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Moneymax Financial ServicesSGX:5WJ -1.22%70 Days Payable is 53.81 as of Dec. 2025, which is 62% above its 10-year median of 33.16. GuruFocus rates SGX:5WJ with a GF Score™ of 70/100 and a GF Value™ of S$0.29 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,109 Retail - Cyclical companies, Moneymax Financial Services ranks better than 59.15% on this metric.
* 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: Days Payable Comparison
For the Specialty Retail subindustry, Moneymax Financial Services's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Days Payable distribution charts can be found below:
* The bar in red indicates where Moneymax Financial Services's Days Payable falls into.
Moneymax Financial Services Days Payable Calculation
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
* 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 Days Payable of 53.81 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Moneymax Financial Services and its competitors. This is 62% above median its historical median of 33.16. Over the past decade, Moneymax Financial Services' Days Payable has ranged from 11.50 to 65.14. According to the industry distribution chart, Moneymax Financial Services ranks #453 out of 1109 companies in the Retail - Cyclical industry, placing it in the top 40.8%.
Is Moneymax Financial Services' Days Payable too high?
Moneymax Financial Services' current Days Payable of 53.81 is 62% above median its 10-year median of 33.16. Over the past 10 years, this metric has ranged from a low of 11.50 to a high of 65.14. The Retail - Cyclical industry median Days Payable is 51.14. Moneymax Financial Services' value of 53.81 is 5.2% above this industry median. Based on the distribution chart, Moneymax Financial Services ranks #453 out of 1109 companies in the Retail - Cyclical industry, which is above the industry midpoint. 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' Days Payable compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Moneymax Financial Services ranks #453 out of 1109 companies for Days Payable. This puts Moneymax Financial Services in the upper half of its industry. The industry median Days Payable is 51.14. Moneymax Financial Services' value of 53.81 is 5.2% above this benchmark. Historically, Moneymax Financial Services' own Days Payable has ranged from 11.50 to 65.14 over the past decade. While the company's 10-year median is 33.16 vs. the industry median of 51.14, Moneymax Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Retail - Cyclical company?
The median Days Payable among Retail - Cyclical companies is 51.14, based on 1,109 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Moneymax Financial Services's current Days Payable of 53.81 is 5.2% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Moneymax Financial Services and its competitors. For the Retail - Cyclical industry, the median Days Payable is 51.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneymax Financial Services's current Days Payable is 53.81, which is 62% above median its own 10-year median of 33.16. 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 Days Payable is 53.81, which is 62% above median its 10-year median of 33.16 and 5.2% above the Retail - Cyclical industry median of 51.14. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Days Payable is 53.81 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:
Days Payable: 53.81 (62% above median its 10-year median of 33.16)
GF Value™: S$0.29 vs. price of S$0.81 (179.3% above fair value)
Industry Position: 5.2% above the Retail - Cyclical median (#453 of 1109)
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
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