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Insignia Financial Ltd (AU:IFL)
:IFL
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Insignia Financial Ltd (IFL) AI Stock Analysis

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AU:IFL

Insignia Financial Ltd

(OTC:IFL)

Rating:61Neutral
Price Target:
AU$4.50
▲(0.00% Upside)
Insignia Financial Ltd's stock score is influenced primarily by its challenging financial performance and valuation concerns. The technical analysis is more favorable, showing positive price momentum, but the negative P/E ratio and profitability issues are significant risks. Improving revenue growth and operational efficiency are critical for enhancing the overall financial position and stock valuation.

Insignia Financial Ltd (IFL) vs. iShares MSCI Australia ETF (EWA)

Insignia Financial Ltd Business Overview & Revenue Model

Company DescriptionInsignia Financial Ltd. provides financial advice, platforms, and asset management services in Australia. The company offers financial services solutions on superannuation and investments to clients including investors, members, employers, and advisers. It also provides financial advisory, various financial products and services, and investment management services on behalf of institutional, retail, and direct clients. The company was formerly known as IOOF Holdings Ltd. and changed its name to Insignia Financial Ltd. in December 2021. Insignia Financial Ltd. was founded in 1846 and is based in Docklands, Australia.
How the Company Makes MoneyInsignia Financial Ltd generates revenue primarily through fees and commissions associated with its financial products and services. The company's key revenue streams include management fees from superannuation and investment products, advisory fees for financial consulting services, and commissions on insurance products. Insignia Financial also leverages strategic partnerships with financial institutions and investment managers to enhance its product offerings and expand its client base, which further contributes to its earnings.

Insignia Financial Ltd Financial Statement Overview

Summary
Insignia Financial Ltd faces a challenging financial environment with declining revenues and profitability pressures. The income statement highlights a negative net profit margin and declining revenue. The balance sheet is relatively stable with manageable debt levels, while the cash flow shows significant challenges with negative operating cash flow.
Income Statement
62
Positive
The income statement reflects a challenging year for Insignia Financial Ltd. Gross profit margin in 2024 was approximately 34.1%, a decline from prior years, signaling pressure on profitability. The net profit margin was negative (-9.9%) due to a substantial net loss, indicating potential operational challenges. Revenue has been declining over the past two years, with a significant drop of 4.1% from 2023 to 2024. EBIT margin improved slightly to 11.1%, showing some control over operating expenses. However, the EBITDA margin declined to 6.3%, highlighting reduced operational efficiency.
Balance Sheet
71
Positive
The balance sheet shows a relatively stable financial position with stockholders' equity of $2.04 billion in 2024. The debt-to-equity ratio is moderate at 0.45, indicating manageable leverage levels. However, a decline in total assets and stockholders' equity from previous years suggests shrinking asset base and potential challenges in maintaining financial stability. The equity ratio of 57.0% is healthy, reflecting a strong equity base relative to total assets.
Cash Flow
58
Neutral
Cash flow analysis reveals significant challenges with negative operating cash flow of $53.3 million in 2024. Free cash flow also turned negative, indicating cash constraints. The free cash flow to net income ratio is not meaningful due to negative net income, and there is a lack of consistent cash generation over time. Despite these issues, cash reserves provide some buffer against short-term liquidity pressures.
BreakdownJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue1.86B1.94B2.14B1.23B1.08B
Gross Profit1.35B1.21B1.33B638.60M521.20M
EBITDA117.90M284.20M172.50M174.10M195.60M
Net Income-185.30M8.20M36.80M-142.60M56.90M
Balance Sheet
Total Assets3.59B5.00B5.51B5.76B4.51B
Cash, Cash Equivalents and Short-Term Investments486.50M505.60M1.58B1.79B1.30B
Total Debt917.50M937.40M992.40M762.60M572.30M
Total Liabilities1.54B2.67B3.11B3.26B2.78B
Stockholders Equity2.04B2.33B2.40B2.49B1.74B
Cash Flow
Free Cash Flow-54.50M4.20M-62.40M117.90M93.40M
Operating Cash Flow-53.30M23.70M-15.20M134.30M114.70M
Investing Cash Flow175.60M128.30M-73.70M-742.70M254.50M
Financing Cash Flow-192.10M-149.80M-51.00M902.80M-106.80M

Insignia Financial Ltd Technical Analysis

Technical Analysis Sentiment
Positive
Last Price4.50
Price Trends
50DMA
3.90
Positive
100DMA
3.87
Positive
200DMA
3.86
Positive
Market Momentum
MACD
0.18
Positive
RSI
70.35
Negative
STOCH
23.81
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:IFL, the sentiment is Positive. The current price of 4.5 is above the 20-day moving average (MA) of 4.31, above the 50-day MA of 3.90, and above the 200-day MA of 3.86, indicating a bullish trend. The MACD of 0.18 indicates Positive momentum. The RSI at 70.35 is Negative, neither overbought nor oversold. The STOCH value of 23.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:IFL.

