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Aspial Lifestyle
(SGX:5UF)
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Rating:59Neutral
Price Target:
S$0.31
▲(42.73% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by financial risk: strong revenue and earnings growth is meaningfully constrained by highly leveraged balance-sheet positioning and materially negative recent operating/free cash flow. Offsetting this, valuation is supportive (low P/E and ~4.25% yield), while technical indicators are broadly neutral with mildly positive momentum.
Positive Factors
Strong Revenue and Earnings Growth
The sharp expansion in revenue and net income indicates stronger business scale and customer activity. If sustained, this growth can improve operating leverage, support reinvestment in the outlet network, and strengthen the company’s earnings base over the next several quarters.
Negative Factors
High and Rising Leverage
The substantial increase in debt and elevated debt-to-equity ratio leave the company more sensitive to funding conditions and earnings weakness. High leverage can restrict financial flexibility, increase financing pressure, and make future growth more dependent on stable cash generation.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue and Earnings Growth
The sharp expansion in revenue and net income indicates stronger business scale and customer activity. If sustained, this growth can improve operating leverage, support reinvestment in the outlet network, and strengthen the company’s earnings base over the next several quarters.
Read all positive factors
Aspial Lifestyle (5UF) vs. iShares MSCI Singapore ETF (EWS)
Market Cap
S$620.15M
Dividend Yield5.66%
Average Volume (3M)1.27M
Price to Earnings (P/E)0.1
Beta (1Y)0.50
Revenue Growth31.78%
EPS Growth168.13%
CountrySG
Employees918
SectorConsumer Cyclical
Sector Strength84
IndustryLuxury Goods
Share Statistics
EPS (TTM)2.81
Shares Outstanding2,067,268,800
10 Day Avg. Volume1,700,890
30 Day Avg. Volume1,273,263
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)1.32
Price to Sales (P/S)0.48
P/FCF Ratio-9.19
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Aspial Lifestyle Business Overview & Revenue Model
Company Description
Aspial Lifestyle Limited, an investment holding company established in Singapore in 2008, is engaged in the retail and trade of jewelry and branded merchandise across Singapore and international markets. Its operations span several key divisions, ...
How the Company Makes Money
Maxi-Cash primarily makes money from (1) interest and fee income generated by providing secured, short-duration loans where customers pledge collateral (commonly via pawn/pledge-style lending) and repay principal plus interest over the loan term; ...
Aspial Lifestyle Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
46
Neutral
Cash Flow
28
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 927.07M | 830.08M | 587.56M | 471.58M | 319.01M | 225.70M |
| Gross Profit | 347.32M | 302.12M | 215.17M | 164.48M | 110.22M | 81.82M |
| EBITDA | 178.11M | 172.95M | 114.79M | 83.85M | 57.10M | 42.00M |
| Net Income | 105.19M | 80.72M | 34.33M | 19.19M | 15.98M | 14.45M |
Balance Sheet | ||||||
| Total Assets | 1.86B | 1.60B | 1.24B | 920.23M | 826.48M | 581.94M |
| Cash, Cash Equivalents and Short-Term Investments | 82.64M | 86.47M | 42.74M | 32.64M | 30.81M | 19.73M |
| Total Debt | 936.43M | 850.65M | 730.92M | 698.20M | 611.96M | 415.96M |
| Total Liabilities | 1.42B | 1.28B | 988.12M | 749.17M | 666.12M | 431.39M |
| Stockholders Equity | 426.12M | 301.02M | 240.36M | 165.88M | 159.19M | 149.43M |
Cash Flow | ||||||
| Free Cash Flow | -138.65M | -43.37M | -59.46M | 10.66M | -22.96M | -47.36M |
| Operating Cash Flow | -104.84M | -7.83M | -46.08M | 16.33M | -17.22M | -22.10M |
| Investing Cash Flow | -38.85M | -31.13M | -809.00K | -5.48M | -22.24M | -23.97M |
| Financing Cash Flow | 187.82M | 81.92M | 56.93M | -9.04M | 50.43M | 42.02M |
Aspial Lifestyle Technical Analysis
Negative
0.22
Price Trends
0.34
Negative
0.34
Negative
0.34
Negative
Market Momentum
-0.01
Negative
39.77
Neutral
61.90
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SG:5UF, the sentiment is Negative. The current price of 0.22 is below the 20-day moving average (MA) of 0.31, below the 50-day MA of 0.34, and below the 200-day MA of 0.34, indicating a bearish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 39.77 is Neutral, neither overbought nor oversold. The STOCH value of 61.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SG:5UF.
