MoneyMax Financial Services Ltd (5WJ) Fair Value & Analysis
Consumer Cyclical · SG · Market cap 717M SGD
Fair value as of: Jul 4, 2026
From 15 valuation models · updated today
Share price −17.6% over the past month.
Price vs Fair Value (12 months)
12‑month range 0.2740 SGD – 1.17 SGD · fair‑value band 0.7900 SGD – 1.95 SGD · the 0.7500 SGD price screens below the 1.06 SGD fair value. As of Jul 4, 2026.
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MoneyMax Financial Services Ltd (5WJ) currently trades at 0.7500 SGD, while our model-based Fair Value estimate is 1.06 SGD — implying the stock looks roughly 41.3% undervalued today. We read business quality at 46/100 (below-average quality), in the Consumer Cyclical sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, MoneyMax Financial Services Ltd generated revenue of 542M SGD at a net margin of 13.2%. Revenue grew 46.1% year over year. It earns a return on equity of 32.3%. Net debt stands at 841M SGD. Fundamentals as of Jul 4, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
MoneyMax Financial Services Ltd 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.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.