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josephyeo Elite	07-Jul-2025 00:24        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Expect a good set of results for 1st half 2025. Results likely to be announced in Aug.                         4 continuous years of growth                                   yearly FY' 21 FY' 22 FY' 23 FY' 24         revenue 225,703 319,008 471,581 587559         np 14,446 15,984 19,191 34326                           8 continuous half year growth                                 half yearly 1H' 21 2H' 21 1H' 22 2H' 22 1H' 23 2H' 23 1H' 24 2H' 24 revenue 111,632 114,071 141,217 177,791 228,816 242765 251,221 336,338 net profit 8,007 6,439 9,250 6,734 9,380 9811 14137 20189                                       2nd half 2024 was the company' s best in the 4 years with a revenue of S$336 mil and a profit of S$20.1 mil.     If this level of profit can be maintained, current year (2025) results will be the company' s best.      Am looking forward to the 1st half year results which will be likely to be announced in Aug. If history is any guide   the company is likely to declare a dividend too as in previous years.                           Above is for sharing only. Pls dyodd!
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josephyeo Elite	01-Jul-2025 20:51        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Real estate debt investment platform BigFundr has announced in an Aug 27 press release that the platform&rsquo s total loans under management (LUM) now stands at $160 million. BigFundr&rsquo s total LUM has roughly doubled every six months for the past year. According to the platform, its total LUM grew from $44.6 million as of July 2023 to $77.5 million as of January, before growing to $160 million as of this month. The platform says it is on track to cross $500 million in total LUM by 2026. BigFundr&rsquo s growth in total LUM was underpinned by its growth in customers. The number of investors on the platform surged from 1,100 as of end-2022 to 5,200 as of mid-2024. Launched in October 2021, BigFundr is the first fintech platform licensed by the Monetary Authority of Singapore (MAS) in Singapore to provide retail investors access to real estate debt investment opportunities starting from $1,000. As opposed to outright property acquisition, BigFundr crowdsources a line of credit to real estate developers and earns interest on the principal amount over a fixed period. Since the platform&rsquo s launch in 2021, it has funded over $275 million in development loans and claims a 0% default rate. &ldquo Our remarkable growth over the past three years is a testament to the strong partnership between Maxi-Cash and BigFundr. We share common values in our desire to be the go-to investment platform for retail customers,&rdquo says Quah Kay Beng, CEO of BigFundr. Maxi-Cash Capital Management (MCCM) currently owns a 70% stake in BigFundr and offers safeguards for both principal and interest in the platform&rsquo s real estate debt investments. MCCM is a wholly owned subsidiary of investment holding company Aspial Lifestyle, which is a unit of Aspial Corp. In February, MCCM upped its shareholding in BigFundr from an initial 15% to the current 70% stake. &ldquo What started as a model to democratise real estate debt investment to the retail market has now proven to be a viable and practical investment opportunity that&rsquo s highly accessible and scalable,&rdquo says Meelan Gurung, senior director of corporate finance and investments at Aspial Corp. &ldquo With Aspial&rsquo s strategic support, we look forward to growing BigFundr both in size and scope.&rdquo josephyeo      ( Date: 24-Jun-2025 08:53) Posted: Company has been actively promoting bigfundr. josephyeo      ( Date: 26-May-2025 10:49) Posted:
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josephyeo Elite	26-Jun-2025 08:16        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Yesterday closing. Aspial Lifestyle closed at 0.127 Moneymax finance closed at 0.535 ValueMax closed at 0.61 It seems that Aspial is the laggard. I am vested n i could be bias. Pls dyodd.
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josephyeo Elite	24-Jun-2025 17:42        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Aspial Lifestyle closed at 0.125 - up 0.004 Moneymax finance closed at 0.49 - up 0.015 ValueMax closed at 0.605 - unchange
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josephyeo Elite	24-Jun-2025 14:02        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Some interest today. Now trading 1.23 vs 12.4 up 0.2 cts on volume of 1.1mil
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josephyeo Elite	24-Jun-2025 08:53        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Company has been actively promoting bigfundr. josephyeo      ( Date: 26-May-2025 10:49) Posted:
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bechaotic Member	19-Jun-2025 10:39        bechaotic About Contact  Quote this Post!
x 0   x 0  Alert Admin	The big question is why Mr Market never take this counter seriously?  If so under-valued, is there something which Mr Market knows and we didn' t know?
