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Moneymax Financial ServicesSGX:5WJ -1.22%70 Gross Margin % is 38.04% as of Dec. 2025, which is 1% above its 10-year median of 37.70. 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 1,122 Retail - Cyclical companies, Moneymax Financial Services ranks better than 53.3% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Moneymax Financial Services had a gross margin of 38.04% for the quarter that ended in Dec. 2025 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Moneymax Financial Services Gross Margin % Related Terms
Moneymax Financial Services Gross Margin % 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: Gross Margin % Comparison
For the Specialty Retail subindustry, Moneymax Financial Services's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Moneymax Financial Services's Gross Margin % falls into.
* 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Moneymax Financial Services (SGX:5WJ) has a Gross Margin % of 38.04% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Moneymax Financial Services and its competitors. This is near median its historical median of 37.70. Over the past decade, Moneymax Financial Services' Gross Margin % has ranged from 35.77 to 38.67. According to the industry distribution chart, Moneymax Financial Services ranks #524 out of 1122 companies in the Retail - Cyclical industry, placing it in the top 46.7%.
Is Moneymax Financial Services' Gross Margin % too high?
Moneymax Financial Services' current Gross Margin % of 38.04% is near median its 10-year median of 37.70. Over the past 10 years, this metric has ranged from a low of 35.77 to a high of 38.67. The Retail - Cyclical industry median Gross Margin % is 36.26. Moneymax Financial Services' value of 38.04% is 4.9% above this industry median. Based on the distribution chart, Moneymax Financial Services ranks #524 out of 1122 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' Gross Margin % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Moneymax Financial Services ranks #524 out of 1122 companies for Gross Margin %. This puts Moneymax Financial Services in the upper half of its industry. The industry median Gross Margin % is 36.26. Moneymax Financial Services' value of 38.04% is 4.9% above this benchmark. Historically, Moneymax Financial Services' own Gross Margin % has ranged from 35.77 to 38.67 over the past decade. While the company's 10-year median is 37.70 vs. the industry median of 36.26, 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 Gross Margin % for a Retail - Cyclical company?
The median Gross Margin % among Retail - Cyclical companies is 36.26, based on 1,122 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Moneymax Financial Services's current Gross Margin % of 38.04% is 4.9% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Moneymax Financial Services and its competitors. For the Retail - Cyclical industry, the median Gross Margin % is 36.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneymax Financial Services's current Gross Margin % is 38.04%, which is near median its own 10-year median of 37.70. 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 Gross Margin % is 38.04%, which is near median its 10-year median of 37.70 and 4.9% above the Retail - Cyclical industry median of 36.26. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Gross Margin % is 38.04% 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:
Gross Margin %: 38.04% (near median its 10-year median of 37.70)
GF Value™: S$0.29 vs. price of S$0.81 (179.3% above fair value)
Industry Position: 4.9% above the Retail - Cyclical median (#524 of 1122)
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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