Centrepoint Alliance Limited (CAF) AI Stock Analysis

• Market Cap: AU$77.46M
• Dividend Yield: 7.14%
• Average Volume (3M): 83.17K
• Price to Earnings (P/E): 16.7
• Beta (1Y): 0.32
• Revenue Growth: 13.65%
• EPS Growth: -33.93%
• Country: AU
• Employees: 187
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.02
• Shares Outstanding: 209,353,320
• 10 Day Avg. Volume: 135,968
• 30 Day Avg. Volume: 83,171
• PEG Ratio: -0.44
• Price to Book (P/B): 2.28
• Price to Sales (P/S): 1.99
• P/FCF Ratio: 8.07
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.03
• Revenue Forecast (FY): AU$44.70M

• Rating: 60 Neutral
• Price Target: AU$0.44 ▲(5.00% Upside)
• Action: Reiterated Date: 11/21/25
• Date: Action: Reiterated 11/21/25

Centrepoint Alliance Limited's strong cash flow and stable balance sheet are significant strengths, but the severe revenue decline and bearish technical indicators weigh heavily on the stock. Its attractive valuation provides some support, but the overall outlook is cautious.

Positive Factors

Cash generation

Rapid free cash flow growth (73%) and an operating cash flow to net income ratio of 4.33 show durable cash conversion. Strong cash generation provides financing flexibility to invest in adviser support, absorb cyclical revenue weakness, and fund operations without increasing leverage.

Low leverage

A debt-to-equity of 0.06 combined with a healthy ROE (~15%) indicates conservative capital structure and efficient equity use. Low leverage preserves resilience to regulatory or client-flow shocks, enabling the company to prioritize strategic investments or maintain services during downturns.

High gross margins

An extremely high gross margin (~99%) implies the service/platform model has minimal direct costs, creating scalable economics. This supports operating leverage: as adviser activity or fee volumes recover, incremental revenue should flow to operating income relatively quickly, aiding margin sustainability.

Negative Factors

Severe revenue decline

An 87.5% year-over-year revenue contraction is a material structural concern. Such a sharp top-line fall undermines fixed-cost coverage, weakens adviser economics and reduces operating headroom. Restoring sustainable revenue is essential for durable profitability and network confidence.

Earnings per share erosion

EPS declining roughly 34% signals meaningful deterioration in profit per share that can constrain retained earnings and reinvestment capacity. Persistent EPS weakness reduces financial flexibility and investor/partner confidence unless earnings stabilise or reverse through revenue or cost actions.

Concentrated revenue model

Revenue is concentrated in adviser fees, practice support and platform/product access, tying cash flow to adviser network health. That concentration amplifies regulatory, retention and competitive risks; absent diversified partner revenue, recovery depends heavily on adviser retention and same-store growth.

Centrepoint Alliance Limited Business Overview & Revenue Model

Company Description

Centrepoint Alliance Limited, together with its subsidiaries, engages in the financial services industry in Australia. It operates through Licensee and Advice Services, Fund Management and Administration, and Consulting Services segments. The Licensee and Advice Services segment offers license services, which include licensing, systems, compliance, training, and technical advises to financial advisers and their clients, as well as mortgage aggregation services to mortgage brokers. The Fund Management and Administration segment provides investor directed portfolio services and investment management services to financial advisers, accountants, and their clients. The Consulting Services segment provides consulting services to self-licensed advisers and licensees. The company also provides lending solutions, such as mortgage lending, asset financing, and commercial finance. In addition, it offers loans to advisers, packages investment platforms, and managed funds; and financial advisory, support, and salaried advisory services, as well as employee share plans. The company was formerly known as Alliance Finance Corporation Limited and changed its name to Centrepoint Alliance Limited in September 2005. Centrepoint Alliance Limited was founded in 1982 and is headquartered in Sydney, Australia.

How the Company Makes Money

Centrepoint Alliance Limited generates revenue through multiple streams, primarily by charging fees for its services to financial advisers and their clients. This includes management fees from investment products, commissions from insurance products, and platform fees for using its investment and administration platforms. Additionally, CAF earns revenue from consulting services that help financial advisers improve their business operations and client engagement strategies. Strategic partnerships with various financial institutions and product providers also contribute to its earnings, enhancing its service offerings and expanding its market reach.

Centrepoint Alliance Limited Financial Statement Overview

Summary

Centrepoint Alliance Limited demonstrates strong cash flow and a stable balance sheet with low leverage. However, the significant decline in revenue presents a challenge that needs to be addressed to ensure long-term profitability.

Income Statement

Centrepoint Alliance Limited has experienced a significant decline in revenue, with a revenue growth rate of -87.53% in the most recent year. While the gross profit margin remains high at 99.16%, the net profit margin is relatively low at 13.36%. The EBIT and EBITDA margins are moderate at 18.99% and 27.28%, respectively. The company needs to address the revenue decline to improve its financial performance.

Balance Sheet

The company maintains a strong balance sheet with a low debt-to-equity ratio of 0.06, indicating low leverage. The return on equity is healthy at 15.36%, reflecting efficient use of equity. The equity ratio is not explicitly calculated, but the company's low debt levels suggest a stable financial position.

Cash Flow

Centrepoint Alliance Limited shows strong cash flow performance with a free cash flow growth rate of 73.09% and a high operating cash flow to net income ratio of 4.33. The free cash flow to net income ratio is also robust at 0.93, indicating efficient cash generation relative to net income.

