Maxi-Cash Financial Services Corp. Ltd. (5UF) AI Stock Analysis

• Market Cap: S$417.64M
• Dividend Yield: 5.76%
• Average Volume (3M): 4.60M
• Price to Earnings (P/E): 8.6
• Beta (1Y): 0.43
• Revenue Growth: 42.42%
• EPS Growth: 53.37%
• Country: SG
• Employees: N/A
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Luxury Goods
• EPS (TTM): 0.01
• Shares Outstanding: 1,856,305,200
• 10 Day Avg. Volume: 2,660,630
• 30 Day Avg. Volume: 4,604,090
• PEG Ratio: 0.08
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 0.31
• P/FCF Ratio: -3.04
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: S$0.22 ▲(0.91% Upside)

Maxi-Cash Financial Services Corp. Ltd. demonstrates strong financial performance with revenue growth and profitability improvements, although cash flow challenges pose a risk. The technical analysis shows a positive trend, supported by favorable valuation metrics, indicating potential undervaluation and income opportunities. The absence of earnings call and corporate events data does not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a positive trajectory and expanding market reach, enhancing long-term business sustainability.

Profitability Improvements

Improved profitability margins suggest effective cost management and pricing strategies, supporting long-term financial health.

Leverage Management

Better leverage management reduces financial risk and enhances the company's ability to invest in growth opportunities.

Negative Factors

Cash Flow Challenges

Persistent cash flow challenges can strain liquidity, impacting the company's ability to fund operations and growth sustainably.

Operational Efficiency Pressure

Decreasing EBITDA margin suggests pressure on operational efficiency, which could affect profitability if not addressed.

Low Equity Ratio

A low equity ratio could limit financial flexibility and increase vulnerability to economic downturns or interest rate hikes.

Maxi-Cash Financial Services Corp. Ltd. Business Overview & Revenue Model

Company Description

Aspial Lifestyle Limited, an investment holding company, retails and trades in jewelry and branded merchandise in Singapore and internationally. It operates through Pawnbroking; Secured Lending; and Retail and Trading of Jewellery and Branded Merchandise, and Others segments. It also involved in the pawnbroking and secured lending activities; property rental; and provision of financial, real estate, and other support and management services. The company markets its products under the Maxi-Cash, Lee Hwa Jewellery, and Goldheart brand names. Aspial Lifestyle Limited was incorporated in 2008 and is based in Singapore. Aspial Lifestyle Limited is a subsidiary of Aspial Corporation Limited.

How the Company Makes Money

Maxi-Cash generates revenue primarily through interest income from its pawnbroking and loan services. The company provides secured loans against collateral, such as gold, which allows it to charge competitive interest rates while minimizing risk. Additionally, Maxi-Cash earns income from the sale of unredeemed pledges, where collateral items that are not reclaimed by customers are sold to recover the loan amounts. The company also engages in retailing gold and jewelry, contributing to its revenue streams. Furthermore, strategic partnerships with financial institutions and gold suppliers enhance its operational capabilities and market reach, driving additional earnings.

Maxi-Cash Financial Services Corp. Ltd. Financial Statement Overview

Summary

Maxi-Cash Financial Services Corp. Ltd. shows strong revenue growth and profitability improvements, with effective leverage management. However, cash flow challenges persist, which could impact liquidity. The company needs to focus on improving operational cash flows to sustain its growth trajectory.

Income Statement

Maxi-Cash Financial Services Corp. Ltd. has demonstrated strong revenue growth with an 8.98% increase in TTM, indicating a positive trajectory. The gross profit margin is stable at 36.29%, and the net profit margin has improved to 6.84%, reflecting enhanced profitability. However, the EBITDA margin has slightly decreased to 14.09%, suggesting some pressure on operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.90 in TTM from previous years, indicating better leverage management. Return on equity is strong at 19.17%, showcasing effective use of equity to generate profits. However, the equity ratio remains low, suggesting potential risks if leverage increases.

