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 ServicesSGX:5WJ -1.22%70 Interest Coverage is 4.79 as of Dec. 2025, which is 27% above its 10-year median of 3.78. 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 839 Retail - Cyclical companies, Moneymax Financial Services ranks worse than 65.55% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Moneymax Financial Services's
Operating Income
for the
six
months ended in Dec. 2025 was S$81.5 Mil. Moneymax Financial Services's Interest Expense for the
six
months ended in Dec. 2025 was S$-17.0 Mil.
Moneymax Financial Services's interest coverage for the quarter that ended in Dec. 2025 was 4.79.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Moneymax Financial Services Ltd interest coverage is 4.32, which is low.
The historical rank and industry rank for Moneymax Financial Services's Interest Coverage or its related term are showing as below:
SGX:5WJ'
s Interest Coverage Range Over the Past 10 Years
Min: 2.38 Med: 3.78 Max: 5.99
Current: 4.32
SGX:5WJ's Interest Coverage is ranked worse than 65.55% of 839
companies
in the Retail - Cyclical industry
Industry Median: 7.45
vs SGX:5WJ: 4.32
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Moneymax Financial Services Interest Coverage Related Terms
Moneymax Financial Services Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
SGX:5WJ vs CASY, WSM, ULTA: Interest Coverage Comparison
For the Specialty Retail subindustry, Moneymax Financial Services's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Moneymax Financial Services's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 4.79 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Moneymax Financial Services and its competitors. This is 27% above median its historical median of 3.78. Over the past decade, Moneymax Financial Services' Interest Coverage has ranged from 2.38 to 5.99. According to the industry distribution chart, Moneymax Financial Services ranks #550 out of 839 companies in the Retail - Cyclical industry, placing it in the top 65.6%.
Is Moneymax Financial Services' Interest Coverage too high?
Moneymax Financial Services' current Interest Coverage of 4.79 is 27% above median its 10-year median of 3.78. Over the past 10 years, this metric has ranged from a low of 2.38 to a high of 5.99. The Retail - Cyclical industry median Interest Coverage is 7.45. Moneymax Financial Services' value of 4.79 is 35.7% below this industry median. Based on the distribution chart, Moneymax Financial Services ranks #550 out of 839 companies in the Retail - Cyclical industry, which is below 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' Interest Coverage compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Moneymax Financial Services ranks #550 out of 839 companies for Interest Coverage. This places Moneymax Financial Services in the lower half of its industry. The industry median Interest Coverage is 7.45. Moneymax Financial Services' value of 4.79 is 35.7% below this benchmark. Historically, Moneymax Financial Services' own Interest Coverage has ranged from 2.38 to 5.99 over the past decade. While the company's 10-year median is 3.78 vs. the industry median of 7.45, Moneymax Financial Services has consistently been below 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 Interest Coverage for a Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.45, based on 839 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Moneymax Financial Services's current Interest Coverage of 4.79 is 35.7% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Moneymax Financial Services and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneymax Financial Services's current Interest Coverage is 4.79, which is 27% above median its own 10-year median of 3.78. 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 Interest Coverage is 4.79, which is 27% above median its 10-year median of 3.78 and 35.7% below the Retail - Cyclical industry median of 7.45. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Interest Coverage is 4.79 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:
Interest Coverage: 4.79 (27% above median its 10-year median of 3.78)
GF Value™: S$0.29 vs. price of S$0.81 (179.3% above fair value)
Industry Position: 35.7% below the Retail - Cyclical median (#550 of 839)
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
Interest Coverage 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 
