Insignia Financial Ltd (IFL) AI Stock Analysis

• Market Cap: AU$3.02B
• Dividend Yield: 2.06%
• Average Volume (3M): 4.13M
• Price to Earnings (P/E): 187.6
• Beta (1Y): 0.87
• Revenue Growth: -15.63%
• EPS Growth: N/A
• Country: AU
• Employees: 1,300
• Sector: Financial
• Sector Strength: 73
• Industry: Asset Management
• EPS (TTM): 0.20
• Shares Outstanding: 670,726,140
• 10 Day Avg. Volume: 2,709,277
• 30 Day Avg. Volume: 4,125,564
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: AU$4.66
• Price Target Upside: 3.16% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 61 Neutral
• Price Target: AU$4.50 ▼(-0.44% Downside)

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 Business Overview & Revenue Model

Company Description

Insignia 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 Money

Insignia 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

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

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

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.

Breakdown	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	1.86B	1.94B	2.14B	1.23B	1.08B
Gross Profit	1.35B	1.21B	1.33B	638.60M	521.20M
EBITDA	117.90M	284.20M	172.50M	174.10M	195.60M
Net Income	-185.30M	8.20M	36.80M	-142.60M	56.90M
Balance Sheet
Total Assets	3.59B	5.00B	5.51B	5.76B	4.51B
Cash, Cash Equivalents and Short-Term Investments	486.50M	505.60M	1.58B	1.79B	1.30B
Total Debt	917.50M	937.40M	992.40M	762.60M	572.30M
Total Liabilities	1.54B	2.67B	3.11B	3.26B	2.78B
Stockholders Equity	2.04B	2.33B	2.40B	2.49B	1.74B
Cash Flow
Free Cash Flow	-54.50M	4.20M	-62.40M	117.90M	93.40M
Operating Cash Flow	-53.30M	23.70M	-15.20M	134.30M	114.70M
Investing Cash Flow	175.60M	128.30M	-73.70M	-742.70M	254.50M
Financing Cash Flow	-192.10M	-149.80M	-51.00M	902.80M	-106.80M

Insignia Financial Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.52
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: 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 4.52 is above the 20-day moving average (MA) of 4.50, above the 50-day MA of 4.18, and above the 200-day MA of 3.94, indicating a bullish trend. The MACD of 0.08 indicates Positive momentum. The RSI at 71.07 is Negative, neither overbought nor oversold. The STOCH value of 33.33 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.84B	12.03	10.32%	3.73%	9.70%	0.76%
IFL	61 Neutral	AU$3.02B	187.55	0.72%	2.06%	-15.63%	―
AMLTF	―	$2.83B	29.16	4.59%	1.47%	―	―
NNA	―	€972.19M	9.96	16.50%	―	―	―
PVQ	―	€1.41B	―	-24.47%	―	―	―
CNI	71 Outperform	AU$2.02B	24.37	5.59%	5.39%	38.64%	-21.14%
MAF	50 Neutral	AU$1.60B	41.09	8.97%	2.13%	35.30%	44.24%

Insignia Financial Ltd Corporate Events

Insignia Financial to Announce 2025 Financial Results

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

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

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

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

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

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

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

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

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

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

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.