Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Moneymax Financial Services's Days Sales Outstanding for the
six
months ended in Dec. 2025 was 461.89.
Moneymax Financial Services's Days Inventory for the
six
months ended in Dec. 2025 was 112.81.
Moneymax Financial Services's Days Payable for the
six
months ended in Dec. 2025 was 53.81.
Therefore, Moneymax Financial Services's Cash Conversion Cycle (CCC) for the
six
months ended in Dec. 2025 was 520.89.
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
Moneymax Financial Services Cash Conversion Cycle Related Terms
Moneymax Financial Services Cash Conversion Cycle Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SGX:5WJ vs CASY, WSM, ULTA: Cash Conversion Cycle Comparison
For the Specialty Retail subindustry, Moneymax Financial Services's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Moneymax Financial Services Cash Conversion Cycle vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where Moneymax Financial Services's Cash Conversion Cycle falls into.
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
Moneymax Financial Services's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Moneymax Financial Services (SGX:5WJ) has a Cash Conversion Cycle of 520.89 as of Dec. 2025. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Moneymax Financial Services and its competitors.
Is Moneymax Financial Services' Cash Conversion Cycle too high?
Moneymax Financial Services' current Cash Conversion Cycle is 520.89. The Retail - Cyclical industry median Cash Conversion Cycle is 68.54. Moneymax Financial Services' value of 520.89 is 660% above this industry median. Overall, Moneymax Financial Services has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Moneymax Financial Services' Cash Conversion Cycle compare to CASY and WSM?
Moneymax Financial Services' Cash Conversion Cycle of 520.89 can be compared against companies in the Retail - Cyclical industry. The industry median Cash Conversion Cycle is 68.54. Moneymax Financial Services' value of 520.89 is 660% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Retail - Cyclical company?
The median Cash Conversion Cycle among Retail - Cyclical companies is 68.54, based on 1,133 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Moneymax Financial Services's current Cash Conversion Cycle of 520.89 is 660% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Moneymax Financial Services and its competitors. For the Retail - Cyclical industry, the median Cash Conversion Cycle is 68.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneymax Financial Services's current Cash Conversion Cycle is 520.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Moneymax Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Moneymax Financial Services (SGX:5WJ) is currently considered Significantly Overvalued. The stock's GF Value™ is S$0.29, compared to a current price of S$0.81 — trading 179.3% above its estimated fair value. The current Cash Conversion Cycle is 520.89 and 660% above the Retail - Cyclical industry median of 68.54. Moneymax Financial Services' overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Cash Conversion Cycle is 520.89 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Moneymax Financial Services (SGX:5WJ) Overvalued in 2026?
Based on GuruFocus' analysis, Moneymax Financial Services stock appears to be overvalued.
The current stock price of S$0.81 is trading 179.3% above its estimated GF Value™ of S$0.29.
GuruFocus considers Moneymax Financial Services to be Significantly Overvalued.
Key valuation signals for SGX:5WJ:
Cash Conversion Cycle: 520.89
GF Value™: S$0.29 vs. price of S$0.81 (179.3% above fair value)
Industry Position: 660% above the Retail - Cyclical median
No single metric tells the full story. See the SGX:5WJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Moneymax Financial Services Ltd is an investment holding company. The company's business segments are Pawnbroking, Retail trading of gold and luxury items, Secured Lending, and Other operations including investment holding and provision of other support services. It operates an online platform for shopping, MoneyMax Online, as well as a pre-owned luxury retail outlet. The company operates a pawnbroking chain to offer an online platform to shop, sell, and appraise their valuables. Its geographical segments are Singapore and Malaysia, of which the vast majority of its revenue comes from Singapore.
70GF Score
Get the complete analysis for SGX:5WJ
Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SGX:5WJ has been successfully added to your 
