Aspial Lifestyle    Last:0.36    -0.015

Aspial Lifestyle

Wrong info.you forgot valuemax interim dividend of 1.2 cents. So total of 3.88 cents.

 

	current price	dps	dy
valuemax	121	2.68	2.39
moneymax	87	2.00	2.30
aspial	36.5	1.20	3.29
From the above, its clear that Aspial Lifestyle has the highest dividend yield

 

Yup. Among the peers. Aspial is the best performer.
Vested.

josephyeo      ( Date: 28-Feb-2026 09:10) Posted:   cur eps pe valuemax 121.0 10.86 11.14 moneymax 87.0 8.10 10.73 aspial 36.5 4.36 8.37 Aspial has the lowest p/e. See above

 

	cur	eps	pe
valuemax	121.0	10.86	11.14
moneymax	87.0	8.10	10.73
aspial	36.5	4.36	8.37

Aspial has the lowest p/e. See above

 

From MS-copilot

 

FY2025 Results Snapshot

Company	Revenue (FY2025)	Net Profit After Tax (FY2025)	Equity Base (approx.)	ROE (FY2025)
ValueMax	S$553.1M	S$103.6M	~S$1.02B (shareholders&rsquo equity)	~10.0% (derived)
MoneyMax	S$541.9M	S$71.7M	~S$0.65B (shareholders&rsquo equity)	~11.0% (derived)
Aspial Lifestyle	S$830.1M	S$84.4M	~S$0.78B (shareholders&rsquo equity)	~10.8% (derived)

---

Key Notes

• ValueMax: Profit attributable to owners was S$102.1M, translating to EPS of 11.16 cents. With equity around S$1.02B, ROE is ~10%.
• MoneyMax: Net profit attributable to owners hit S$71.7M. With equity estimated at ~S$650M, ROE is ~11%.
• Aspial Lifestyle: Net profit surged 142% to S$84.4M. With equity ~S$780M, ROE is ~10.8%.

---

Interpretation

• All three firms are clustered around 10&ndash 11% ROE, which is solid for pawnbroking and retail finance businesses.
• MoneyMax edges slightly higher, reflecting stronger margin expansion and efficiency gains.
• Aspial Lifestyle shows the sharpest year-on-year profit growth (+142%), but its ROE is still in line with peers due to a larger equity base.
• ValueMax remains the largest by profit scale, crossing S$100M net profit for the first time.

---

 

MrBear12      ( Date: 27-Feb-2026 13:41) Posted: we shld look at return on equity as a better gauge. not just revenues. josephyeo      ( Date: 27-Feb-2026 13:17) Posted:   Revenue X1000 valuemax 553130 moneymax 541943 aspial 830083 Aspial Lifestyle has the highest level of revenue compare against the other 2 companies.

 

 

Very positive comments from management. See below:
1) retail segment is expected to remain resilient
2) pawnbroking segment is expected to maintain its growth trajectory
3) Malaysia operations, spanning both retail and pawnbroking activities
are expected to continue performing well
4) BigFundr, the Group&rsquo s secured lending platform is expected to contribute
further growth in FY2026
The Group enters FY2026 with strong operating momentum and barring
any unforeseen adverse developments, expects business conditions in
1H2026 to deliver a substantially stronger performance compared to 1H2025.

 

we shld look at return on equity as a better gauge. not just revenues.

josephyeo      ( Date: 27-Feb-2026 13:17) Posted:   Revenue X1000 valuemax 553130 moneymax 541943 aspial 830083 Aspial Lifestyle has the highest level of revenue compare against the other 2 companies.

 

Revenue X1000 valuemax 553130 moneymax 541943 aspial 830083 Aspial Lifestyle has the highest level of revenue compare against the other 2 companies.

