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

• Market Cap: S$612.55M
• Dividend Yield: 5.76%
• Average Volume (3M): 4.60M
• Price to Earnings (P/E): 4.3
• Beta (1Y): 0.51
• Revenue Growth: 42.42%
• EPS Growth: 53.37%
• Country: SG
• Employees: 918
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Luxury Goods
• EPS (TTM): 0.05
• 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$0.31 ▲(41.82% Upside)
• Action: Upgraded Date: 01/31/26
• Date: Action: Upgraded 01/31/26

The score is driven primarily by solid financial performance in revenue/profitability and an improving leverage profile, offset by ongoing negative operating/free cash flow. Technicals are supportive with price above major moving averages and positive MACD, while valuation is helped by a low-to-moderate P/E and a solid dividend yield.

Positive Factors

Revenue & margin improvement

Sustained revenue growth and rising net margin signal durable top-line momentum and improving profitability. Stable gross margin near 36% supports pricing and cost structure resilience, enabling reinvestment in branches and products and underpinning medium-term earnings stability.

Negative Factors

Weak operating cash flow

Negative operating cash flow is a structural concern: it constrains the firm's ability to internally fund loan growth, inventory (gold/jewelry) and capital needs. Persistent cash shortfalls force reliance on external financing, increasing refinancing and liquidity risk over the medium term.

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 Merc...

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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 Merc...

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. ...

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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. ...

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

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: Positive
• 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 below the 20-day moving average (MA) of 0.31, below the 50-day MA of 0.31, and above the 200-day MA of 0.21, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 49.57 is Neutral, neither overbought nor oversold. The STOCH value of 69.74 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$612.55M	4.27	22.53%	5.76%	42.42%	53.37%
AWI	69 Neutral	S$239.12M	0.80	58.95%	2.44%	35.72%	1011.32%
T6I	62 Neutral	S$1.09B	8.87	17.10%	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