Aspial Lifestyle Limited is a consumer lifestyle group operating through three main retail brands: Maxi-Cash, Lee Hwa Jewellery, and Goldheart Jewelry. The company provides pawnbroking services via Maxi-Cash and sells gold and jewellery products through Lee Hwa and Goldheart. Its portfolio also includes the German jewellery brand Niessing, the crowdfunding platform BigFundr, and the tax advisory service Dr.Pajak. The group serves customers in Singapore and the broader Asian market, focusing on gold demand and flexible short-term financing solutions. Goldheart Jewelry has expanded its retail concept to include Italian jewellery in 999 gold.

Summarised from the company's own disclosures

Industry Specialty Retail Homepage aspiallifestyle.com
Sector Consumer Cyclical IR page aspiallifestyle.com/investor-relations
Tags
pawnbroking, gold jewellery, consumer finance, crowdfunding, tax advisory, Maxi-Cash, Lee Hwa Jewellery, Goldheart Jewelry, Niessing, BigFundr, Dr.Pajak
Press page —

Metrics

Valuation  
Market cap S$ 608.363M
P/E 5.32
P/BV 1.37
P/S 0.66
P/OCF -5.80
P/FCF —
Dividend yield —
Turnover / mcap —
Returns  
ROE 28.4%
ROI 7.5%
ROIC 7.5%
Profit margin 9.7%
Growth  
Revenue growing Yes
Profits growing Yes
Revenue up 3y Yes
Revenue up 5y No
Quality  
Profitable Yes
Margin expanding Yes
Buying back stock No
Diluting (TTM) Yes
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News sentiment (TTM) 0
Quality score 43.8%
Insiders  
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Figure FY 2025 FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015
Revenue 830.083M 587.559M 471.581M 319.008M 225.703M 262.821M 218.478M 203.651M 192.872M — —
Net profit 80.717M 34.326M 19.191M 15.984M 14.446M 29.264M 14.834M 10.382M 13.255M — —

Figure FY 2025 FY 2024 FY 2023 FY 2022 FY 2021 FY 2020 FY 2019 FY 2018 FY 2017 FY 2016 FY 2015
Share price 0.22 0.12 0.12 0.16 0.17 — — — — — —
Price performance 12m 0.82 -0.05 -0.2 -0.1 — — — — — — —

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Aspial Lifestyle Limited (ticker 5UF), listed in Singapore.