Aspial Lifestyle (5UF) Share Price & Analysis

5UF Stock Chart & Stats

SGD 0.30-SGD 0.01(-1.67%)

At close: Nov 02 3:15 PM GMT+8

Day’s Range: SGD 0.29 - SGD 0.30
52-Week Range: SGD 0.19 - SGD 0.47
Previous Close: SGD 0.30
Volume: N/A
Average Volume (3M): 1.24M
Market Cap: SGD 620.15M
Enterprise Value: SGD 1.54B
Total Cash (Recent Filing): SGD 82.64M
Total Debt (Recent Filing): SGD 936.43M
Price to Earnings (P/E): 0.1
Beta: 0.48
Next Earnings: Feb 19, 2027 (Est.)
EPS Estimate: 0.03
Last Dividend Ex-Date: Aug 18, 2026
Dividend Yield: 5.66%

Bulls Say, Bears Say

Bulls Say

Revenue And Earnings Growth

Strong expansion in revenue and net income indicates that the secured-lending platform has recently increased its earnings scale. The improved margin provides greater internal capacity to support operations and reinvestment, although sustaining this progress will depend on maintaining profitable growth.

Secured Lending Model

Collateral-backed, short-duration lending gives the company a clearly defined financial-services model with interest, fee, and related branch income opportunities. A repeatable outlet network and secured structure can support customer reach and recurring activity across lending cycles.

Growing Equity And Returns

A larger equity base strengthens the company’s capital foundation relative to earlier periods, while the high reported return on equity shows that management is generating substantial earnings from shareholder capital. This combination supports continued operating scale if leverage remains manageable.

Bears Say

Heavy And Rising Leverage

The sharp increase in debt and very high debt-to-equity ratio leave the company more exposed to funding conditions and any deterioration in earnings. Elevated leverage can constrain financial flexibility, increase financing pressure, and make future growth more dependent on continued access to external capital.

Weak Cash Conversion

Persistently negative recent operating and free cash flow indicate that reported earnings are not consistently converting into cash. That weak conversion reduces internally generated funding for operations and investment, while the combination with high debt increases reliance on external financing.

Operating Profitability Volatility

Lower operating margin in the latest period suggests that incremental revenue is not translating into operating profit as efficiently as before. If this volatility persists, it could limit the durability of earnings growth and weaken the company’s ability to absorb higher funding or operating costs.

Aspial Lifestyle News

Aspial Lifestyle Cancels S$10.25 Million of Medium-Term Notes After Repurchase

Aspial Lifestyle ( ($SG:5UF) ) has shared an update. Aspial Lifestyle Limited has cancelled S$1 million in principal amount of its 6.25% notes due 2027 (Series 004) and S$9.25 million

1w ago5MX 5UF

Aspial Lifestyle Ends Note Buy-Back After Modest Repurchase

Aspial Lifestyle ( ($SG:5UF) ) has provided an announcement. Aspial Lifestyle Limited has completed its previously announced repurchase exercise for its Series 004 and Series 005 notes, confirming that the

2w ago5MX 5UF

Aspial Lifestyle Raises S$75m via 5% Notes Due 2031

An update from Aspial Lifestyle ( ($SG:5UF) ) is now available. Aspial Lifestyle Limited has issued S$75 million of 5.00 per cent notes due 2031 under its S$500 million multicurrency

3w ago5MX 5UF

Aspial Lifestyle launches discretionary buy-back of medium term notes at a premium

Aspial Lifestyle ( ($SG:5UF) ) has provided an announcement. Aspial Lifestyle Limited has launched a targeted buy-back of its outstanding notes under its S$500 million multicurrency medium term note programme,

4w ago5MX 5UF

Aspial Lifestyle Prices S$75 Million Ba1-Rated Notes for Refinancing and Growth

Aspial Lifestyle ( ($SG:5UF) ) has issued an update. Aspial Lifestyle Limited has priced a S$75 million tranche of 5.00 per cent. senior unsecured notes due 2031 under its S$500

1M ago5MX 5UF

Aspial Lifestyle Strengthens Integrated Pawnbroking, Jewellery and Lending Platform

Aspial Lifestyle ( ($SG:5UF) ) has shared an update. Aspial Lifestyle is positioning itself as a leader in the integrated pawnbroking, jewellery and secured-lending space, leveraging a network of 118

1M ago5MX 5UF

Aspial Lifestyle Upsizes Note Programme to S$500 Million for Growth and Refinancing

Aspial Lifestyle ( ($SG:5UF) ) has provided an announcement. Aspial Lifestyle Limited has updated and upsized its multicurrency medium term note programme, raising the ceiling from S$300 million to S$500

1M ago5MX 5UF

Moody’s grants Aspial Lifestyle Ba1 rating on strengthened capital and stable pawnbroking franchise

Aspial Lifestyle ( ($SG:5UF) ) has provided an announcement. Moody’s has assigned Aspial Lifestyle a first-time Ba1 long-term issuer rating with a stable outlook, citing the group’s established pawnbroking and

1M ago5MX 5UF

Moody’s assigns Ba1 rating with stable outlook to Aspial Lifestyle

The latest update is out from Aspial Lifestyle ( ($SG:5UF) ). Moody’s has assigned Ba1 long-term foreign and local currency issuer ratings with a stable outlook to Aspial Lifestyle, citing

1M ago5MX 5UF

Aspial Lifestyle Posts Record 1H2026 Revenue and Boosts Dividend on Strong Growth

Maxi-Cash Financial Services Corp. Ltd. ( ($SG:5UF) ) has issued an announcement. Aspial Lifestyle Limited, a diversified consumer lifestyle group focused on jewellery retail, pawnbroking and secured lending, operates 118

2M ago5MX 5UF

5UF FAQ

What was Aspial Lifestyle’s price range in the past 12 months?

Aspial Lifestyle lowest share price was S$0.19 and its highest was S$0.47 in the past 12 months.

What is Aspial Lifestyle’s market cap?

Aspial Lifestyle’s market cap is S$620.15M.

When is Aspial Lifestyle’s upcoming earnings report date?

Aspial Lifestyle’s next earnings report is estimated for Feb 19, 2027 (not yet confirmed), which is in 108 days.

How were Aspial Lifestyle’s earnings last quarter?

Aspial Lifestyle released its earnings results on Aug 07, 2026. The company reported S$0.023 earnings per share for the quarter.

Is Aspial Lifestyle overvalued?

Not enough analysts have published a price target to calculate whether the price is overvalued.

Does Aspial Lifestyle pay dividends?

Aspial Lifestyle pays a Notavailable dividend of S$0.009 which represents an annual dividend yield of 5.66%. See more information on Aspial Lifestyle dividends here

What is Aspial Lifestyle’s EPS estimate?

Aspial Lifestyle’s EPS estimate is 0.03.

How many shares outstanding does Aspial Lifestyle have?

Aspial Lifestyle has 2,067,268,800 shares outstanding.

What happened to Aspial Lifestyle’s price movement after its last earnings report?

Aspial Lifestyle reported an EPS of S$0.023 in its last earnings report. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of Aspial Lifestyle?

Currently, no hedge funds are holding shares in SG:5UF

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description