 

Some basic figures on Aspial Lifestyle:

1)  revenue - S$830 millions
2)  profits - S$84 millions
3)  P/E - 7.9 X
4)  dividend yield - 3.33%

Management commented that the company may deliver a
substantially stronger performance in  1H' 26

 

Management comments:

 

The Group enters FY2026 with strong operating momentum and barring any unforeseen adverse developments, expects business conditions in 1H2026 to deliver a substantially stronger performance compared to 1H2025.

 

Aspial Lifestyle FY2025 net profit after tax jumped 142% y-o-y to $84.4 mil

 

2026 1H expected to be even better. PE of about 10 to 15 about right prospects good

wehuattogether88      ( Date: 26-Feb-2026 06:59) Posted: Aspial still has a very low PE, funds and institutional houses might upgrade it soon.

 

Aspial still has a very low PE, funds and institutional houses might upgrade it soon.

 

Dividend declared - S$0.008

Ex date - 04 March ' 26

Pay date - 12 March ' 26

 

Best perfomer amongst the pawnbroking and jewelry peers!
Well done!!!

JurongW      ( Date: 25-Feb-2026 18:49) Posted: Aspial Lifestyle Limited FY2025 profit after tax soars 142% YoY to a record S$84 million  2H2025 profit after tax increased 172% year-on-year from 2H2024 FY2025 revenue up 41% year-on-year to S$830.1 million, driven by retail growth, higher pawnbroking interest income, and stronger secured lending revenue FY2025 profit after tax more than doubled year-on-year to S$84.4 million on retail margin expansion, improved operating expense effectiveness and lower interest costs In line with the exceptional performance, the Group has doubled 2H2025 dividend from 0.4 Singapore cents in 1H2025 to 0.8 Singapore cents per ordinary share to bring total dividend to 1.2 Singapore cents per ordinary share for FY2025, a 50% increase from FY2024&rsquo s 0.8 Singapore cents per ordinary share Barring unforeseen circumstances, the Group enters FY2026 with strong operating momentum and expects business conditions in 1H2026 to deliver a substantially stronger performance Details below: https://links.sgx.com/1.0.0/corporate-announcements/TYTJD542Y775O8TZ/875894_Media%20Release_Aspial%20Lifestyle%20Limited.pdf

 

Aspial Lifestyle Limited FY2025 profit after tax soars 142% YoY to a record S$84 million 

2H2025 profit after tax increased 172% year-on-year from 2H2024

FY2025 revenue up 41% year-on-year to S$830.1 million, driven by retail growth, higher pawnbroking interest income, and stronger secured lending revenue

FY2025 profit after tax more than doubled year-on-year to S$84.4 million on retail margin expansion, improved operating expense effectiveness and lower interest costs

In line with the exceptional performance, the Group has doubled 2H2025 dividend from 0.4 Singapore cents in 1H2025 to 0.8 Singapore cents per ordinary share to bring total dividend to 1.2 Singapore cents per ordinary share for FY2025, a 50% increase from FY2024&rsquo s 0.8 Singapore cents per ordinary share

Barring unforeseen circumstances, the Group enters FY2026 with strong operating momentum and expects business conditions in 1H2026 to deliver a substantially stronger performance

Details below:
https://links.sgx.com/1.0.0/corporate-announcements/TYTJD542Y775O8TZ/875894_Media%20Release_Aspial%20Lifestyle%20Limited.pdf

 

congrats to those who believed that gold will prevail. it has and will continue to do so until our streets are lined with gold as in heaven Looking forward to the Street of gold and the place of no tears 🐻

 

Upgrade coming.
Gold price continue to climb.
Business getting better and better.

Meatime, holding and target above $0.43.
Cheers!

wehuattogether88      ( Date: 25-Feb-2026 16:47) Posted: Might be time for an upgrade for Aspial

 

Might be time for an upgrade for Aspial

 

gold price surging,
dividend doubled,
trading below PE10
in a good case scenario could go beyond 43c

muifan      ( Date: 25-Feb-2026 09:41) Posted: base on 10PE at least 43c  josephyeo      ( Date: 25-Feb-2026 09:33) Posted: On a p/e of 10, the stock is worth 45 cts