MoneyMax Financial Services Ltd.: Profit Guidance for FY2025

MoneyMax Financial Services Ltd. has released a profit guidance announcement for the six-month financial period (2H) and full year (FY) ended 31 December 2025. The company has provided preliminary insights into its earnings performance, highlighting key developments that will interest investors and market watchers.

Key Financial Highlights and Trends

Based on a preliminary review of unaudited consolidated financial results, MoneyMax expects a significant improvement in profit net of tax for 2H2025 and FY2025 compared to the same periods in the previous year. This strong performance is primarily attributed to:

• Pawnbroking Segment: Higher interest income driven by increased lending activity.
• Retail and Trading of Gold & Luxury Items: Higher gold prices and increased sales volume have boosted revenue and margins.

Year-over-Year and Quarter-over-Quarter Comparisons

While exact financial metrics (such as revenue, net profit, or EPS figures) are not disclosed in this announcement, the company explicitly states that both year-over-year (YoY) and quarter-over-quarter (QoQ) profitability have improved substantially. The following table summarizes the qualitative guidance provided:

Chairman’s Statement

The company included the following statement from its Executive Chairman and CEO, Dato’ Sri Dr. Lim Yong Guan:

“The Board wishes to advise shareholders and potential investors to exercise caution when dealing in the shares of the Company. Shareholders and potential investors should consult their stockbrokers, bank managers, solicitors or other professional advisers if they have any doubt about the investment decision in shares of the Company.”

The tone of this statement is cautious and prudent. Despite positive guidance, management urges investors not to act solely based on preliminary results and to seek professional advice where necessary.

Events and Factors Affecting Performance

• Macroeconomic Factors: Higher gold prices have contributed positively to the company’s retail and trading segment.
• Operational Performance: Stronger sales volumes and increased interest income from pawnbroking are the main operational drivers.
• No Specific Risks or Extraordinary Items: The report does not mention any one-off items, asset revaluations, or extraordinary gains/losses.
• No Dividend Guidance: There is no mention of proposed dividends or changes to the dividend policy in this announcement.

Outlook and Guidance

MoneyMax will finalize and release its unaudited consolidated financial results for 2H2025 and FY2025 on or before 1 March 2026. As these results are still being reviewed, guidance remains preliminary. Management reiterates that investors should exercise caution until audited figures are disclosed.

Conclusion & Investment Recommendations

Overall Assessment: The company’s financial performance and outlook appear strong, with clear, positive momentum in both profit and operational drivers. The main sources of this outperformance are higher gold prices boosting retail/trading, and increased interest income from the pawnbroking business.

• If You Are Currently Holding the Stock: Consider maintaining your position, as the business is experiencing a significant profit uplift. However, remain attentive to the final audited results and any further updates from management before making additional investment decisions.
• If You Are Not Currently Holding the Stock: It may be prudent to wait for the release of the full unaudited (and later, audited) financial results to confirm the sustainability of this improvement and to assess any new risks before initiating a position.

Disclaimer: This analysis is based solely on the company’s preliminary profit guidance announcement. It does not constitute investment advice. Investors should consult their own professional advisors and consider their individual risk tolerance before making any investment decisions.

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