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 +3.09%70 Pretax Margin % is 18.64% as of Dec. 2025, which is 63% above its 10-year median of 11.47. 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 91.62% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Moneymax Financial Services Pretax Margin % Related Terms
Moneymax Financial Services Pretax 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: Pretax Margin % Comparison
For the Specialty Retail subindustry, Moneymax Financial Services's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Moneymax Financial Services's Pretax 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 Pretax Margin % of 18.64% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Moneymax Financial Services and its competitors. This is 63% above median its historical median of 11.47. Over the past decade, Moneymax Financial Services' Pretax Margin % has ranged from 4.73 to 17.69. According to the industry distribution chart, Moneymax Financial Services ranks #95 out of 1133 companies in the Retail - Cyclical industry, placing it in the top 8.4%.
Is Moneymax Financial Services' Pretax Margin % too high?
Moneymax Financial Services' current Pretax Margin % of 18.64% is 63% above median its 10-year median of 11.47. Over the past 10 years, this metric has ranged from a low of 4.73 to a high of 17.69. The Retail - Cyclical industry median Pretax Margin % is 3.14. Moneymax Financial Services' value of 18.64% is 493.6% above this industry median. Based on the distribution chart, Moneymax Financial Services ranks #95 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' Pretax Margin % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Moneymax Financial Services ranks #95 out of 1133 companies for Pretax Margin %. This places Moneymax Financial Services in the top 8% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 3.14. Moneymax Financial Services' value of 18.64% is 493.6% above this benchmark. Historically, Moneymax Financial Services' own Pretax Margin % has ranged from 4.73 to 17.69 over the past decade. While the company's 10-year median is 11.47 vs. the industry median of 3.14, 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 Pretax Margin % for a Retail - Cyclical company?
The median Pretax Margin % among Retail - Cyclical companies is 3.14, based on 1,133 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Moneymax Financial Services's current Pretax Margin % of 18.64% is 493.6% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Moneymax Financial Services and its competitors. For the Retail - Cyclical industry, the median Pretax Margin % is 3.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Moneymax Financial Services's current Pretax Margin % is 18.64%, which is 63% above median its own 10-year median of 11.47. 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$0.84 — trading 187.9% above its estimated fair value. The current Pretax Margin % is 18.64%, which is 63% above median its 10-year median of 11.47 and 493.6% above the Retail - Cyclical industry median of 3.14. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Pretax Margin % is 18.64% 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$0.84 is trading 187.9% above its estimated GF Value™ of S$0.29.
GuruFocus considers Moneymax Financial Services to be Significantly Overvalued.
Key valuation signals for SGX:5WJ:
Pretax Margin %: 18.64% (63% above median its 10-year median of 11.47)
GF Value™: S$0.29 vs. price of S$0.84 (187.9% above fair value)
Industry Position: 493.6% above the Retail - Cyclical median (#95 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
Get the complete analysis for SGX:5WJ
Pretax Margin % 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 
