Luminor Financial Holdings Limited (SGX:5UA)

SGXC:5UA Statistics

Total Valuation

SGXC:5UA has a market cap or net worth of SGD 10.88 million. The enterprise value is 45.97 million.

Market Cap	10.88M
Enterprise Value	45.97M

Important Dates

The next estimated earnings date is Wednesday, November 19, 2025.

Earnings Date	Nov 19, 2025
Ex-Dividend Date	n/a

Share Statistics

SGXC:5UA has 167.44 million shares outstanding. The number of shares has decreased by -0.00% in one year.

Current Share Class	167.44M
Shares Outstanding	167.44M
Shares Change (YoY)	-0.00%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	48.28%
Owned by Institutions (%)	n/a
Float	72.46M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	0.81
PB Ratio	0.73
P/TBV Ratio	0.91
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 26.86, with an EV/FCF ratio of -7.53.

EV / Earnings	-10.13
EV / Sales	3.43
EV / EBITDA	26.86
EV / EBIT	36.84
EV / FCF	-7.53

Financial Position

The company has a current ratio of 1.19, with a Debt / Equity ratio of 3.83.

Current Ratio	1.19
Quick Ratio	1.13
Debt / Equity	3.83
Debt / EBITDA	33.33
Debt / FCF	-9.35
Interest Coverage	0.23

Financial Efficiency

Return on equity (ROE) is -25.95% and return on invested capital (ROIC) is 1.09%.

Return on Equity (ROE)	-25.95%
Return on Assets (ROA)	0.93%
Return on Invested Capital (ROIC)	1.09%
Return on Capital Employed (ROCE)	7.33%
Revenue Per Employee	154,149
Profits Per Employee	-52,177
Employee Count	68
Asset Turnover	0.16
Inventory Turnover	0.02

Taxes

In the past 12 months, SGXC:5UA has paid 2.04 million in taxes.

Income Tax	2.04M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +1.56% in the last 52 weeks. The beta is -0.23, so SGXC:5UA's price volatility has been lower than the market average.

Beta (5Y)	-0.23
52-Week Price Change	+1.56%
50-Day Moving Average	0.05
200-Day Moving Average	0.07
Relative Strength Index (RSI)	59.61
Average Volume (20 Days)	22,875

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, SGXC:5UA had revenue of SGD 13.41 million and -4.54 million in losses. Loss per share was -0.03.

Revenue	13.41M
Gross Profit	13.31M
Operating Income	1.25M
Pretax Income	-2.64M
Net Income	-4.54M
EBITDA	1.41M
EBIT	1.25M
Loss Per Share	-0.03

Balance Sheet

The company has 22.49 million in cash and 57.06 million in debt, giving a net cash position of -34.56 million or -0.21 per share.

Cash & Cash Equivalents	22.49M
Total Debt	57.06M
Net Cash	-34.56M
Net Cash Per Share	-0.21
Equity (Book Value)	14.91M
Book Value Per Share	0.09
Working Capital	12.82M

Cash Flow

In the last 12 months, operating cash flow was -6.01 million and capital expenditures -90,081, giving a free cash flow of -6.10 million.

Operating Cash Flow	-6.01M
Capital Expenditures	-90,081
Free Cash Flow	-6.10M
FCF Per Share	-0.04

Margins

Gross margin is 99.25%, with operating and profit margins of 9.30% and -33.85%.

Gross Margin	99.25%
Operating Margin	9.30%
Pretax Margin	-19.69%
Profit Margin	-33.85%
EBITDA Margin	10.54%
EBIT Margin	9.30%
FCF Margin	n/a

Dividends & Yields

SGXC:5UA does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	0.00%
Shareholder Yield	n/a
Earnings Yield	-41.71%
FCF Yield	-56.09%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

SGXC:5UA has an Altman Z-Score of 0.57 and a Piotroski F-Score of 3. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.57
Piotroski F-Score	3