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Moneymax Financial ServicesSGX:5WJ -1.22%70 Net Margin % is 14.06% as of Dec. 2025, which is 69% above its 10-year median of 8.32. 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 1,132 Retail - Cyclical companies, Moneymax Financial Services ranks better than 91.87% on this metric.
Moneymax Financial Services (SGX:5WJ) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Moneymax Financial Services Net Margin % Related Terms
Moneymax Financial Services Net 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: Net Margin % Comparison
For the Specialty Retail subindustry, Moneymax Financial Services's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Moneymax Financial Services's Net 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.
Moneymax Financial Services (SGX:5WJ) has a Net Margin % of 14.06% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Moneymax Financial Services and its competitors. This is 69% above median its historical median of 8.32. Over the past decade, Moneymax Financial Services' Net Margin % has ranged from 3.40 to 13.23. According to the industry distribution chart, Moneymax Financial Services ranks #92 out of 1132 companies in the Retail - Cyclical industry, placing it in the top 8.1%.
Is Moneymax Financial Services' Net Margin % too high?
Moneymax Financial Services' current Net Margin % of 14.06% is 69% above median its 10-year median of 8.32. Over the past 10 years, this metric has ranged from a low of 3.40 to a high of 13.23. The Retail - Cyclical industry median Net Margin % is 2.31. Moneymax Financial Services' value of 14.06% is 510% above this industry median. Based on the distribution chart, Moneymax Financial Services ranks #92 out of 1132 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. 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' Net Margin % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Moneymax Financial Services ranks #92 out of 1132 companies for Net Margin %. This places Moneymax Financial Services in the top 8% of its industry — outperforming the majority of peers. The industry median Net Margin % is 2.31. Moneymax Financial Services' value of 14.06% is 510% above this benchmark. Historically, Moneymax Financial Services' own Net Margin % has ranged from 3.40 to 13.23 over the past decade. While the company's 10-year median is 8.32 vs. the industry median of 2.31, 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 Net Margin % for a Retail - Cyclical company?
The median Net Margin % among Retail - Cyclical companies is 2.31, based on 1,132 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Moneymax Financial Services's current Net Margin % of 14.06% is 510% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Moneymax Financial Services and its competitors. For the Retail - Cyclical industry, the median Net Margin % is 2.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneymax Financial Services's current Net Margin % is 14.06%, which is 69% above median its own 10-year median of 8.32. 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 Net Margin % is 14.06%, which is 69% above median its 10-year median of 8.32 and 510% above the Retail - Cyclical industry median of 2.31. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Net Margin % is 14.06% 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:
Net Margin %: 14.06% (69% above median its 10-year median of 8.32)
GF Value™: S$0.29 vs. price of S$0.81 (179.3% above fair value)
Industry Position: 510% above the Retail - Cyclical median (#92 of 1132)
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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