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ValueMax Group (T6I) Fair Value & Analysis

Consumer Cyclical · SG · Market cap 881M SGD

VG ValueMax Group T6I · SG
Price0.9300 SGD
Fair Value1.31 SGD
Upside+40.9%
Quality44/100
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Evidence: High Range 0.7600 SGD – 2.33 SGD

Fair value as of: Jul 4, 2026

From 15 valuation models · updated yesterday

Share price −3.1% over the past month.

Price vs Fair Value (12 months)

1.31 SGD 0.5868 SGD Fair Value 1.31 SGD Jul 2025 Jul 2026

12‑month range 0.5868 SGD – 1.31 SGD · fair‑value band 0.7600 SGD – 2.33 SGD · the 0.9300 SGD price screens below the 1.31 SGD fair value. As of Jul 4, 2026.

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Analysis

ValueMax Group (T6I) currently trades at 0.9300 SGD, while our model-based Fair Value estimate is 1.31 SGD — implying the stock looks roughly 40.9% undervalued today. We read business quality at 44/100 (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, ValueMax Group generated revenue of 553M SGD at a net margin of 18.5%. Revenue grew 25.8% year over year. It earns a return on equity of 18.3%. Net debt stands at 867M SGD. Fundamentals as of Jul 4, 2026

Key figures & financial health

Revenue (TTM) 553M SGD
Revenue growth (YoY) +25.8%
Net margin 18.5%
Return on equity 18.3%
Free cash flow −171M SGD FY2025
P/E ratio 8.5
More key figures
Operating margin 21.5%
EPS (TTM) 0.1100 SGD
Dividend yield 4.5%
EPS growth (YoY) +13.9%
Net debt 867M SGD FY2025

Figures from reported company fundamentals (EODHD) · as of Jul 4, 2026. TTM = trailing twelve months.

About the company

ValueMax Group Limited, an investment holding company, engages in the pawnbroking, moneylending, jewelry and watches retailing, and gold trading businesses primarily in Singapore. It operates through four segments: Pawnbroking, Retail and Trading of Jewelry and Gold, Moneylending, and Other Operations. It offers pawn broking services through pledging jewelry in yellow or white gold, diamond jewelry, and branded timepieces, as well as gold, platinum, or silver bars and coins. The company also provides secured and unsecured term loans for businessmen and corporates; and hire purchase and floor stock financing services for automotive industry. In addition, it sells new and pre-owned jewelry, such as gold and diamond jewelry, gold bars and coins, branded watches, and Hermès bags through its outlets; purchases scrap gold from other pawnbrokers and jewelry traders; and sells fine gold bars to jewelry factories, wholesalers, and retailers. The company operates pawn and retail outlets in …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

ValueMax Group reported revenue of 553M SGD in FY2025 versus 276M SGD in FY2021, a compound +19.0%/yr. Reported net income was 102M SGD in FY2025, compounding +25.2%/yr from FY2021.

Revenue +19.0%/yr
FY21 276M SGD
FY22 287M SGD
FY23 331M SGD
FY24 456M SGD
FY25 553M SGD
Net income +25.2%/yr
FY21 41.5M SGD
FY22 44.4M SGD
FY23 52.9M SGD
FY24 82.8M SGD
FY25 102M SGD

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Frequently asked questions

Is ValueMax Group (T6I) undervalued?
As of Jul 4, 2026, our model estimates a fair value of 1.31 SGD versus a price of 0.9300 SGD — about +41% (undervalued). Model-based estimate, not financial advice.
What is the fair value of T6I?
Our model-based fair value for ValueMax Group is 1.31 SGD (as of Jul 4, 2026), built from audited fundamentals. The current price is 0.9300 SGD.
What is the quality score of T6I?
ValueMax Group has a Quality Score of 44/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of ValueMax Group (T6I)?
ValueMax Group reported trailing-twelve-month revenue of about 553M SGD (latest available figure, as of Jul 4, 2026).
What is the net profit margin of T6I?
The net profit margin of ValueMax Group is about 18.5%, meaning it keeps roughly 18.5% of revenue as net income. Based on the latest reported figures.
Does ValueMax Group pay a dividend?
ValueMax Group currently shows a dividend yield of about 4.48% relative to its recent price (as of Jul 4, 2026).

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.