Moneymax Financial Services Ltd. · SGX:5WJ
Moneymax Financial Services — FY2025 Earnings Presentation
24 slides from Moneymax Financial Services's earnings presentation, Feb 23, 2026
Slide 1: FY2025 Results Presentation
FY2025 RESULTS PRESENTATION 23 February 2026 ## RESTRICTED ##
Slide 2: Contents
1. Financial Highlights 2. Operational Overview CONTENTS 3. Recent Key Corporate Updates 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
Slide 3: Financial Highlights
Financial Highlights Section 1 3 ## RESTRICTED ##
Slide 4: 2H-2025 Financial highlights
2H-2025 Financial highlights Revenue (S$’ m) Profit Before Income Tax (S$’ m) ▲ 45.9% 299.0 ▲ 86.0% 55.7 204.9 30.0 2H-2024 2H-2025 2H-2024 2H-2025 Profit Attributable to Owners of the Parent Net Margin^ (S$’ m) ▲ 3.4 p.p# 14.9% ▲ 94.3% 42.0 11.5% 21.6 4 2H-2024 2H-2025 2H-2024 2H-2025 -------------
Slide 5: Financial Performance
Financial Performance Revenue (S$’ m) Profit Before Income Tax (S$’ m) ▲ 38.9% 541.9 95.8 ▲ 82.4% 390.1 285.7 52.6 253.5 199.2 32.0 25.4 29.7 FY2021 FY2022 FY2023 FY2024 FY2025 FY2021 FY2022 FY2023 FY2024 FY2025 Profit Attributable to Owners of the Parent Net Margin^ (S$’ m) 71.7 ▲ 87.6% ▲ 3.4 p.p#
Slide 6: Segment Results for FY2025
Segment Results for FY2025 Revenue (S$’ m) Profit Before Income Tax (S$’ m) Others Others S$0.4 Total -$3.8 Total S$541.9m (-4%) S$95.8m Secured Lending Secured S$24.3 Lending (4%) S$6.7 (7%) Pawnbroking S$97.1 (18%) Retail & Trading Pawnbroking S$50.9 S$42.0 (53%) (44%) Retail & Trading S$420.1 (78
Slide 7: Strong Revenue & Profit Growth
Strong Revenue & Profit Growth Revenue by Business Segment Profit Before Tax by Business Segment (S$’Million) (S$’Million) 541.9 95.8 24.3 6.7 ▲ 38.9% ▲ 82.4% 390.1 28.6 50.9 285.7 52.6 420.1 253.5 10.2 25.1 199.2 17.2 294.5 29.7 32.0 11.1 24.7 25.4 10.0 196.1 7.9 184.8 5.2 147.3 8.2 42.0 8.1 11.1 2
Slide 8: Balance Sheet Summary
Balance Sheet Summary As at As at S$’m % Key Highlights (S$’m) 31 Dec 31 Dec Change Change 2025 2024 Non-current Assets 222,880 212,686 10,194 4.8 Trade and Other Receivables 169,873 158,748 11,125 7.0 Increase in pledged loans and lease payment receivables Current Assets 1,013,692 712,376 301,316 4
Slide 9: Cash Flows Summary
Cash Flows Summary S$'m % Key Highlights (S$’000) FY2025 FY2024 Change Change Net cash used in operating activities (177,975) (71,206) (106,769) 149.9 Increase in pledged loan receivables funded by loans and Net cash used in investing activities (3,221) (2,332) (889) 38.1 borrowings under financing
Slide 10: Key Financial Ratios
Key Financial Ratios Profitability Ratios FY2025 FY2024 Note Net Margin 14.1% 10.7% Interest Coverage Ratio 3.83x 2.69x Return on Equity 32.3% 23.3% Earnings per share ("EPS") (cents) 8.10 4.32 (N1) Financial Position Ratios FY2025 FY2024 Note Inventory Turnover (days) 132 days 127 days Current Rati
Slide 11: Consistent Dividend Payment
Consistent Dividend Payment No formal dividend policy but consistent dividend payment since listing FY2025: Final Dividend of 1.50 cents + Special Dividend of 0.50 cents S$’ cents Dividend Payout Ratio of 24.7% 2.5 Sep 2025: 1 for 1 bonus shares issuance 2 0.50 Oct 2021: 1.5 4 for 1 bonus shares iss
Slide 12: Operational Overview
Operational Overview Section 2 12 ## RESTRICTED ##
Slide 13: 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 SECURED LENDING 13 ## RESTRICTED ##
Slide 14: Leading Market Positions in Singapore and Malaysia
Leading Market Positions in Singapore and Malaysia ▪ Leading integrated financial services provider, retailer and trader of luxury products in Singapore and Malaysia ▪ One of the largest pawnbroking and retail chains with 113 outlets across Singapore and Malaysia (FY2024: 105) ▪ Extensive footprint
Slide 15: 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 16: Retail & Trading
Retail & Trading New Gold Jewellery Pretti Gold Bars Pre-loved Gold Diamond/Gems Gold Gifting Pre-loved Timepieces 16 A modern and contemporary retail experience with sleek design, curated product offerings, and an inviting ambience ## RESTRICTED ##
Slide 17: Secured Lending
Secured Lending Strong car dealership network Flexible loan structure 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 financing) General Insura
Slide 18: Quick & Convenient Diversified Financing Services for Different Types of Customers
Quick & Convenient Diversified Financing Services for Different Types of Customers ▪ Dual licensing framework - the Pawnbrokers Licence and the Moneylenders Licence ▪ Serves both individuals and businesses ▪ Speed and convenience are key differentiators in the Group’s services offering PAWNBROKING I
Slide 19: Customer-Centric Innovation
Customer-Centric Innovation ▪ Committed to its customer-centric approach and innovation ▪ Diversified retail business by venturing into the gifting segments ▪ Drive-through pawnshop services in Malaysia enhance convenience, security and privacy for customers Step 1: PARK Step 2: PAWN Step 3: CASH Mo
Slide 20: Recent Key Corporate Updates
Recent Key Corporate Updates Section 3 20 ## RESTRICTED ##
Slide 21: Corporate Developments
Corporate Developments Nov 2025 The Edge Singapore Centurion Club: Sep 2025 “Overall Sector Award”, Consumer ✓ 1 for 1 bonus shares issuance Cyclical Industry Nov 2025 Acquired CChaw Holdings Sdn. Bhd. Oct 2025 which operates 5 pawnshops in ✓ Establishment of S$500 million Malaysia Multicurrency Med
Slide 22: Stores Count
Stores Expansion / M&A +8 +2 +7 + 10 Stores Count + 11 105 113 115 88 98 77 31 Dec 2021 31 Dec 2022 31 Dec 2023 31 Dec 2024 31 Dec 2025 2026 Year-to-date Recent Acquisitions – Expanding Network Jan ✓ 15 drive-thru 2024 Business Acquisition: Ban Hin pawnshop (Singapore) pawnbroking outlets 22 Nov 202
Slide 23: 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 24: Thank You
Thank You https://moneymax.com.sg/ ir@moneymax.com.sg For enquiries, please contact: ## RESTRICTED ## August Consulting: Janice Ong, janiceong@august.com.sg | Dave Tan, davetan@august.com.sg
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