Maxi-Cash Financial Services
Market Cap
S$197.6m
Last Updated
2021/03/08 11:04 UTC
Data Sources
Company Financials
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
Rewards
Risk Analysis
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
| 5UF | Industry | Market | |
|---|---|---|---|
| 7 Day | 6.0% | 0.3% | 1.9% |
| 30 Day | 14.2% | 7.6% | 3.5% |
| 90 Day | 37.9% | 10.9% | 7.8% |
| 1 Year | 62.5%45.1% | 28.2%22.2% | 11.4%5.8% |
| 3 Year | 62.6%19.9% | 19.4%6.9% | -6.8%-18.3% |
| 5 Year | 130.0%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
- Examine whether Maxi-Cash Financial Services is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Explore growth companies in the Retail industry.
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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Executive Director | 6.17yrs | no data | 0.18% SGD 359.9k | |
| Non-Executive Chairman | 12.92yrs | no data | 11.74% SGD 23.2m | |
| Non-Executive & Non-Independent Director | 12.67yrs | no data | 1.84% SGD 3.6m | |
| Non-Executive & Non-Independent Director | 12.92yrs | no data | 3.44% SGD 6.8m | |
| Non-Executive & Independent Director | 5.42yrs | no data | no data | |
| Non-Executive & Independent Director | 4.67yrs | no data | no data | |
| Lead Independent Director | 8.92yrs | no data | no data | |
| Non-Executive & Independent Director | 8.92yrs | no data | 0.12% 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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| 5UF | Catalist (Singapore Exchange Catalist Market) | Yes | Ordinary Shares | SG | SGD | Jun 2012 |
| 5MX | BST (Boerse-Stuttgart) | Yes | Ordinary Shares | DE | EUR | Jun 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/03/08 11:04 |
| End of Day Share Price | 2021/03/08 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.