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josephyeo Elite	19-Jun-2025 08:53        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	RHB: MoneyMax strong proxy to gold price uptrend In the same light, Aspial Lifestyle is likely to benefit from higher gold price. Above is just my view. Pls dyodd!
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josephyeo Elite	18-Jun-2025 16:49        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Some interest today. Now trading at 12.1 / 12.2
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josephyeo Elite	17-Jun-2025 07:05        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Aspial Lifestyle   Valuemax   MoneyMax                p/e   6.49   6.10   5.55               share price   12   58   48               div per share   0.0078   0.0268   0.0140               divided yield   6.5   4.6   2.91               revenue (X1000)   587559   456178   390068               net profit (X1000) 34326   82832   38216               debt (X1000)   631149   687312   630932                             Ranking                           P/E Moneymax is the lowest at 5.5 X                       Dividend yield Aspial is the highest at 6.5%                     Revenue, Aspial highest at $587 mil                       Net profit Valuamax is the highest at $82.8 mil                   Debt, Valuemax highest at $687 mil         I think Aspial should be able to improve its margin n thereby it' s profit as expenses for acquisition n consolidation are already are accounted for. Company likely to report an interesting set of results in Aug. Above is just my views and i could be wrong. Pls dyodd!
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josephyeo Elite	14-Jun-2025 09:22        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Just received dividends of $7,637 for 2,020,000 shares. Look forward to another declaration of dividends in Aug. Last year same period, the dividends declared was 0.4 cts.
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josephyeo Elite	11-Jun-2025 14:11        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Next reporting season is in August. Can expect a better set of results and a declared dividend of 0.4 cts. I am looking forward to it.
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n3wbie Elite	11-Jun-2025 09:50        n3wbie About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	I think it may be quite different for pawnbroking vs traditional gold jewellers such as Chow Tai Fook, Laopu, Chow Sang Sang and Luk Fook which are all listed in HK as they are also responsible for the sourcing, handcrafting so across the supply chain. josephyeo      ( Date: 11-Jun-2025 09:47) Posted: Thank you for your inputs. I am not familiar w hedging n its implications, therefore i am not able to comment. However when i was reading a report by Value Max, it seems that higher gold price is good for them, especially the pawnbroking sector. Anyway, i may have interprete wrongly.
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josephyeo Elite	11-Jun-2025 09:47        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Thank you for your inputs. I am not familiar w hedging n its implications, therefore i am not able to comment. However when i was reading a report by Value Max, it seems that higher gold price is good for them, especially the pawnbroking sector. Anyway, i may have interprete wrongly.
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n3wbie Elite	11-Jun-2025 08:12        n3wbie About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	The key point for the gold jewellers is to understand their hedging exposure, if any, to gold prices. This has seen some of the HK peers for e.g having to take substantial hits on hedging losses despite the record high gold prices. Players such as Laopu who don' t hedge then enjoy the full upswing and pass through to customers. josephyeo      ( Date: 11-Jun-2025 01:00) Posted: I guess the high borrowing is a characteristic of the business.  All 3 companies have debt of $600 plus millions. It reminds me of Centurion, which has a debt of S$623 million though the revenue is only S$253 millions. n3wbie      ( Date: 10-Jun-2025 23:14) Posted: Thanks for sharing, the gearing is pretty scary though despite the cheap valuations
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josephyeo Elite	11-Jun-2025 01:00        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	I guess the high borrowing is a characteristic of the business.  All 3 companies have debt of $600 plus millions. It reminds me of Centurion, which has a debt of S$623 million though the revenue is only S$253 millions. n3wbie      ( Date: 10-Jun-2025 23:14) Posted: Thanks for sharing, the gearing is pretty scary though despite the cheap valuations. josephyeo      ( Date: 10-Jun-2025 19:03) Posted: In terms of p/e Aspial is the highest. See below:       Aspial Lifestyle   Valuemax   MoneyMax                p/e   6.70   5.94   5.26               div per share   0.0078   0.0268   0.014               divided yield   6.50   5.10   3.11               revenue (X1000)   587559   456178   390068               net profit (X1000) 34326   82832   38216               price   12.4   56.5   45.5               debt (X1000)   631149   687312   630932                             Ranking                           P/E Moneymax is the lowest at 5.26X                       Dividend yield Aspial is the highest at 6.5%                     Revenue, Aspial highest at $587 mil                       Net profit Valuamax is the highest at $82.8 mil                   Debt, Valuemax highest at $687 mil     I believe he profit will improve quite substantially ... so will the p/e.