Cash Flow

The cash flow situation is challenging, with negative operating cash flow and free cash flow in TTM. Despite a 5.7% growth in free cash flow, the negative operating cash flow coverage ratio indicates potential liquidity issues. The free cash flow to net income ratio is healthy at 115.80%, showing that the company is generating cash relative to its net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	703.51M	587.56M	471.58M	319.01M	225.70M	262.82M
Gross Profit	255.31M	215.17M	164.48M	110.22M	81.82M	83.60M
EBITDA	99.12M	114.47M	83.85M	57.11M	42.00M	33.82M
Net Income	48.12M	34.33M	19.19M	15.98M	14.45M	29.26M
Balance Sheet
Total Assets	1.29B	1.24B	920.23M	826.48M	581.94M	516.54M
Cash, Cash Equivalents and Short-Term Investments	37.94M	42.74M	32.64M	30.81M	19.73M	23.82M
Total Debt	234.91M	730.92M	698.20M	611.96M	415.96M	345.80M
Total Liabilities	1.01B	988.12M	749.17M	666.12M	431.39M	363.93M
Stockholders Equity	261.73M	240.36M	165.88M	159.19M	149.43M	151.57M
Cash Flow
Free Cash Flow	-63.76M	-59.46M	10.66M	-22.96M	-47.36M	45.96M
Operating Cash Flow	-55.06M	-46.08M	16.33M	-17.22M	-22.10M	72.77M
Investing Cash Flow	8.54M	-809.00K	-5.48M	-22.24M	-23.97M	-14.99M
Financing Cash Flow	66.69M	56.93M	-9.04M	50.43M	42.02M	-49.92M

Maxi-Cash Financial Services Corp. Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.22
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:5UF, the sentiment is Positive. The current price of 0.22 is above the 20-day moving average (MA) of 0.21, above the 50-day MA of 0.21, and above the 200-day MA of 0.16, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 69.15 is Neutral, neither overbought nor oversold. The STOCH value of 67.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SG:5UF.

Maxi-Cash Financial Services Corp. Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
5UF	73 Outperform	S$417.64M	8.61	22.53%	5.76%	42.42%	53.37%
AWI	73 Outperform	S$207.15M	1.62	60.53%	2.44%	35.72%	1011.32%
T6I	72 Outperform	S$935.77M	9.17	18.70%	3.92%	20.97%	37.69%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%

Maxi-Cash Financial Services Corp. Ltd. Corporate Events

Aspial Lifestyle Limited Issues S$75 Million Notes Due 2029

Aspial Lifestyle Limited has announced the issuance of S$75,000,000 5.10% notes due 2029 under its multicurrency medium-term note programme. This issuance includes S$36,500,000 in new notes exchanged for existing notes and S$38,500,000 in additional notes, with DBS Bank Ltd. serving as the sole dealer manager. The proceeds will be used for general corporate purposes, including refinancing, investments, and capital expenditures, with the notes expected to be listed on the Singapore Exchange on 30 October 2025.

Aspial Lifestyle Limited Launches S$38.5M Notes Due 2029

Aspial Lifestyle Limited has announced the launch and pricing of S$38,500,000 5.10% notes due 2029 under its S$300,000,000 multicurrency medium-term note programme. The notes, which will consolidate with a previous tranche to form Series 005 Notes, are aimed at institutional and accredited investors in Singapore, with DBS Bank Ltd. acting as the sole dealer. The proceeds will be used for general corporate purposes, including refinancing existing borrowings and financing investments, acquisitions, and expansions.

Aspial Lifestyle Limited Concludes Note Exchange Offer

Aspial Lifestyle Limited announced the results of its invitation to exchange outstanding 6.25% notes due 2027 for new 5.10% notes due 2029. The company accepted S$36,500,000 worth of existing notes for exchange, leaving S$53,500,000 outstanding. This move is expected to impact the company’s financial strategy and stakeholder interests by altering its debt profile.