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Maxi-Cash Financial Services

Executive Summary

Maxi-Cash Financial Services Corporation Ltd., an investment holding company, engages in the retail and trading of jewelry and branded merchandise in Singapore, Australia, Ireland, and Malaysia. More Details


Snowflake Analysis

Solid track record and good value.

Share Price & News

How has Maxi-Cash Financial Services's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 5UF is not significantly more volatile than the rest of SG stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: 5UF's weekly volatility (6%) has been stable over the past year.


Market Performance


7 Day Return

6.0%

5UF

0.3%

SG Specialty Retail

1.9%

SG Market


1 Year Return

45.1%

5UF

22.2%

SG Specialty Retail

5.8%

SG Market

Return vs Industry: 5UF exceeded the SG Specialty Retail industry which returned 19.2% over the past year.

Return vs Market: 5UF exceeded the SG Market which returned -1.6% over the past year.


Shareholder returns

5UFIndustryMarket
7 Day6.0%0.3%1.9%
30 Day14.2%7.6%3.5%
90 Day37.9%10.9%7.8%
1 Year62.5%45.1%28.2%22.2%11.4%5.8%
3 Year62.6%19.9%19.4%6.9%-6.8%-18.3%
5 Year130.0%43.0%-3.1%-15.5%18.4%-3.3%

Long-Term Price Volatility Vs. Market

How volatile is Maxi-Cash Financial Services's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Maxi-Cash Financial Services undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: 5UF (SGD0.19) is trading below our estimate of fair value (SGD4.88)

Significantly Below Fair Value: 5UF is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: 5UF is good value based on its PE Ratio (6.8x) compared to the SG Specialty Retail industry average (10.1x).

PE vs Market: 5UF is good value based on its PE Ratio (6.8x) compared to the SG market (15.1x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 5UF's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 5UF is overvalued based on its PB Ratio (1.3x) compared to the SG Specialty Retail industry average (1x).


Next Steps

Future Growth

How is Maxi-Cash Financial Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

25.0%

Forecasted Retail industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Maxi-Cash Financial Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Maxi-Cash Financial Services performed over the past 5 years?

23.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 5UF has high quality earnings.

Growing Profit Margin: 5UF's current net profit margins (11.1%) are higher than last year (6.8%).


Past Earnings Growth Analysis

Earnings Trend: 5UF's earnings have grown significantly by 23.2% per year over the past 5 years.

Accelerating Growth: 5UF's earnings growth over the past year (97%) exceeds its 5-year average (23.2% per year).

Earnings vs Industry: 5UF earnings growth over the past year (97%) exceeded the Specialty Retail industry -3%.


Return on Equity

High ROE: 5UF's Return on Equity (19.3%) is considered low.


Next Steps

Financial Health

How is Maxi-Cash Financial Services's financial position?


Financial Position Analysis

Short Term Liabilities: 5UF's short term assets (SGD394.3M) exceed its short term liabilities (SGD227.7M).

Long Term Liabilities: 5UF's short term assets (SGD394.3M) exceed its long term liabilities (SGD136.2M).


Debt to Equity History and Analysis

Debt Level: 5UF's debt to equity ratio (203.7%) is considered high.

Reducing Debt: 5UF's debt to equity ratio has reduced from 280.4% to 203.7% over the past 5 years.

Debt Coverage: 5UF's debt is well covered by operating cash flow (23.4%).

Interest Coverage: 5UF's interest payments on its debt are not well covered by EBIT (2.8x coverage).


Balance Sheet


Next Steps

Dividend

What is Maxi-Cash Financial Services's current dividend yield, its reliability and sustainability?

13.47%

Current Dividend Yield


Upcoming Dividend Payment


Dividend Yield vs Market

Notable Dividend: 5UF's dividend (13.47%) is higher than the bottom 25% of dividend payers in the SG market (1.88%).

High Dividend: 5UF's dividend (13.47%) is in the top 25% of dividend payers in the SG market (4.82%)


Stability and Growth of Payments

Stable Dividend: 5UF has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: 5UF's dividend payments have increased, but the company has only paid a dividend for 9 years.


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (92%), 5UF's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

8.9yrs

Average board tenure


CEO

Leok Cheng Ng (60 yo)

6.17yrs

Tenure

Mr. Ng Leok Cheng has been the Chief Executive Officer and Executive Director of Maxi-Cash Financial Services Corporation Ltd. since January 5, 2015 and April 16, 2012 respectively. Mr. Ng served as the Ch...


Board Members

NamePositionTenureCompensationOwnership
Leok Cheng Ng
CEO & Executive Director6.17yrsno data0.18%
SGD 359.9k
Wee Seng Koh
Non-Executive Chairman12.92yrsno data11.74%
SGD 23.2m
Lee Meng Ko
Non-Executive & Non-Independent Director12.67yrsno data1.84%
SGD 3.6m
Lee Hwee Koh
Non-Executive & Non-Independent Director12.92yrsno data3.44%
SGD 6.8m
Bee Leong Goh
Non-Executive & Independent Director5.42yrsno datano data
Soo Kiang Tan
Non-Executive & Independent Director4.67yrsno datano data
Keh Yan Tan
Lead Independent Director8.92yrsno datano data
Sai Sing Lee
Non-Executive & Independent Director8.92yrsno data0.12%
SGD 229.3k

8.9yrs

Average Tenure

59yo

Average Age

Experienced Board: 5UF's board of directors are considered experienced (8.9 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Maxi-Cash Financial Services Corporation Ltd.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Maxi-Cash Financial Services Corporation Ltd.
  • Ticker: 5UF
  • Exchange: Catalist
  • Founded: 2008
  • Industry: Apparel Retail
  • Sector: Retail
  • Market Cap: S$197.601m
  • Shares outstanding: 1.03b
  • Website: https://www.maxi-cash.com

Location

  • Maxi-Cash Financial Services Corporation Ltd.
  • 55 Ubi Avenue 1
  • No. 07-11, Ubi 55
  • Singapore
  • 408935
  • Singapore

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
5UFCatalist (Singapore Exchange Catalist Market)YesOrdinary SharesSGSGDJun 2012
5MXBST (Boerse-Stuttgart)YesOrdinary SharesDEEURJun 2012

Biography

Maxi-Cash Financial Services Corporation Ltd., an investment holding company, engages in the retail and trading of jewelry and branded merchandise in Singapore, Australia, Ireland, and Malaysia. It operate...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/03/08 11:04
End of Day Share Price2021/03/08 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.