MONEYMAX FINANCIAL SERVICESLTD (5WJ) Fair Value & Analysis
Consumer Cyclical · SG · Market cap 717M SGD
Fair value as of: Aug 13, 2026
From 15 valuation models · updated 4 days ago
Share price +12.2% over the past month.
Below-average quality, screening 26% undervalued on our models.
What matters now
- A fairly wide model range (0.7800 SGD to 1.95 SGD) leaves room in how you read the outcome.
- Our model range runs from 0.7800 SGD (bear) to 1.95 SGD (bull), base 1.04 SGD. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 37/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 0.0786 SGD – 1.17 SGD · fair‑value band 0.7800 SGD – 1.95 SGD · the 0.8250 SGD price screens below the 1.04 SGD fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
MONEYMAX FINANCIAL SERVICESLTD (5WJ) currently trades at 0.8250 SGD, while our model-based Fair Value estimate is 1.04 SGD, implying the stock looks roughly 26.1% undervalued today. The Quality Score stands at 37/100 (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 SERVICESLTD 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 Aug 13, 2026
Our scenario range runs from 0.7800 SGD (bear case) to 1.95 SGD (bull case); at 0.8250 SGD, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 31% below its 52-week high and 212% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -20% fair-value upside, at 26%, 5WJ screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 15 models by family
Widest divergence: Growth Earnings (2.27 SGD) versus Asset-Based (0.1800 SGD). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 32 · Market factors (momentum, volatility) 57
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Peer Group
Specialty Retail · 223 stocks
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.
Valuation Multiples vs Specialty Retail median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Specialty Retail stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Alimentation Couche-Tard Inc ATD | C$93.19 | C$75.00 | -20% |
| Casey's General Stores, Inc CASY | $839.03 | $398.90 | -52% |
| Williams-Sonoma, Inc WSM | $245.15 | $162.63 | -34% |
| Ulta Beauty, Inc ULTA | $531.89 | $475.40 | -11% |
| DICK'S Sporting Goods, Inc DKS | $202.66 | $181.10 | -11% |
| Best Buy Co BBY | $83.00 | $108.04 | +30% |
| China Tourism Group 601888 | ¥54.97 | ¥40.40 | -27% |
| Tractor Supply Company TSCO | $36.43 | $35.52 | -2% |
| Murphy USA Inc MUSA | $544.22 | $423.35 | -22% |
| Taiwan Mobile Co 3045 | 109.50 TWD | 80.98 TWD | -26% |
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Frequently asked questions
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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.
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