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Maxi-Cash Financial Services Corp. Ltd.
(SGX:5UF)
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Rating:59Neutral
Price Target:
S$0.39
▲(75.91% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by financial risk: strong revenue and earnings growth is meaningfully constrained by highly leveraged balance-sheet positioning and materially negative recent operating/free cash flow. Offsetting this, valuation is supportive (low P/E and ~4.25% yield), while technical indicators are broadly neutral with mildly positive momentum.
Positive Factors
Strong Revenue Growth
Revenue has expanded substantially across the reported period, reaching 927.1M TTM. Sustained top-line growth indicates broader business scale and provides a foundation for operating leverage, provided cash conversion and balance-sheet risks remain controlled.
Negative Factors
High and Rising Leverage
Debt has more than doubled from 416.0M in 2021 to 936.4M TTM, while debt-to-equity reached 3.90x. This creates lasting sensitivity to funding conditions and earnings weakness, limiting financial flexibility and increasing refinancing risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Revenue has expanded substantially across the reported period, reaching 927.1M TTM. Sustained top-line growth indicates broader business scale and provides a foundation for operating leverage, provided cash conversion and balance-sheet risks remain controlled.
Read all positive factors
Maxi-Cash Financial Services Corp. Ltd. (5UF) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$744.18M
Dividend Yield2.57%
Average Volume (3M)4.60M
Price to Earnings (P/E)0.1
Beta (1Y)0.37
Revenue Growth31.78%
EPS Growth168.13%
CountrySG
Employees918
SectorConsumer Cyclical
Sector Strength84
IndustryLuxury Goods
Share Statistics
EPS (TTM)2.81
Shares Outstanding2,067,268,800
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
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Maxi-Cash Financial Services Corp. Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
46
Neutral
Cash Flow
28
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 927.07M | 830.08M | 587.56M | 471.58M | 319.01M | 225.70M |
| Gross Profit | 347.32M | 302.12M | 215.17M | 164.48M | 110.22M | 81.82M |
| EBITDA | 150.12M | 172.95M | 114.47M | 83.85M | 57.11M | 42.00M |
| Net Income | 105.19M | 80.72M | 34.33M | 19.19M | 15.98M | 14.45M |
Balance Sheet | ||||||
| Total Assets | 1.86B | 1.60B | 1.24B | 920.23M | 826.48M | 581.94M |
| Cash, Cash Equivalents and Short-Term Investments | 82.64M | 86.47M | 42.74M | 32.64M | 30.81M | 19.73M |
| Total Debt | 936.43M | 850.65M | 730.92M | 698.20M | 611.96M | 415.96M |
| Total Liabilities | 1.42B | 1.28B | 988.12M | 749.17M | 666.12M | 431.39M |
| Stockholders Equity | 426.12M | 301.02M | 240.36M | 165.88M | 159.19M | 149.43M |
Cash Flow | ||||||
| Free Cash Flow | -138.65M | -43.37M | -59.46M | 10.66M | -22.96M | -47.36M |
| Operating Cash Flow | -104.84M | -7.83M | -46.08M | 16.33M | -17.22M | -22.10M |
| Investing Cash Flow | -38.85M | -31.13M | -809.00K | -5.48M | -22.24M | -23.97M |
| Financing Cash Flow | 187.82M | 81.92M | 56.93M | -9.04M | 50.43M | 42.02M |
Maxi-Cash Financial Services Corp. Ltd. Technical Analysis
Neutral
0.22
Price Trends
0.35
Positive
0.36
Negative
0.30
Positive
Market Momentum
<0.01
Positive
50.36
Neutral
5.37
Positive
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 0.36, below the 50-day MA of 0.35, and below the 200-day MA of 0.30, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 50.36 is Neutral, neither overbought nor oversold. The STOCH value of 5.37 is Positive, 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | S$1.82B | 9.96 | 17.57% | 2.18% | 15.08% | 32.76% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
59 Neutral | S$744.18M | 0.12 | 28.69% | 5.76% | 31.78% | 168.13% | |
59 Neutral | S$328.29M | 10.87 | 7.71% | ― | 22.58% | 54.44% | |
59 Neutral | S$894.94M | 7.62 | 17.55% | 3.92% | 32.49% | 15.58% |
* Consumer Cyclical Sector Average
SG:5UF
Maxi-Cash Financial Services Corp. Ltd.
0.35
0.22
165.15%
SG:5WJ
MoneyMax Financial Services Ltd.
0.79
0.42
116.85%
SG:A30
Aspial Corporation Limited
0.15
0.07
78.57%
SG:AGS
Hour Glass Ltd.
2.79
0.91
48.09%
SG:C41
Cortina Holdings Limited
3.84
0.22
6.22%
SG:T6I
ValueMax Group Ltd.
0.95
0.14
17.68%
Maxi-Cash Financial Services Corp. Ltd. Corporate Events
Aspial Lifestyle Posts Record 1H2026 Revenue and Boosts Dividend on Strong Growth
Aug 7, 2026
Aspial Lifestyle Limited, a diversified consumer lifestyle group focused on jewellery retail, pawnbroking and secured lending, operates 118 stores under brands including Maxi-Cash, Goldheart and Lee Hwa across Singapore, Malaysia and select intern...
Aspial Lifestyle Overhauls Board Structure With New Independent Director
Jul 10, 2026
Aspial Lifestyle Limited has strengthened its board by appointing Ms Pan Pei Say as an independent director, filling the vacancy created by the retirement of director Mr Tan Soo Kiang at the April 2026 annual general meeting. The refreshed board n...
Aspial Lifestyle Fully Deploys S$84.8m Equity Raise Into Lending Expansion and Debt Repayment
Jul 8, 2026
Aspial Lifestyle Limited has provided an update on the use of S$84.8 million raised through a private placement and non-renounceable preferential offering completed between May and June 2026. The equity proceeds were allocated to general corporate...
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...
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.