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Size Aspial Lifestyle (5UF.SI) is a Singapore Financials company (Finance/Rental/Leasing) with a market value of $470M, the 110th largest of 186 Singapore companies the cockpit tracks. Shares closed at S$0.29 on 6 Nov 2026.
Performance Over six months the shares fell 31.7%, against 0.0% for the median peer and -1.2% for the Singapore market (cap-weighted) — 3rd lowest of 20 in its peer set.
Growth Revenue grew 31.8% over the last twelve months (peer median +5.4%); the operating margin is 16.5% (peer median 24.5%).
Valuation It trades at 1.40× book value against a peer median of 1.04× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 6.8%; Aspial Lifestyle delivers 30.6%, so the price asks less than the business earns today.
Next results Next results expected around 19 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | S$927M | S$830M | S$588M | S$472M | S$319M |
| Revenue growth | — | +41% | +25% | +48% | — |
| Gross profit | S$222M | S$183M | S$116M | S$83.8M | S$60.3M |
| EBITDA | S$190M | S$162M | S$106M | S$77.3M | S$49.8M |
| Net income | S$105M | S$80.7M | S$34.3M | S$19.2M | S$16.0M |
| Free cash flow | -S$139M | -S$41.3M | -S$56.6M | S$11.8M | -S$15.8M |
| Capital expenditure | S$35.8M | S$35.5M | S$13.3M | S$5.67M | S$5.74M |
| Total debt | n/a | S$851M | S$731M | S$625M | S$592M |
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Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 5UF.SI | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -10.8% | +0.1% | 2nd lowest of 21 |
| 6-month return | -31.7% | 0.0% | 3rd lowest of 20 |
| Return on equity | 30.6% | 9.2% | 3rd highest of 19 |
| Price / book | 1.40× | 1.04× | 7th most expensive of 21 |
| Trailing P/E | 4.0× | 9.0× | cheapest of 18 |
| ROE the price implies | 6.8% | 8.9% | 7th least demanding of 21 |
| ROE delivered | 30.6% | 9.1% | 3rd highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Aspial Lifestyle 5UF.SI | Singapore | $470M | -32% | +32% | 31% | 1.40× | 6.8% | 30.6% |
| AEON Credit Service (Asia) 0900.HK | Hong Kong | $463M | +2% | +4% | 11% | 0.79× | 4.8% | 11.0% |
| Emeco EHL.AX | Australia | $458M | +23% | +1% | 10% | 0.84× | 8.2% | 10.2% |
| Northern Arc Capital NORTHARC.NS | India | $487M | 0% | +28% | 12% | 1.09× | 20.4% | 12.1% |
| Anhui Xinli Finance 600318.SS | China | $452M | -22% | +16% | 3% | 2.82× | 36.0% | 2.7% |
| Lianlian DigiTech 2598.HK | Hong Kong | $452M | -49% | +118% | 6% | 0.98× | 6.4% | 5.7% |
| Chrysos C79.AX | Australia | $501M | 0% | -9% | 1% | 3.65× | 38.0% | 0.9% |
| Dominion Lending Centres, Inc. (Canada) DLCG.TO | Canada | $439M | -17% | +4% | 16% | 4.44× | 31.0% | 16.2% |
| Idea Acquisition IACO | United States | $438M | n/a | n/a | n/a | 1.28× | 7.3% | n/a |
| KRAKacquisition KRAQ | United States | $432M | +1% | n/a | n/a | 1.31× | 7.4% | n/a |
| MAS Financial Services MASFIN.NS | India | $512M | -24% | +23% | 14% | 1.50× | 18.8% | 13.8% |
| LendingTree TREE | United States | $520M | -5% | +23% | 51% | 2.05× | 27.3% | 51.4% |
| Oportun Financial OPRT | United States | $520M | +97% | 0% | 9% | 1.20× | 13.0% | 9.1% |
| goeasy GSY.TO | Canada | $522M | +39% | +5% | -34% | 0.92× | 9.6% | -34.0% |
| OppFi OPFI | United States | $526M | -34% | +6% | 38% | 9.07× | 108.9% | 38.4% |
| BFF Bank BFF.MI | Italy | $417M | -21% | -18% | 2% | 0.47× | 8.2% | 2.3% |
| Grenke GLJ.DE | Germany | $535M | -21% | +14% | 6% | 0.40× | 5.8% | 6.2% |
| Enity ENITY.ST | Sweden | $401M | +13% | n/a | 9% | 0.67× | 3.8% | 9.2% |
| NEC Capital Solutions 8793.T | Japan | $550M | -1% | +27% | 8% | 0.63× | 4.8% | 8.5% |
| Pepper Money PPM.AX | Australia | $553M | +6% | -1% | 13% | 0.90× | 13.1% | 13.0% |
| J Trust 8508.T | Japan | $563M | +7% | +4% | 9% | 0.59× | 5.4% | 9.1% |