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Moneymax Financial ServicesSGX:5WJ -1.22%70 Operating Margin % is 27.27% as of Dec. 2025, which is 41% above its 10-year median of 19.28. 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 1,133 Retail - Cyclical companies, Moneymax Financial Services ranks better than 97.88% on this metric.
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Moneymax Financial Services Operating Margin % Related Terms
Moneymax Financial Services Operating 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: Operating Margin % Comparison
For the Specialty Retail subindustry, Moneymax Financial Services's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Moneymax Financial Services's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Moneymax Financial Services's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Operating Margin % of 27.27% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on Moneymax Financial Services and its competitors. This is 41% above median its historical median of 19.28. Over the past decade, Moneymax Financial Services' Operating Margin % has ranged from 14.80 to 26.95. According to the industry distribution chart, Moneymax Financial Services ranks #24 out of 1133 companies in the Retail - Cyclical industry, placing it in the top 2.1%.
Is Moneymax Financial Services' Operating Margin % too high?
Moneymax Financial Services' current Operating Margin % of 27.27% is 41% above median its 10-year median of 19.28. Over the past 10 years, this metric has ranged from a low of 14.80 to a high of 26.95. The Retail - Cyclical industry median Operating Margin % is 3.89. Moneymax Financial Services' value of 27.27% is 601% above this industry median. Based on the distribution chart, Moneymax Financial Services ranks #24 out of 1133 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' Operating Margin % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Moneymax Financial Services ranks #24 out of 1133 companies for Operating Margin %. This places Moneymax Financial Services in the top 2% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 3.89. Moneymax Financial Services' value of 27.27% is 601% above this benchmark. Historically, Moneymax Financial Services' own Operating Margin % has ranged from 14.80 to 26.95 over the past decade. While the company's 10-year median is 19.28 vs. the industry median of 3.89, 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 Operating Margin % for a Retail - Cyclical company?
The median Operating Margin % among Retail - Cyclical companies is 3.89, based on 1,133 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Moneymax Financial Services's current Operating Margin % of 27.27% is 601% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Moneymax Financial Services and its competitors. For the Retail - Cyclical industry, the median Operating Margin % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneymax Financial Services's current Operating Margin % is 27.27%, which is 41% above median its own 10-year median of 19.28. 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 Operating Margin % is 27.27%, which is 41% above median its 10-year median of 19.28 and 601% above the Retail - Cyclical industry median of 3.89. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Operating Margin % is 27.27% 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:
Operating Margin %: 27.27% (41% above median its 10-year median of 19.28)
GF Value™: S$0.29 vs. price of S$0.81 (179.3% above fair value)
Industry Position: 601% above the Retail - Cyclical median (#24 of 1133)
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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