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5WJ

MoneyMax Financial Services Catalist:5WJ Stock Report

Last Price

S$0.19

Market Cap

S$84.5m

7D

-4.5%

1Y

-9.0%

Updated

04 Oct, 2022

Data

Company Financials
5WJ fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health3/6
Dividends2/6

5WJ Stock Overview

MoneyMax Financial Services Ltd., an investment holding company, primarily operates as a retailer and trader of luxury products in Southeast Asia.

MoneyMax Financial Services Competitors

Price History & Performance

Summary of all time highs, changes and price drops for MoneyMax Financial Services
Historical stock prices
Current Share PriceS$0.19
52 Week HighS$0.23
52 Week LowS$0.17
Beta0.39
1 Month Change-6.83%
3 Month Change-4.50%
1 Year Change-9.05%
3 Year Change76.85%
5 Year Change34.13%
Change since IPO-44.48%

Recent News & Updates

Shareholder Returns

5WJSG Specialty RetailSG Market
7D-4.5%-5.4%-2.9%
1Y-9.0%14.0%-3.6%

Return vs Industry: 5WJ underperformed the SG Specialty Retail industry which returned 14% over the past year.

Return vs Market: 5WJ underperformed the SG Market which returned -3.6% over the past year.

Price Volatility

Is 5WJ's price volatile compared to industry and market?
5WJ volatility
5WJ Average Weekly Movementn/a
Specialty Retail Industry Average Movement4.7%
Market Average Movement4.4%
10% most volatile stocks in SG Market12.3%
10% least volatile stocks in SG Market2.3%

Stable Share Price: Insufficient data to determine 5WJ's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine 5WJ's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
2008n/aPeter Limhttps://www.moneymax.com.sg

MoneyMax Financial Services Ltd., an investment holding company, primarily operates as a retailer and trader of luxury products in Southeast Asia. The company operates through three segments: Pawnbroking; Retail and Trading of Gold and Luxury Items; and Secured Lending. It offers various gold jewellery, luxury timepieces, and bags.

MoneyMax Financial Services Fundamentals Summary

How do MoneyMax Financial Services's earnings and revenue compare to its market cap?
5WJ fundamental statistics
Market CapS$84.47m
Earnings (TTM)S$24.17m
Revenue (TTM)S$241.92m

3.5x

P/E Ratio

0.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
5WJ income statement (TTM)
RevenueS$241.92m
Cost of RevenueS$159.89m
Gross ProfitS$82.03m
Other ExpensesS$57.87m
EarningsS$24.17m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.055
Gross Margin33.91%
Net Profit Margin9.99%
Debt/Equity Ratio270.8%

How did 5WJ perform over the long term?

See historical performance and comparison

Dividends

5.0%

Current Dividend Yield

17%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is 5WJ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 5WJ?

Other financial metrics that can be useful for relative valuation.

5WJ key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue1.9x
Enterprise Value/EBITDA10.3x
PEG Ration/a

Price to Earnings Ratio vs Peers

How does 5WJ's PE Ratio compare to its peers?

5WJ PE Ratio vs Peers
The above table shows the PE ratio for 5WJ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average12.9x
5UF Maxi-Cash Financial Services
14.2xn/aS$219.2m
528 Second Chance Properties
22.1xn/aS$208.4m
42L Taka Jewellery Holdings
6.1xn/aS$35.8m
F10 F J Benjamin Holdings
9.6xn/aS$27.3m
5WJ MoneyMax Financial Services
3.5xn/aS$84.5m

Price-To-Earnings vs Peers: 5WJ is good value based on its Price-To-Earnings Ratio (3.5x) compared to the peer average (12.9x).


Price to Earnings Ratio vs Industry

How does 5WJ's PE Ratio compare vs other companies in the Asian Specialty Retail Industry?

Price-To-Earnings vs Industry: 5WJ is good value based on its Price-To-Earnings Ratio (3.5x) compared to the Asian Specialty Retail industry average (13.7x)


Price to Earnings Ratio vs Fair Ratio

What is 5WJ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

5WJ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio3.5x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 5WJ's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of 5WJ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 5WJ (SGD0.19) is trading above our estimate of fair value (SGD0.18)

Significantly Below Fair Value: 5WJ is trading above our estimate of fair value.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


16.8%

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 MoneyMax 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.


Discover growth companies

  • Take a look at our analysis of 5WJ’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.

Past Performance

How has MoneyMax Financial Services performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


33.7%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: 5WJ has high quality earnings.

Growing Profit Margin: 5WJ's current net profit margins (10%) are lower than last year (10.4%).


Past Earnings Growth Analysis

Earnings Trend: 5WJ's earnings have grown significantly by 33.7% per year over the past 5 years.

Accelerating Growth: 5WJ's earnings growth over the past year (4.8%) is below its 5-year average (33.7% per year).

Earnings vs Industry: 5WJ earnings growth over the past year (4.8%) underperformed the Specialty Retail industry 42.6%.


Return on Equity

High ROE: 5WJ's Return on Equity (19.6%) is considered low.


Discover strong past performing companies

Financial Health

How is MoneyMax Financial Services's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: 5WJ's short term assets (SGD380.4M) exceed its short term liabilities (SGD293.6M).

Long Term Liabilities: 5WJ's short term assets (SGD380.4M) exceed its long term liabilities (SGD131.8M).