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n3wbie Elite	10-Jun-2025 23:14        n3wbie About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Thanks for sharing, the gearing is pretty scary though despite the cheap valuations. josephyeo      ( Date: 10-Jun-2025 19:03) Posted: In terms of p/e Aspial is the highest. See below:       Aspial Lifestyle   Valuemax   MoneyMax                p/e   6.70   5.94   5.26               div per share   0.0078   0.0268   0.014               divided yield   6.50   5.10   3.11               revenue (X1000)   587559   456178   390068               net profit (X1000) 34326   82832   38216               price   12.4   56.5   45.5               debt (X1000)   631149   687312   630932                             Ranking                           P/E Moneymax is the lowest at 5.26X                       Dividend yield Aspial is the highest at 6.5%                     Revenue, Aspial highest at $587 mil                       Net profit Valuamax is the highest at $82.8 mil                   Debt, Valuemax highest at $687 mil     I believe he profit will improve quite substantially ... so will the p/e.
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josephyeo Elite	10-Jun-2025 19:03        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	In terms of p/e Aspial is the highest. See below:       Aspial Lifestyle   Valuemax   MoneyMax                p/e   6.70   5.94   5.26               div per share   0.0078   0.0268   0.014               divided yield   6.50   5.10   3.11               revenue (X1000)   587559   456178   390068               net profit (X1000) 34326   82832   38216               price   12.4   56.5   45.5               debt (X1000)   631149   687312   630932                             Ranking                           P/E Moneymax is the lowest at 5.26X                       Dividend yield Aspial is the highest at 6.5%                     Revenue, Aspial highest at $587 mil                       Net profit Valuamax is the highest at $82.8 mil                   Debt, Valuemax highest at $687 mil     I believe he profit will improve quite substantially ... so will the p/e.
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bechaotic Member	10-Jun-2025 11:53        bechaotic About Contact  Quote this Post!
x 0   x 0  Alert Admin	Can know why is it that the other pawnshop counters (Moneymax & Valuemax) share prices have shot up so much but this Aspial still languishing?
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josephyeo Elite	10-Jun-2025 00:15        josephyeo About Contact  Quote this Post! Style: Fundamental
x 0   x 0  Alert Admin	Total dividends collected in 26 months (from 20 Apr 2023 to 13 June 2025) is 0.0196 or 1.96 cts. Against current price of 11.9 cts, the yield is - 16.4%. If I take the cost to include my dividends, my present cost per unit would be 11.9 - 1.96 = 9.94   Action Type Ex Date Record Date Payment Date Details           DIVIDEND 5/6/2025 6/6/2025 13/6/2025 SGD 0.0038           DIVIDEND 5/12/2024 6/12/2024 13/12/2024 SGD 0.004           DIVIDEND 6/5/2024 7/5/2024 17/5/2024 SGD 0.0038           DIVIDEND 3/10/2023 4/10/2023 22/11/2023 SGD 0.004           DIVIDEND 6/4/2023 10/4/2023 20/4/2023 SGD 0.004           Total dividend collected     0.0196
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