Moneymax Financial Services Ltd. · SGX:5WJ
Moneymax Financial Services — H1 2026 Earnings Presentation
18 slides from Moneymax Financial Services's earnings presentation, Aug 11, 2026
Slide 1: 1H-2026 Results Presentation
1H-2026 RESULTS PRESENTATION 11 August 2026 ## RESTRICTED ##
Slide 2: Contents and Disclaimer
1. Financial Highlights 2. Operational Overview CONTENTS 3. Recent Key Corporate Updates Disclaimer The following presentation contains forward-looking statements relating to the future financial performance, business prospects and strategic plans of MoneyMax Financial Services Ltd. (the “Company”).
Slide 3: Financial Highlights
Financial Highlights Section 1 3 ## RESTRICTED ##
Slide 4: 1H-2026 Financial highlights
1H-2026 Financial highlights Revenue (S$’m) Profit Before Income Tax (S$’m) 1H 2H 541.9 1H 2H 95.8 390.1 298.9 ▲73.2% 285.7 ▲34.1% 52.6 55.7 253.5 204.9 156.2 29.7 32.0 118.0 30.0 69.5 325.7 243.0 12.6 18.2 40.1 185.2 135.5 129.5 17.1 22.6 13.8 FY2022 FY2023 FY2024 FY2025 1H-2026 FY2022 FY2023 FY202
Slide 5: Strong Revenue & Profit Growth by Business Segment
Strong Revenue & Profit Growth by Business Segment Revenue by Business Segment Profit Before Tax by Business Segment (S$’m) (S$’m) 541.9 95.8 6.7 24.3 69.5 390.1 50.9 ▲73.2% 2.9 28.6 325.7 52.6 285.7 ▲34.1% 11.2 10.2 31.7 420.1 253.5 243.0 40.1 25.1 17.2 32.0 3.4 11.9 29.7 24.7 294.5 245.0 7.9 10.1
Slide 6: Strong Revenue & Profit Growth by Geographical Segment
Strong Revenue & Profit Growth by Geographical Segment Revenue by Geographical Segment Profit Before Tax by Geographical Segment (S$’m) (S$’m) 46.0 +4.6 41.4 +11.1% 12.7 21.4 +8.7 1H-2025 +68.5% 1H-2026 1H-2025 1H-2026 40.1 48.1 69.5 243.0 325.7 +29.4 /+73.2% +20.7 +82.7 /+34.1% 27.4 +75.5% 279.7 +7
Slide 7: Key Balance Sheet Items
Key Balance Sheet Items As at As at S$’m Key Highlights (S$’m) % Change Notes 30 June 2026 31 Dec 2025 Change Total Assets 1,482 1,235 247 20.0 Inventories 148 135 13 9.6 Trade and Other Receivables 1,230 1,011 219 21.7 N1 Cash and Cash Equivalents 34 28 6 21.4 Total Liabilities 1,113 963 150 15.6 T
Slide 8: Trade receivables (S$'m)
Trade receivables (S$’m) Pawnbroking Pawnbroking Pawnbroking FY2025 vs FY2024 1H-2026 vs FY2025 1H-2026 growth vs FY2025 growth +266.6 (+55.9%) +195.6 (+26.3%) 73.3% (S$m) 1300 1,208.0 +20.1% 1200 1100 1,006.1 268.7 +34.1% 1000 900 262.4 750.3 800 +25.7% 939.3 700 597.0 +195.6 +27.7% 273.2 +26.3% 60
Slide 9: Cash Flows Summary
Cash Flows Summary S$'m % Key Highlights (S$’m) 1H-2026 1H-2025 Notes Change Change Net cash used in operating activities (154) (29) 125 431.0 N1 Net cash used in investing activities (2) (1) 1 100.0 Net cash provided by financing activities 165 29 136 469.0 N1 Net increase / (decrease) in cash & ca
Slide 10: Key Financial Ratios
Key Financial Ratios Profitability Ratios 1H-2026 1H-2025 Notes Net Margin 17.0% 13.1% Interest Coverage Ratio 4.49x 3.39x Return on Equity 17.5% 15.2% Earnings per share ("EPS") (cents) 5.81 3.35 N1 As at As at Financial Position Ratios Notes 30 June 2026 31 December 2025 Inventory Turnover (days)
Slide 11: Consistent Dividend Payment
Consistent Dividend Payment No formal dividend policy but consistent dividend payment since listing S$’ cents FY2025 Dividend Payout Ratio = 26.2% 2.5 Sep 2025: 1 for 1 bonus shares issuance 2 0.50 1.5 Oct 2021: 4 for 1 bonus shares issuance 1 0.50 1.50 1.40 1.18 0.5 0.95 1.00 1.00 0.50 0.50 0.50 0.
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: Rapid Stores Expansion
Rapid Stores Expansion Average New Store Count New Store Count as at Drive-Thru Store Expected New Store Count per year (2022 to 2025) 10 August 2026 Count for 2026 +9 +26 20 >35 139 (+26) 113 105 (+8) 98 (+7) 88 (+10) 100 (+11) 77 14 0 31 Dec 2021 31 Dec 2022 31 Dec 2023 31 Dec 2024 31 Dec 2025 10
Slide 15: Key Corporate Updates
Key Corporate Updates Section 3 15 ## RESTRICTED ##
Slide 16: 1H-2026 Corporate Developments
1H-2026 Corporate Developments April May ✓ Successfully completed Placement of up to 53m New Shares at Placement Price of ✓ Issued S$30m 5.00% 3-Year Medium S$0.835 each, at an aggregate Term Note (Series 001 Tranche 003) consideration of up to S$44.3m. Received strong investors interest, fully subs
Slide 17: 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 and Diversified Revenue innovating through Streams refreshed and Diversification into modernised stor
Slide 18: 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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