MONEYMAX FINANCIAL SERVICESLTD (5WJ) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of MONEYMAX FINANCIAL SERVICESLTD S$0.95, price S$0.55, upside +71.8%, quality 39 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 1, 2026.
How to read this chart
60‑month range 0.0587 SGD – 5.98 SGD · fair‑value band 0.4125 SGD – 1.23 SGD · the 0.5500 SGD price screens below the 0.9450 SGD fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.
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MoneyMax Financial Services Ltd., an investment holding company, operates as a financial service provider, retailer, and trader of luxury products in Singapore and Malaysia. The company operates in four segments: Pawnbroking; Retail and Trading of Gold and Luxury Items; Secured Lending; and Others.
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MoneyMax Financial Services Ltd., an investment holding company, operates as a financial service provider, retailer, and trader of luxury products in Singapore and Malaysia. The company operates in four segments: Pawnbroking; Retail and Trading of Gold and Luxury Items; Secured Lending; and Others. It offers pawnbroking; retail and trading of gold jewellery, timepieces, and bags; automotive financing; property financing; and motor, travel, home, and fire insurance services. The company also engages in property owning, money lending, finance leasing, and insurance agency activities. In addition, it operates MoneyMax Online, an online platform to shop, sell, and appraise valuables; an online auction platform; and retail outlets. The company was incorporated in 2008 and is headquartered in Singapore. MoneyMax Financial Services Ltd. operates as a subsidiary of Money Farm Pte Ltd.
Stock analysis
MONEYMAX FINANCIAL SERVICESLTD (5WJ) currently trades at 0.5500 SGD, while our model-based Fair Value estimate is 0.9450 SGD, implying the stock looks roughly 41.8% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 2.21 SGD per share, and 11 of the 15 models we run sit above the 0.5500 SGD price.
Bear case: the Asset-Based group reads lowest at 0.1300 SGD, and 4 of the 15 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.4125 SGD (bear) to 1.23 SGD (bull), the price of 0.5500 SGD sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 39/100 (below-average quality), in the Consumer Cyclical sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
MONEYMAX FINANCIAL SERVICESLTD reported revenue of 542M SGD in FY2025 versus 199M SGD in FY2021, a compound +28.4%/yr. Reported net income was 71.7M SGD in FY2025, compounding +37.9%/yr from FY2021.
Key figures
Market cap 713M SGD (≈ $558M) · P/E ratio 6.9 · P/S ratio 0.91 · EPS (TTM) 0.0800 SGD · Dividend yield 2.4% · Net margin 13.2% · Return on equity 33.7% · Return on assets (EBIT) 8.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 37% below its 52-week high and 93% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 5% fair-value upside, at 72%, 5WJ screens cheaper than that median.
Fair Value models
Bear 0.4125 SGDFair Value 0.9450 SGDBull 1.23 SGD
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.0507 SGD per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+38.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.4%
Start year 2020 (pandemic). Over 10 years: +19.1% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.2%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+1.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.2%
Dividend (yield on the price)2.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.12.6% vs 16.4%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 24%
2025 sits 88% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare MONEYMAX FINANCIAL SERVICESLTD with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Specialty Retail · 201 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score39 · Bottom 25%
Fair Value upside+71.8% · Top 25%
Profitability
Return on equity (TTM)33.7% · Top 25%
Return on assets8.3% · Top 25%
Net margin (TTM)15.1% · Top 25%
Operating margin (TTM)27.8% · Top 25%
Growth and dividend
Revenue growth34.1% · Top 25%
Dividend yield (TTM)2.4% · Below median
Balance sheet
Debt / equity0.87× · Highest 25%
Valuation Multiplesvs Specialty Retail median · lower = cheaper
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Is MONEYMAX FINANCIAL SERVICESLTD (5WJ) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of 0.9450 SGD versus a price of 0.5500 SGD, about +72% upside (undervalued).
What is the fair value of 5WJ?
Our model-based fair value for MONEYMAX FINANCIAL SERVICESLTD is 0.9450 SGD (as of Oct 1, 2026), built from audited fundamentals. The current price: 0.5500 SGD.
What is the quality score of 5WJ?
MONEYMAX FINANCIAL SERVICESLTD has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
Our model-based price target is the fair value of 0.9450 SGD (as of Oct 1, 2026) from 15 valuation models. Cautious scenario 0.4125 SGD, optimistic scenario 1.23 SGD. It is a calculation from audited fundamentals, not an analyst target.
What is the MONEYMAX FINANCIAL SERVICESLTD stock forecast for 2026?
Our models put fair value at 0.9450 SGD, about +72% upside versus a price of 0.5500 SGD (undervalued). Cautious scenario 0.4125 SGD, optimistic scenario 1.23 SGD. The calculation is refreshed regularly with new filings.
What is the revenue of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
MONEYMAX FINANCIAL SERVICESLTD reported trailing-twelve-month revenue of about 625M SGD (latest available figure, as of Oct 1, 2026).
