MoneyMax Financial Services reported profit attributable to shareholders of S$71.7 million for the year ended Dec 31 2025, up 87.6 per cent year-on-year, bolstered by higher sales of gold and luxury items and a larger pawnbroking loan book.

Revenue rose 38.9 per cent to S$541.9 million, while basic earnings per share came in at 8.10 Singapore cents, compared with 4.32 cents a year earlier. The board is recommending a final dividend of 1.50 Singapore cents and a special dividend of 0.50 cent per share, both tax-exempt and payable in cash and/or scrip, versus a 1.40 cent final payout last year. Payment and record dates will be announced after shareholder approval at the upcoming AGM.

By segment, pre-tax contributions were led by retail and trading of gold and luxury items at S$50.9 million (FY2024: S$24.7 million), followed by pawnbroking at S$42.0 million (FY2024: S$22.1 million). Secured lending delivered S$6.7 million (FY2024: S$10.2 million), while other operations added S$19.3 million before group eliminations.

Material costs climbed 37.9 per cent to S$336.5 million, reflecting higher volumes and gold prices, and finance costs increased 8.9 per cent to S$33.8 million on larger borrowings. Employee expenses rose 26.9 per cent to S$44.3 million, in line with additional headcount for new stores.

The company noted that growth was driven by continued outlet expansion in Singapore and Malaysia, product innovation and brand-building initiatives, together with favourable gold price trends.

Looking ahead, management indicated it will focus on further network expansion, digital enhancements and product development, while monitoring macroeconomic conditions. MoneyMax has secured in-principle approval to migrate its listing from the Catalist board to the SGX Mainboard and will seek shareholder approval for the move, which it expects will support long-term growth and improve its capital-markets profile.

Barring unforeseen circumstances, the group expects to maintain profitability in the current year.