Moneymax Financial Services (SGX:5WJ) Scaled Net Operating Assets: 1.13 (As of Dec. 2025)

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SGX:5WJ Moneymax Financial Services Ltd SGX:5WJ
70 GF Score
Price S$0.84
GF Value S$0.29
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Moneymax Financial Services Scaled Net Operating Assets?

Moneymax Financial Services SGX:5WJ +3.09% 70 Scaled Net Operating Assets is 1.13 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Moneymax Financial Services's operating assets for the quarter that ended in Dec. 2025 was S$1,207.3 Mil. Moneymax Financial Services's operating liabilities for the quarter that ended in Dec. 2025 was S$79.7 Mil. Moneymax Financial Services's Total Assets for the quarter that ended in Jun. 2025 was S$1,000.0 Mil. Therefore, Moneymax Financial Services's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 1.13.


Moneymax Financial Services Scaled Net Operating Assets Historical Data

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The historical data trend for Moneymax Financial Services's Scaled Net Operating Assets can be seen below:

* 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 Scaled Net Operating Assets Chart

Moneymax Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Scaled Net Operating Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.18 1.09 1.05 1.10 1.22

Moneymax Financial Services Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Scaled Net Operating Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.99 0.23 1.00 0.24 1.13

SGX:5WJ vs CASY, WSM, ULTA: Scaled Net Operating Assets Comparison

For the Specialty Retail subindustry, Moneymax Financial Services's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Moneymax Financial Services's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where Moneymax Financial Services's Scaled Net Operating Assets falls into.


SGX:5WJ
70GF Score
Moneymax Financial Services Ltd SGX:5WJ
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Moneymax Financial Services Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Moneymax Financial Services's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(1207.327-79.741)/925.062
=1.22

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=1235.351 - 28.024
=1207.327

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=962.799 - 223.763 - 659.295
=79.741

Moneymax Financial Services's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(1207.327-79.741)/1000.015
=1.13

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=1235.351 - 28.024
=1207.327

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=962.799 - 223.763 - 659.295
=79.741

* 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.

What does a Scaled Net Operating Assets of 1.13 mean?
Moneymax Financial Services (SGX:5WJ) has a Scaled Net Operating Assets of 1.13 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Moneymax Financial Services and its competitors.
Is Moneymax Financial Services' Scaled Net Operating Assets too high?
Moneymax Financial Services' current Scaled Net Operating Assets is 1.13. 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' Scaled Net Operating Assets compare to CASY and WSM?
Moneymax Financial Services' Scaled Net Operating Assets of 1.13 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 Scaled Net Operating Assets for a Retail - Cyclical company?
A good Scaled Net Operating Assets depends on the Retail - Cyclical industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Moneymax Financial Services and its competitors. Moneymax Financial Services's current Scaled Net Operating Assets is 1.13. 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 Scaled Net Operating Assets is 1.13. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Moneymax Financial Services (SGX:5WJ), the current Scaled Net Operating Assets is 1.13 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:

  • Scaled Net Operating Assets: 1.13
  • GF Value™: S$0.29 vs. price of S$0.84 (187.9% 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

Get the complete analysis for SGX:5WJ

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S$0.84
Price
S$0.29
GF Value