Insignia Financial Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
67
Neutral
$17.02B11.609.79%3.95%10.61%2.06%
61
Neutral
AU$3.01B-7.21%2.07%-8.26%-259.91%
$2.70B28.914.84%1.84%
€1.01B7.4423.27%
€1.36B-24.47%
71
Outperform
AU$1.57B21.504.97%6.76%13.48%-8.15%
50
Neutral
AU$1.36B29.9010.26%2.50%31.89%45.79%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:IFL
Insignia Financial Ltd
4.50
1.95
76.47%
AMLTF
AMP
1.35
0.52
62.65%
DE:NNA
Magellan Financial Group Ltd
5.85
0.84
16.77%
DE:PVQ
Perpetual Limited
11.60
0.23
2.02%
AU:MAF
MA Financial Group Limited
7.99
3.92
96.31%
AU:CNI
Centuria Capital Group
1.94
0.48
32.88%

Insignia Financial Ltd Corporate Events

Insignia Financial to Announce 2025 Financial Results
Aug 4, 2025

Insignia Financial Ltd has announced it will release its financial results for the year ending June 30, 2025, on August 21, 2025. Following the results announcement, a webcast and teleconference will be held by CEO Scott Hartley and CFO David Chalmers to discuss the results and answer questions, indicating a transparent approach to stakeholder communication.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Ltd Alters Substantial Holding in Argenica Therapeutics
Jul 23, 2025

Insignia Financial Ltd has announced a change in its substantial holding in Argenica Therapeutics Limited, indicating a shift in its investment strategy. The company has ceased to be a substantial holder as of July 16, 2025, following a series of transactions involving purchases and sales of shares through its subsidiaries, IOOF Investment Services Ltd and MLC Investments Ltd. This change may impact Insignia Financial’s market positioning and influence its stakeholders’ perceptions regarding its investment focus and strategy.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Ltd Announces Change in Substantial Holder Interests
Jul 23, 2025

Insignia Financial Ltd has announced a change in the interests of a substantial holder, with State Street Corporation and its subsidiaries, including State Street Global Advisors and State Street Bank and Trust Company, holding significant voting power. This change in voting power reflects a strategic adjustment in the company’s shareholder structure, potentially impacting its governance and decision-making processes.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Reports Strong Growth and Strategic Developments in Q4 2025
Jul 21, 2025

Insignia Financial Ltd reported a significant increase in Funds Under Management and Administration (FUMA) by $8.5 billion, reaching $330.3 billion as of June 30, 2025. The company achieved record net inflows in its MLC Expand platform and successfully transitioned Master Trust functions to SS&C, strengthening its operational efficiency. Additionally, Insignia announced a new partnership with TAL and Challenger to launch an innovative retirement income solution, MLC Retirement Boost, and entered into a scheme with CC Capital for a potential acquisition. These developments are expected to enhance Insignia’s market positioning and offer growth opportunities in the upcoming fiscal year.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Agrees to Acquisition by CC Capital
Jul 21, 2025

Insignia Financial Ltd has entered into a Scheme Implementation Deed with CC Capital, under which CC Capital will acquire all issued shares of Insignia Financial for $4.80 per share, representing a significant premium over previous share prices. The board recommends shareholders vote in favor of the scheme, which is subject to various regulatory and shareholder approvals, and is expected to be implemented in the first half of 2026. This acquisition reflects the company’s strategic vision and offers shareholders a substantial cash value, amidst market volatility.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Engages in Acquisition Talks with CC Capital Partners
Jul 20, 2025

Insignia Financial Ltd is currently in discussions with CC Capital Partners regarding a non-binding proposal to acquire all of its shares through a scheme of arrangement. While these discussions are ongoing, there is no certainty that they will lead to a transaction for shareholders to consider. Insignia Financial has committed to keeping the market informed in line with its disclosure obligations.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Awaits Binding Bid from CC Capital Partners
Jun 30, 2025

Insignia Financial Ltd has announced that CC Capital Partners is actively working towards making a binding bid to acquire all shares of Insignia Financial through a scheme of arrangement. While CC Capital is finalizing financing and investment committee approvals, there is no certainty that these discussions will lead to a transaction for shareholders’ consideration. Insignia Financial remains committed to keeping the market informed as per its disclosure obligations.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial’s Substantial Holder Increases Stake
Jun 17, 2025

Insignia Financial Ltd has experienced a change in the interests of its substantial holder, Australian Retirement Trust Pty Ltd. The voting power of the substantial holder has increased from 10.404% to 11.443%, indicating a significant rise in their stake in the company. This change in voting power could potentially impact the company’s decision-making processes and influence its strategic direction.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Ltd Reports Changes in Voting Share Control
Jun 12, 2025

Insignia Financial Ltd has issued a notice under the Corporations Act 2001 regarding its aggregated percentage of voting shares. The notice reveals a slight decrease in the percentage of voting shares controlled by its associated entities, from 0.933% to 0.926%. This announcement may impact the company’s governance and decision-making processes, as it reflects changes in the control over voting shares.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Adjusts Substantial Holding in IDP Education
Jun 12, 2025

Insignia Financial Ltd has announced a change in its substantial holding in IDP Education Limited as of June 5, 2025. The notice details various transactions by its subsidiaries, including significant purchases and sales of shares, reflecting strategic adjustments in its investment portfolio. This change may impact Insignia’s market positioning and influence its stakeholders’ interests.

The most recent analyst rating on (AU:IFL) stock is a Sell with a A$2.21 price target. To see the full list of analyst forecasts on Insignia Financial Ltd stock, see the AU:IFL Stock Forecast page.

Insignia Financial Adjusts Stake in Botanix Pharmaceuticals
May 6, 2025

Insignia Financial Ltd has announced a change in its substantial holding in Botanix Pharmaceuticals Ltd, reflecting a decrease in its voting power from 9.32% to 8.29%. This change is due to a series of market transactions involving purchases and sales of shares by its subsidiaries, IOOF Investment Management Ltd, IOOF Investment Services Ltd, and MLC Investments Ltd. The adjustment in Insignia’s stake could impact its influence within Botanix Pharmaceuticals, potentially affecting strategic decisions and stakeholder interests.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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: Jul 23, 2025