Breakdown	TTM	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021
Income Statement
Total Revenue	346.24M	38.54M	288.41M	273.85M	228.53M	139.18M
Gross Profit	27.13M	38.22M	16.85M	32.66M	29.33M	26.48M
EBITDA	8.11M	10.52M	8.57M	8.82M	4.43M	3.37M
Net Income	4.45M	5.15M	7.77M	6.34M	6.49M	1.85M
Balance Sheet
Total Assets	59.54M	60.98M	59.01M	48.11M	49.32M	27.04M
Cash, Cash Equivalents and Short-Term Investments	11.46M	13.74M	12.21M	15.61M	14.74M	11.13M
Total Debt	5.65M	2.01M	5.36M	803.00K	2.52M	490.00K
Total Liabilities	24.86M	27.46M	25.68M	16.94M	21.00M	15.85M
Stockholders Equity	34.68M	33.52M	33.34M	31.05M	28.20M	11.07M
Cash Flow
Free Cash Flow	10.61M	9.49M	5.93M	3.82M	6.76M	2.94M
Operating Cash Flow	10.75M	10.19M	7.23M	4.40M	7.12M	3.01M
Investing Cash Flow	-1.67M	-1.35M	-6.76M	966.00K	1.00M	2.50M
Financing Cash Flow	-6.80M	-7.30M	-3.87M	-4.50M	-4.51M	-6.57M

Centrepoint Alliance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.42
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:CAF, the sentiment is Negative. The current price of 0.42 is above the 20-day moving average (MA) of 0.38, above the 50-day MA of 0.38, and above the 200-day MA of 0.38, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 46.30 is Neutral, neither overbought nor oversold. The STOCH value of -7.41 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:CAF.

Centrepoint Alliance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MAM	72 Outperform	AU$64.02M	7.05	32.22%	6.39%	22.67%	19.47%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WTL	61 Neutral	AU$49.62M	10.07	15.13%	5.00%	16.64%	19.30%
CAF	60 Neutral	AU$77.46M	16.74	15.40%	7.14%	13.65%	-33.93%
PFG	55 Neutral	AU$61.65M	9.20	8.35%	7.22%	21.16%	47.24%
CIW	53 Neutral	AU$29.29M	52.21	2.42%	2.03%	18.17%	―

Centrepoint Alliance Limited Corporate Events

Centrepoint Alliance Seeks ASX Quotation for 267,375 New Shares

Centrepoint Alliance Limited has applied to the ASX for quotation of 267,375 new fully paid ordinary shares, issued on 2 February 2026, under its ticker CAF. The additional securities arise from the exercise or conversion of existing options or other convertible securities, modestly increasing the company’s quoted share capital and slightly diluting existing holdings while supporting ongoing capital management and employee or investor equity participation plans.

The most recent analyst rating on (AU:CAF) stock is a Hold with a A$0.44 price target. To see the full list of analyst forecasts on Centrepoint Alliance Limited stock, see the AU:CAF Stock Forecast page.

Centrepoint Alliance Applies to Quote 625,000 New Ordinary Shares on ASX

Centrepoint Alliance Limited, listed on the ASX under the code CAF, has applied for quotation of 625,000 new fully paid ordinary shares. These securities, issued on 2 February 2026 as a result of exercised options or converted securities, will increase the company’s quoted share capital and marginally broaden its shareholder base, reflecting ongoing utilisation of equity-based instruments within its capital structure.

The most recent analyst rating on (AU:CAF) stock is a Hold with a A$0.44 price target. To see the full list of analyst forecasts on Centrepoint Alliance Limited stock, see the AU:CAF Stock Forecast page.

Centrepoint Alliance Seeks ASX Quotation for 404,231 New Shares

Centrepoint Alliance Limited has applied to the ASX for quotation of 404,231 new fully paid ordinary shares under its existing issuer code, CAF. The additional securities, issued on 21 January 2026 following the exercise or conversion of existing options or other convertible securities, will increase the company’s quoted capital base and marginally enhance liquidity for shareholders once admitted to trading.

The most recent analyst rating on (AU:CAF) stock is a Hold with a A$0.44 price target. To see the full list of analyst forecasts on Centrepoint Alliance Limited stock, see the AU:CAF Stock Forecast page.

Centrepoint Alliance Forecasts Strong Growth and Market Positioning

Centrepoint Alliance Limited has announced a strong forecast for the first half of FY26, with an expected EBITDA of $6 million, marking a 13% increase from the previous year. The company has improved its market position, now ranked as the number 2 licensee in Australia, driven by strong adviser recruitment and retention. Centrepoint supports 588 licensed advisers and is onboarding an additional 40, while maintaining high education compliance standards. The IconiQ Platform is scaling with a $1 billion transition pipeline, and the company anticipates full-year EBITDA to reach the top end of its guidance range.

The most recent analyst rating on (AU:CAF) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Centrepoint Alliance Limited stock, see the AU:CAF Stock Forecast page.

Centrepoint Alliance Limited Announces Quotation of New Securities

Centrepoint Alliance Limited has announced the quotation of 573,665 fully paid ordinary securities on the Australian Securities Exchange (ASX) under the code CAF, effective December 15, 2025. This move is part of the company’s strategic efforts to enhance its capital structure and potentially improve its market liquidity, which could have positive implications for its stakeholders by increasing the accessibility and attractiveness of its shares.

The most recent analyst rating on (AU:CAF) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Centrepoint Alliance Limited stock, see the AU:CAF Stock Forecast page.

Centrepoint Alliance to Quote New Securities on ASX

Centrepoint Alliance Limited announced the quotation of 2,276,472 fully paid ordinary securities on the Australian Securities Exchange (ASX) effective December 1, 2025. This move reflects the company’s ongoing efforts to enhance its capital structure and potentially improve its market positioning, which could have implications for its stakeholders, including investors and financial advisors.

The most recent analyst rating on (AU:CAF) stock is a Hold with a A$0.50 price target. To see the full list of analyst forecasts on Centrepoint Alliance Limited stock, see the AU:CAF Stock Forecast page.