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Aspial Lifestyle (5UF) AI Stock Analysis
Aspial Lifestyle
(SGX:5UF)
The stock earns a mid-to-upper range score driven primarily by solid revenue and earnings growth combined with an appealing valuation, while overall financial quality is constrained by weak cash flow and elevated leverage; technicals are moderately supportive but not strongly trending.
Aspial Lifestyle (5UF) vs. iShares MSCI Singapore ETF (EWS)
- Market Cap
- SGD 620.15M
- Dividend Yield
- 5.66%
- Average Volume (3M)
- 1.07M
- Price to Earnings (P/E)
- 0.1
- Beta (1Y)
- 0.48
- Revenue Growth
- 31.78%
- EPS Growth
- 168.13%
- Country
- Singapore
- Employees
- 918
- Sector
- Consumer Cyclical
- Sector Strength
- 61
- Industry
- Luxury Goods
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, inc...
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; and...
Aspial Lifestyle Financial Statement Overview
Summary
Solid revenue and earnings growth with healthy margins support a mid-range score, but very weak cash generation and high leverage significantly undermine the overall financial profile.
Income Statement
72PositiveBalance Sheet
44NeutralCash Flow
28Negative| 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
Price Trends
Market Momentum
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 0.30 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 36.66 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 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
Overall Rating
SG:AGS73Outperform- SG:5UF65Neutral
SG:A3059Neutral
SG:T6I57Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SG:AGS | 73Outperform | SGD 1.66B | 9.21 | 17.57% | 2.33% | 15.08% | 32.76% |
| SG:5UF | 65Neutral | SGD 620.15M | 0.11 | 28.93% | 5.66% | 31.78% | 168.13% |
| Sector * | 61Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% |
| SG:A30 | 59Neutral | SGD 352.73M | 11.23 | 7.71% | 3.87% | 22.58% | 54.44% |
| SG:T6I | 57Neutral | SGD 800.57M | 6.85 | 18.66% | 4.80% | 32.49% | 15.58% |
* Consumer Cyclical Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| SG:5UF | Aspial Lifestyle Ltd | 0.30 | 0.10 | 47.06% | |
| SG:5WJ | MoneyMax Financial Services Ltd. | 0.45 | 0.14 | 46.58% | |
| SG:A30 | Aspial Corporation Limited | 0.15 | 0.05 | 47.62% | |
| SG:AGS | Hour Glass Ltd. | 2.58 | 0.56 | 27.66% | |
| SG:C41 | Cortina Holdings Limited | 4.08 | 0.81 | 24.77% | |
| SG:T6I | ValueMax Group Ltd. | 0.84 | -0.08 | -8.94% |
Aspial Lifestyle Corporate Events
Aspial Lifestyle Cancels S$10.25 Million of Medium-Term Notes After Repurchase
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. Aft...
Aspial Lifestyle Ends Note Buy-Back After Modest Repurchase
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 company&...
Aspial Lifestyle Raises S$75m via 5% Notes Due 2031
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 as s...
Aspial Lifestyle launches discretionary buy-back of medium term notes at a premium
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$15...
Aspial Lifestyle Prices S$75 Million Ba1-Rated Notes for Refinancing and Growth
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 advi...
Aspial Lifestyle Strengthens Integrated Pawnbroking, Jewellery and Lending Platform
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 ta...
Aspial Lifestyle Upsizes Note Programme to S$500 Million for Growth and Refinancing
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 offered...
Moody’s grants Aspial Lifestyle Ba1 rating on strengthened capital and stable pawnbroking franchise
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 that A...
Moody’s assigns Ba1 rating with stable outlook to Aspial Lifestyle
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. The...
Aspial Lifestyle Posts Record 1H2026 Revenue and Boosts Dividend on Strong Growth
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 internati...
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.
Date of analysis: Aug 17, 2026