Moneymax Financial Services Ltd. · SGX:5WJ
Moneymax Financial Services — H1 2025 Earnings Presentation
22 slides from Moneymax Financial Services's earnings presentation, Aug 11, 2025
Slide 1: 1H-2025 Corporate Presentation
1H-2025 CORPORATE PRESENTATION 11 August 2025 ## RESTRICTED ##
Slide 2: Sponsor and SGX-ST disclaimer
This presentation has been prepared by MoneyMax Financial Services Ltd. (the “Company”) and has been reviewed by the Company’s sponsor, United Overseas Bank Limited (the “Sponsor”), for compliance with Rules 226(2)(b) and 753(2) of the Singapore Exchange Securities Trading Limited (the “SGX-ST”) Lis
Slide 3: Business Overview
Business Overview 3 ## RESTRICTED ##
Slide 4: Our Business
Our Business A leading integrated financial services provider, retailer and trader of luxury products in Southeast Asia. Diversified revenue streams: PAWNBROKING RETAIL & TRADING AUTOMOTIVE FINANCING 4 PROPERTY FINANCING GENERAL INSURANCE ## RESTRICTED ##
Slide 5: One of the Largest Pawnbroking & Retail Networks
ONE OF THE LARGEST PAWNBROKING & RETAIL NETWORKS OUTLETS IN >100 SINGAPORE & MALAYSIA 5 As at 30 June 2025 ## RESTRICTED ##
Slide 6: Pawnbroking
Pawnbroking Short Term Collateralised Loans SCALE OF HIGHLY NETWORK REGULATED One of the largest Strict compliance chains across Singapore requirements, including and Malaysia KYC and AML protocols DIGITAL FINANCIAL SAFE & SECURE SERVICES TRADE Customers can manage Backed by collaterals their pledge
Slide 7: One of the largest Drive-Thru pawnshop operators in Malaysia
One of the largest Drive-Thru pawnshop operators in Malaysia Unique Selling Points Convenience Security Privacy Growing Demand in area with high traffic congestion 7 07 ## RESTRICTED ##
Slide 8: Retail & Trading – Our Retail Concept
Retail & Trading – Our Retail Concept A modern and contemporary retail experience with sleek design, curated product offerings, and an inviting ambience 8 ## RESTRICTED ##
Slide 9: Retail & Trading – Our Product Offerings
Retail & Trading – Our Product Offerings New Gold Jewellery Pre-loved Gold Pretti Gold Bars Pre-loved Timepieces 9 Gold Gifting Diamond/Gems ## RESTRICTED ##
Slide 10: Secured Lending
Secured Lending Strong car dealership network of over 250 Flexible loan structure dealers Provide flexible Property Regulated by Ministry of Law Automotive financing to car owners Financing Financing Hire purchase financing Focus on residential and (COE / New and used commercial properties car finan
Slide 11: Awards & Accolades
Awards & Accolades 2025 The Straits Times and Statista - Singapore’s Best Employers 2024 2022-2024 2020 2015 2014 2013 • MADANI Credit • Income’s Million • The Straits Times - • Singapore Prestige Singapore Prestige Singapore Prestige Awards - Best CSR Dollar Producer Singapore’s Fastest Brand Award
Slide 12: Community
Community • MoneyMax Education Grant Programme Over 100 students awarded education grants yearly from 2022-2024, with the aim of providing financial assistance to students from underprivileged families. • Participated in Radin Mas Citizens’ Consultative Committee’s Habuan Distribution event, deliver
Slide 13: Financial Performance
Financial Performance 13 ## RESTRICTED ##
Slide 14: 1H-2025 Financial highlights
1H-2025 Financial highlights Revenue Profit Before Income Tax S$ 243.0 million S$ 40.1 million ▲ 31.2% ▲ 77.6% 1H-2024: S$185.2 million 1H-2024: S$22.6 million Profit For The Year Net Margin S$ 31.8 million 13.1% ▲ 76.4% ▲ 3.4 p.p# 1H-2024: S$18.0 million 1H-2024: 9.7% 14 # p.p denotes percentage po
Slide 15: Strong Growth in Revenue and Profit Before Tax
Strong Growth in Revenue and Profit Before Tax Revenue Profit Before Tax (S$’Million) (S$’Million) 243.0 40.1 185.2 135.5 129.5 22.6 92.4 17.1 13.8 11.3 1H-2021 1H-2022 1H-2023 1H-2024 1H-2025 1H-2021 1H-2022 1H-2023 1H-2024 1H-2025 15 ## RESTRICTED ##
Slide 16: Healthy Balance Sheet
Healthy Balance Sheet As at As at Key Highlights (S$’000) % Change 30 Jun 2025 31 Dec 2024 Non-current Assets 206,475 212,686 (2.9) Trade and Other Receivables 154,162 158,748 (2.9) Current Assets 793,540 712,376 11.4 Inventories 94,532 84,677 11.6 Increase demand for short-term customers’ Trade and
Slide 17: Cash Flows Summary
Cash Flows Summary Key Highlights (S$’000) 1H-2025 1H-2024 % Change Net cash used in operating activities (28,989) (34,057) (14.9) Net cash used in investing activities (1,011) (1,193) (15.3) Net cash provided by financing activities 28,945 33,802 (14.4) Net decrease in cash & cash equivalents (1,05
Slide 18: Key Financial Ratios
Key Financial Ratios Profitability Ratios 1H-2025 1H-2024 Net Margin 13.1% 9.7% Interest Coverage Ratio 3.39x 2.55x Earnings per share (cents) 6.70 3.75 As at As at Financial Position Ratios 30 June 2025 31 December 2024 Return on Equity 14.3% 9.1% Improved profitability returns for shareholders Cur
Slide 19: Consistent Dividend Payment
Consistent Dividend Payment No formal dividend policy but consistent dividend payment since listing S$’cents 1.6 1.4 1.2 1 0.8 1.40 0.6 1.18 0.95 1.00 1.00 0.4 0.50 0.50 0.50 0.50 0.50 0.2 0.30 0.30 19 0 FY2013 FY2014 FY2015 FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 ## RESTRICTE
Slide 20: Looking Ahead
Looking Ahead 20 20 ## RESTRICTED ##
Slide 21: Strategic & Innovation Focus
Strategic & Innovation Focus Customer-centric and innovation- driven, constantly evolve to enhance customer experience and uplift industry standards Enhance Customer Experience Continuously evolving Diversified Revenue and innovating through Streams refreshed and Diversification into modernised stor
Slide 22: Thank You
Thank You https://moneymax.com.sg/ ir@moneymax.com.sg For enquiries, please contact: August Consulting: Janice Ong, janiceong@august.com.sg | Dave Tan, davetan@august.com.sg ## RESTRICTED ##
MoneyMax Financial Services — H1 2025 Earnings Presentation on 6ix