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Maxi-Cash Financial Services Corp. Ltd.
(SGX:5UF)
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Rating:53Neutral
Price Target:
S$0.36
▲(63.64% Upside)
Action:Downgraded
Date:07/01/26
The score is primarily constrained by weak and inconsistent cash flow generation and high leverage despite strong 2025 revenue growth and a profitability rebound. Technicals are mixed but currently soft in the short term, while valuation is moderately supportive due to a mid-range P/E and a solid dividend yield.
Positive Factors
Robust revenue growth
Sustained top-line expansion and recent acceleration evidence stronger market demand and distribution scaling. Durable revenue growth improves capacity to fund investments, supports pricing power in luxury segment, and underpins longer-term margin recovery and strategic initiatives.
Negative Factors
High leverage
Elevated leverage materially reduces financial flexibility and raises refinancing and interest-rate risk. In a downturn or funding squeeze the aggressive capital structure could force cutbacks, constrain strategic investments, and increase default or covenant stress probability.
Read all positive and negative factors
Positive Factors
Negative Factors
Robust revenue growth
Sustained top-line expansion and recent acceleration evidence stronger market demand and distribution scaling. Durable revenue growth improves capacity to fund investments, supports pricing power in luxury segment, and underpins longer-term margin recovery and strategic initiatives.
Read all positive factors
Maxi-Cash Financial Services Corp. Ltd. (5UF) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$669.51M
Dividend Yield5.76%
Average Volume (3M)4.60M
Price to Earnings (P/E)7.8
Beta (1Y)0.34
Revenue Growth41.28%
EPS Growth172.52%
CountrySG
Employees918
SectorConsumer Cyclical
Sector Strength84
IndustryLuxury Goods
Share Statistics
EPS (TTM)0.05
Shares Outstanding1,912,994,100
10 Day Avg. Volume2,660,630
30 Day Avg. Volume4,604,090
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)1.32
Price to Sales (P/S)0.48
P/FCF Ratio-9.19
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Maxi-Cash Financial Services Corp. Ltd. Business Overview & Revenue Model
Company Description
Aspial Lifestyle Limited, an investment holding company established in Singapore in 2008, is engaged in the retail and trade of jewelry and branded merchandise across Singapore and international markets. Its operations span several key divisions, ...
How the Company Makes Money
null...
Maxi-Cash Financial Services Corp. Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
52
Neutral
Cash Flow
27
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 830.08M | 587.56M | 471.58M | 319.01M | 225.70M |
| Gross Profit | 302.12M | 215.17M | 164.48M | 110.22M | 81.82M |
| EBITDA | 172.95M | 114.47M | 83.85M | 57.11M | 42.00M |
| Net Income | 80.72M | 34.33M | 19.19M | 15.98M | 14.45M |
Balance Sheet | |||||
| Total Assets | 1.60B | 1.24B | 920.23M | 826.48M | 581.94M |
| Cash, Cash Equivalents and Short-Term Investments | 86.47M | 42.74M | 32.64M | 30.81M | 19.73M |
| Total Debt | 850.65M | 730.92M | 698.20M | 611.96M | 415.96M |
| Total Liabilities | 1.28B | 988.12M | 749.17M | 666.12M | 431.39M |
| Stockholders Equity | 301.02M | 240.36M | 165.88M | 159.19M | 149.43M |
Cash Flow | |||||
| Free Cash Flow | -43.37M | -59.46M | 10.66M | -22.96M | -47.36M |
| Operating Cash Flow | -7.83M | -46.08M | 16.33M | -17.22M | -22.10M |
| Investing Cash Flow | -31.13M | -809.00K | -5.48M | -22.24M | -23.97M |
| Financing Cash Flow | 81.92M | 56.93M | -9.04M | 50.43M | 42.02M |
Maxi-Cash Financial Services Corp. Ltd. Technical Analysis
Neutral
0.22
Price Trends
0.38
Negative
0.37
Negative
0.29
Positive
Market Momentum
>-0.01
Negative
45.95
Neutral
28.57
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:5UF, the sentiment is Neutral. The current price of 0.22 is below the 20-day moving average (MA) of 0.35, below the 50-day MA of 0.38, and below the 200-day MA of 0.29, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 45.95 is Neutral, neither overbought nor oversold. The STOCH value of 28.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SG:5UF.
Maxi-Cash Financial Services Corp. Ltd. Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | S$1.77B | 9.68 | 17.57% | 2.60% | 15.08% | 32.76% | |
62 Neutral | S$890.13M | 8.38 | 12.85% | 3.92% | 21.25% | 15.90% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
53 Neutral | S$669.51M | 7.83 | 22.53% | 5.76% | 41.28% | 172.52% | |
49 Neutral | S$328.29M | 14.29 | 3.74% | ― | 29.11% | 288.00% |
* Consumer Cyclical Sector Average
SG:5UF
Maxi-Cash Financial Services Corp. Ltd.
0.34
0.22
180.99%
SG:5WJ
MoneyMax Financial Services Ltd.
0.74
0.44
148.31%
SG:A30
Aspial Corporation Limited
0.14
0.07
97.18%
SG:AGS
Hour Glass Ltd.
2.71
0.77
39.69%
SG:C41
Cortina Holdings Limited
3.65
0.06
1.67%
SG:T6I
ValueMax Group Ltd.
0.94
0.30
47.48%
Maxi-Cash Financial Services Corp. Ltd. Corporate Events
Aspial Lifestyle Lists 61.7 Million New Shares from Preferential Offering
Jun 16, 2026
Aspial Lifestyle Limited has issued 61,709,489 new shares under its preferential offering at S$0.402 per share, increasing its total units in issue to 2,062,248,181. The new units are scheduled to begin trading on the Main Board of the Singapore E...
Aspial Lifestyle launches preferential share offering backed by controlling shareholders
May 28, 2026
Aspial Lifestyle Limited has opened a non-renounceable preferential offering as part of an equity fund-raising exercise targeting gross proceeds of about S$84.8 million, with the offer period running from 28 May to 8 June 2026 for eligible shareho...
Aspial Lifestyle Fully Allocates S$35.4 Million Rights Issue to Debt Repayment and Core Business Growth
May 4, 2026
Aspial Lifestyle Limited has fully deployed the S$35.4 million in net proceeds from its recent renounceable non-underwritten rights issue, applying S$11 million to repay group bank borrowings and the remaining S$24.4 million to general working cap...
Aspial Lifestyle Adds S$28 Million to 5.10% 2029 Notes, Insiders Hold Over a Quarter of Issue
Apr 29, 2026
Aspial Lifestyle Limited has issued a new S$28 million tranche of 5.10% notes due 2029 under its S$300 million multicurrency medium term note programme, to be consolidated with S$75 million and S$25 million tranches previously issued, creating a l...
Aspial Lifestyle prices S$28m 5.10% notes to expand 2029 Series
Apr 21, 2026
Aspial Lifestyle Limited has priced a new S$28 million tranche of 5.10% notes due 2029 under its S$300 million multicurrency medium-term note programme, to be consolidated with two existing tranches for a total of S$128 million in Series 005 notes...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.