Aspial Lifestyle Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | S$1.64B | 9.07 | 17.57% | 2.36% | 15.08% | 32.76% | |
63 Neutral | S$819.51M | 7.01 | 18.66% | 4.69% | 32.49% | 15.58% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
59 Neutral | S$620.15M | 0.11 | 28.93% | 5.66% | 31.78% | 168.13% | |
59 Neutral | S$352.73M | 11.08 | 7.71% | 3.87% | 22.58% | 54.44% |
* Consumer Cyclical Sector Average
SG:5UF
Aspial Lifestyle
0.30
0.10
50.00%
SG:5WJ
MoneyMax Financial Services Ltd.
0.45
0.13
41.51%
SG:A30
Aspial Corporation Limited
0.16
0.05
50.49%
SG:AGS
Hour Glass Ltd.
2.54
0.49
23.90%
SG:C41
Cortina Holdings Limited
4.10
0.83
25.38%
SG:T6I
ValueMax Group Ltd.
0.87
-0.06
-6.28%
Aspial Lifestyle Corporate Events
Aspial Lifestyle Cancels S$10.25 Million of Medium-Term Notes After Repurchase
Oct 22, 2026
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 in principal amount of its 5.10% notes due 2029 (Series 005), following a previously announced repurchase exercise. ...
Aspial Lifestyle Ends Note Buy-Back After Modest Repurchase
Oct 16, 2026
Aspial Lifestyle Limited has completed its previously announced repurchase exercise for its Series 004 and Series 005 notes, confirming that the offer period has expired and no further notes will be bought back. The move modestly reduces the compa...
Aspial Lifestyle Raises S$75m via 5% Notes Due 2031
Oct 6, 2026
Aspial Lifestyle Limited has issued S$75 million of 5.00 per cent notes due 2031 under its S$500 million multicurrency medium term note programme, further tapping the Singapore debt market for long-term funding. The notes, arranged with DBS Bank a...
Aspial Lifestyle launches discretionary buy-back of medium term notes at a premium
Oct 6, 2026
Aspial Lifestyle Limited has launched a targeted buy-back of its outstanding notes under its S$500 million multicurrency medium term note programme, offering to repurchase up to S$10 million of 6.25 per cent. Series 004 notes due 2027 and up to S$...
Aspial Lifestyle Prices S$75 Million Ba1-Rated Notes for Refinancing and Growth
Sep 24, 2026
Aspial Lifestyle Limited has priced a S$75 million tranche of 5.00 per cent. senior unsecured notes due 2031 under its S$500 million multicurrency medium term note programme. The Series 006 Notes, arranged with DBS Bank as sole dealer and rating a...
Aspial Lifestyle Strengthens Integrated Pawnbroking, Jewellery and Lending Platform
Sep 23, 2026
Aspial Lifestyle is positioning itself as a leader in the integrated pawnbroking, jewellery and secured-lending space, leveraging a network of 118 stores across Singapore, Malaysia and international markets, alongside a digital investment platform...
Aspial Lifestyle Upsizes Note Programme to S$500 Million for Growth and Refinancing
Sep 21, 2026
Aspial Lifestyle Limited has updated and upsized its multicurrency medium term note programme, raising the ceiling from S$300 million to S$500 million to broaden its access to debt capital.The notes, arranged solely by DBS Bank Ltd., will be offer...
Moody’s grants Aspial Lifestyle Ba1 rating on strengthened capital and stable pawnbroking franchise
Sep 18, 2026
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 retail franchise, strong risk management and solid profitability. The agency noted tha...
Moody’s assigns Ba1 rating with stable outlook to Aspial Lifestyle
Sep 18, 2026
Moody’s has assigned Ba1 long-term foreign and local currency issuer ratings with a stable outlook to Aspial Lifestyle, citing the group’s established pawnbroking and retail franchises, strong risk management and robust profitability. ...
Aspial Lifestyle Posts Record 1H2026 Revenue and Boosts Dividend on Strong Growth
Aug 7, 2026
Aspial Lifestyle Limited, a diversified consumer lifestyle group focused on jewellery retail, pawnbroking and secured lending, operates 118 stores under brands including Maxi-Cash, Goldheart and Lee Hwa across Singapore, Malaysia and select intern...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.