Moneymax Financial Services (SGX:5WJ) Margin of Safety % (DCF Earnings Based): 68.36% (As of Aug. 06, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

SGX:5WJ Moneymax Financial Services Ltd SGX:5WJ
70 GF Score
Price S$0.81
GF Value S$0.29
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Moneymax Financial Services Margin of Safety % (DCF Earnings Based)?

Moneymax Financial Services SGX:5WJ -1.22% 70 Margin of Safety % (DCF Earnings Based) is 68.36% as of Aug. 06, 2026. 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-08-06), Moneymax Financial Services's Predictability Rank is 4.5-Stars. Moneymax Financial Services's intrinsic value calculated from the Discounted Earnings model is S$2.56 and current share price is S$0.81. Consequently,

Moneymax Financial Services's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 68.36%.


SGX:5WJ vs CASY, WSM, ULTA: Margin of Safety % (DCF Earnings Based) Comparison

For the Specialty Retail subindustry, Moneymax Financial Services's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Moneymax Financial Services's Margin of Safety % (DCF Earnings Based) falls into.


SGX:5WJ
70GF Score
Moneymax Financial Services Ltd SGX:5WJ
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Moneymax Financial Services Margin of Safety % (DCF Earnings Based) Calculation

Moneymax Financial Services's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(2.56-0.81)/2.56
=68.36 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 68.36% mean?
Moneymax Financial Services (SGX:5WJ) has a Margin of Safety % (DCF Earnings Based) of 68.36% as of Aug. 06, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Moneymax Financial Services.
Is Moneymax Financial Services' Margin of Safety % (DCF Earnings Based) too high?
Moneymax Financial Services' current Margin of Safety % (DCF Earnings Based) is 68.36%. 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' Margin of Safety % (DCF Earnings Based) compare to CASY and WSM?
Moneymax Financial Services' Margin of Safety % (DCF Earnings Based) of 68.36% can be compared against companies in the Retail - Cyclical industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Retail - Cyclical company?
A good Margin of Safety % (DCF Earnings Based) depends on the Retail - Cyclical industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Moneymax Financial Services. Moneymax Financial Services's current Margin of Safety % (DCF Earnings Based) is 68.36%. 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 Margin of Safety % (DCF Earnings Based) is 68.36%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Margin of Safety % (DCF Earnings Based) is 68.36% as of Aug. 06, 2026. 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:

  • Margin of Safety % (DCF Earnings Based): 68.36%
  • GF Value™: S$0.29 vs. price of S$0.81 (179.3% above fair value)
  • GF Score™: 70/100 with 5 warning signs

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 Business Description

Address 7 Changi Business Park Vista, No. 01-01, SOOKEE HQ, Singapore, SGP, 486042
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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S$0.81
Price
S$0.29
GF Value