Debt to Equity History and Analysis

Debt Level: 5WJ's net debt to equity ratio (257.9%) is considered high.

Reducing Debt: 5WJ's debt to equity ratio has increased from 238.8% to 270.8% over the past 5 years.

Debt Coverage: 5WJ's operating cash flow is negative, therefore debt is not well covered.

Interest Coverage: 5WJ's interest payments on its debt are well covered by EBIT (3.7x coverage).


Balance Sheet


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Dividend

What is MoneyMax Financial Services's current dividend yield, its reliability and sustainability?

Dividend Score

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage


4.97%

Current Dividend Yield

Dividend Yield vs Market

MoneyMax Financial Services Dividend Yield vs Market
How does MoneyMax Financial Services dividend yield compare to the market?
SegmentDividend Yield
Company (MoneyMax Financial Services)5.0%
Market Bottom 25% (SG)2.5%
Market Top 25% (SG)6.6%
Industry Average (Specialty Retail)3.8%
Analyst forecast in 3 Years (MoneyMax Financial Services)n/a

Notable Dividend: 5WJ's dividend (4.97%) is higher than the bottom 25% of dividend payers in the SG market (2.49%).

High Dividend: 5WJ's dividend (4.97%) is low compared to the top 25% of dividend payers in the SG market (6.57%).


Stability and Growth of Payments

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

Growing Dividend: 5WJ's dividend payments have increased, but the company has only paid a dividend for 8 years.


Earnings Payout to Shareholders

Earnings Coverage: With its low payout ratio (17.4%), 5WJ's dividend payments are well covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: 5WJ is paying a dividend but the company has no free cash flows.


Discover strong dividend paying companies

Management

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

4.0yrs

Average management tenure


CEO

Peter Lim (62 yo)

14yrs

Tenure

Dr. Yong Guan Lim, also known as Peter, is a Co-Founder of MoneyMax Financial Services Ltd. and has been its the Chief Executive Officer and Executive Chairman since October 9, 2008. Dr. Lim is responsible...


Leadership Team

Experienced Management: 5WJ's management team is considered experienced (4 years average tenure).


Board Members

Experienced Board: 5WJ's board of directors are considered experienced (9.3 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

Catalist:5WJ Recent Insider Transactions by Companies or Individuals
DateValueNameEntityRoleSharesMax Price
20 Jun 22BuyS$5,980Money Farm Pte LtdCompany29,900S$0.20
17 Jun 22BuyS$35,380Money Farm Pte LtdCompany176,900S$0.20
14 Jun 22BuyS$4,000Money Farm Pte LtdCompany20,000S$0.20
13 Jun 22SellS$2,260Money Farm Pte LtdCompany11,300S$0.20
06 Jun 22BuyS$1,480Money Farm Pte LtdCompany7,400S$0.20

Ownership Breakdown

What is the ownership structure of 5WJ?
Owner TypeNumber of SharesOwnership Percentage
General Public43,702,4349.9%
Individual Insiders128,700,73029.1%
Private Companies269,846,83561.0%

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


Top Shareholders

Top 19 shareholders own 90.12% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
61.02%
Money Farm Pte Ltd
269,846,835SGD51.5m0.15%no data
13.01%
Yong Guan Lim
57,545,835SGD11.0m0%no data
10.82%
Yong Sheng Lim
47,850,000SGD9.1m0%no data
1.23%
Liang Eng Lim
5,437,500SGD1.0m0%no data
0.9%
Yang Hong Tan
3,958,335SGD756.0k0%no data
0.47%
Liang Soh Lim
2,083,335SGD397.9k0%no data
0.44%
Liang Cheng Lim
1,964,250SGD375.2k0%no data
0.31%
Boon Kher Poh
1,362,100SGD260.2k0%no data
0.31%
Tuan Tat Lew
1,361,375SGD260.0k0%no data
0.29%
Sip Chon Kok
1,276,250SGD243.8k0%no data
0.29%
Yong Jin Tan
1,276,250SGD243.8k0%no data
0.25%
Mee Ing Lee
1,091,500SGD208.5k0%no data
0.21%
Ong Tiam Toh
933,375SGD178.3k0%no data
0.2%
Wee Kwang Chua
883,125SGD168.7k0%no data
0.18%
Siew Hwa Ng
800,125SGD152.8k0%no data
0.18%
Pei Koon Tuah
783,625SGD149.7k0%no data
0.0071%
Cher Yan Ng
31,250SGD6.0k0%no data
0.0071%
Kian Kheng Khua
31,250SGD6.0k0%no data
0.0071%
Say Tun Foo
31,250SGD6.0k0%no data

Company Information

MoneyMax Financial Services Ltd.'s employee growth, exchange listings and data sources


Key Information

  • Name: MoneyMax Financial Services Ltd.
  • Ticker: 5WJ
  • Exchange: Catalist
  • Founded: 2008
  • Industry: Apparel Retail
  • Sector: Retail
  • Implied Market Cap: S$84.470m
  • Shares outstanding: 442.25m
  • Website: https://www.moneymax.com.sg

Location

  • MoneyMax Financial Services Ltd.
  • 7 Changi Business Park Vista
  • No. 01-01 SOOKEE HQ
  • Singapore
  • 486042
  • Singapore


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
5WJCatalist (Singapore Exchange Catalist Market)YesOrdinary SharesSGSGDAug 2013

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/10/04 00:00
End of Day Share Price2022/10/04 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


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.