Does MONEYMAX FINANCIAL SERVICESLTD pay a dividend?
MONEYMAX FINANCIAL SERVICESLTD currently shows a dividend yield of about 2.36% relative to its recent price (as of Oct 1, 2026).
What is the intrinsic value of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For MONEYMAX FINANCIAL SERVICESLTD it is 0.9450 SGD per share (as of Oct 1, 2026), against a price of 0.5500 SGD. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is MONEYMAX FINANCIAL SERVICESLTD stock overvalued or undervalued in 2026?
As of Oct 1, 2026, 5WJ trades below its calculated fair value: price 0.5500 SGD, fair value 0.9450 SGD, a gap of about +72% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 5WJ?
No. The price is what the market pays today (0.5500 SGD); the fair value is what the company's own numbers justify (0.9450 SGD). For MONEYMAX FINANCIAL SERVICESLTD the two are 0.3950 SGD per share apart. That gap is exactly why we show both numbers side by side.
How much is MONEYMAX FINANCIAL SERVICESLTD worth?
The market values MONEYMAX FINANCIAL SERVICESLTD at about 713M SGD (market capitalisation, as of Oct 1, 2026). Per share that is 0.5500 SGD; our models calculate a fair value of 0.9450 SGD per share.
What do the bullish and bearish scenarios say about 5WJ?
Our models span a range for MONEYMAX FINANCIAL SERVICESLTD: cautious scenario 0.4125 SGD, base 0.9450 SGD, optimistic 1.23 SGD per share (as of Oct 1, 2026, price 0.5500 SGD). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5WJ?
MONEYMAX FINANCIAL SERVICESLTD trades at a price-to-earnings ratio of 6.9 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.9450 SGD is built from several models across several years. Other multiples: P/B 2.8, P/S 1.1, EV/EBITDA 5.4.
How solid is the balance sheet of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
Balance-sheet figures for MONEYMAX FINANCIAL SERVICESLTD (as of Oct 1, 2026): return on equity 33.7%, debt of 0.87 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is 5WJ from its 52-week high?
MONEYMAX FINANCIAL SERVICESLTD trades at 0.5500 SGD, about 37% below its 52-week high of 0.8747 SGD and 93% above the low of 0.2854 SGD (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of 0.9450 SGD is for.
Which stocks are comparable to MONEYMAX FINANCIAL SERVICESLTD?
From the same area (Consumer Cyclical) we also value Alimentation Couche-Tard Inc, Williams-Sonoma, Inc, Ulta Beauty, Inc, Casey's General Stores, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is MONEYMAX FINANCIAL SERVICESLTD stock attractive at the current price?
The data as of Oct 1, 2026: price 0.5500 SGD, calculated fair value 0.9450 SGD (+72%), Quality Score 39/100, from 15 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 5WJ calculated?
We run MONEYMAX FINANCIAL SERVICESLTD through 15 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 0.9450 SGD, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1 % above its aggregate fair value. MONEYMAX FINANCIAL SERVICESLTD currently trades 42 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
The closing price on Oct 2, 2026 was 0.5500 SGD. Our model-based fair value is 0.9450 SGD, about +72% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with MONEYMAX FINANCIAL SERVICESLTD right now?
The large discount to fair value meets weak quality (39/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (0.4125 SGD to 1.23 SGD). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of MONEYMAX FINANCIAL SERVICESLTD
How large is the market capitalisation of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
The market capitalisation of MONEYMAX FINANCIAL SERVICESLTD is 713M SGD (≈ $558M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
The price-to-sales ratio of MONEYMAX FINANCIAL SERVICESLTD is 0.91 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
Earnings per share at MONEYMAX FINANCIAL SERVICESLTD are 0.0800 SGD (price ÷ EPS = P/E 6.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
The dividend yield of MONEYMAX FINANCIAL SERVICESLTD is 2.4% (payout 16.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
The net margin of MONEYMAX FINANCIAL SERVICESLTD is 13.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
The return on equity (ROE) of MONEYMAX FINANCIAL SERVICESLTD is 33.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
On an EBIT basis the return on assets of MONEYMAX FINANCIAL SERVICESLTD is 8.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
The operating margin of MONEYMAX FINANCIAL SERVICESLTD is 27.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
Revenue at MONEYMAX FINANCIAL SERVICESLTD is growing +34.1% versus a year earlier (3y avg +28.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at MONEYMAX FINANCIAL SERVICESLTD (5WJ)?
Earnings per share at MONEYMAX FINANCIAL SERVICESLTD are growing +73.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does MONEYMAX FINANCIAL SERVICESLTD (5WJ) generate?
The free cash flow of MONEYMAX FINANCIAL SERVICESLTD is −180M SGD (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does MONEYMAX FINANCIAL SERVICESLTD (5WJ) carry?
The net debt of MONEYMAX FINANCIAL SERVICESLTD is 841M SGD (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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