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Liberty Financial Group Ltd (AU:LFG)
ASX:LFG
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Liberty Financial Group Ltd (LFG) AI Stock Analysis

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AU:LFG

Liberty Financial Group Ltd

(Sydney:LFG)

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Neutral 60 (OpenAI - 4o)
Rating:60Neutral
Price Target:
AU$4.50
▲(11.39% Upside)
Liberty Financial Group Ltd's overall stock score is primarily influenced by its financial performance challenges, including declining revenue and high leverage. However, the stock's technical indicators show positive momentum, and its valuation appears attractive with a low P/E ratio and high dividend yield. These factors provide a mixed outlook, with significant financial risks balanced by potential technical and valuation opportunities.

Liberty Financial Group Ltd (LFG) vs. iShares MSCI Australia ETF (EWA)

Liberty Financial Group Ltd Business Overview & Revenue Model

Company DescriptionLiberty Financial Group Limited engages in the financial services business in Australia and New Zealand. It operates in three segments: Residential Finance, Secured Finance, and Financial Services. The company offers residential and commercial mortgages; motor vehicle finance; unsecured and secured personal loans; secured and unsecured loans; SME LOANS; and self-managed superannuation loans. It also offers mortgage broking services; life and general insurance solutions; and specialty lending, finance and insurance broking, receivables, consumer insurance, underwriting, real estate, and fund management services. The company was founded in 1997 and is based in Melbourne, Australia. Liberty Financial Group Limited is a subsidiary of Vesta Funding BV.
How the Company Makes MoneyLiberty Financial Group Ltd generates revenue through multiple streams. The primary source of income is interest income derived from personal and commercial loans, mortgages, and other credit products offered to customers. Additionally, LFG earns fees and commissions from its wealth management and investment advisory services. The company also generates premiums from its insurance products, including life and health insurance policies. Strategic partnerships with other financial institutions and technology providers enhance its service offerings and contribute to its earnings. Furthermore, LFG invests in a diversified portfolio of securities and assets, generating additional income from its investment activities.

Liberty Financial Group Ltd Financial Statement Overview

Summary
Liberty Financial Group Ltd faces significant challenges across its financial statements. The income statement shows a sharp decline in revenue, impacting profitability despite strong margins. The balance sheet reflects high leverage, which could pose financial risks. The cash flow statement indicates declining cash generation, raising concerns about liquidity. Overall, the company needs to address its revenue decline and manage its debt levels to improve its financial health.
Income Statement
45
Neutral
Liberty Financial Group Ltd has experienced a significant revenue decline of 41.95% in the latest year, indicating potential challenges in maintaining its market position. Despite this, the company maintains a strong gross profit margin of 100%, suggesting effective cost management. However, the net profit margin has decreased compared to previous years, reflecting reduced profitability. The EBIT and EBITDA margins remain robust, indicating operational efficiency, but the overall revenue contraction is a concern.
Balance Sheet
40
Negative
The company's balance sheet shows a high debt-to-equity ratio of 12.30, indicating significant leverage and potential financial risk. The return on equity is moderate at 11.20%, reflecting decent profitability relative to shareholder equity. The equity ratio is relatively low, suggesting a heavy reliance on debt financing. Overall, the balance sheet reflects high leverage, which could pose risks if not managed carefully.
Cash Flow
30
Negative
Liberty Financial Group Ltd's cash flow statement reveals a concerning trend with a negative free cash flow growth rate of -118.38%, indicating declining cash generation capabilities. The operating cash flow to net income ratio is low at 0.02, suggesting challenges in converting income into cash. The free cash flow to net income ratio is nearly 1, indicating that most of the net income is being converted into free cash flow, but the overall cash flow situation is weak.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue604.51M604.51M1.46B1.23B868.94M852.97M
Gross Profit604.51M604.51M1.46B995.25M637.89M643.12M
EBITDA1.09B1.09B1.06B859.41M731.14M689.43M
Net Income133.97M133.97M115.81M181.52M219.63M185.92M
Balance Sheet
Total Assets16.24B16.24B16.31B15.69B14.33B13.57B
Cash, Cash Equivalents and Short-Term Investments1.55B1.55B1.58B1.34B661.33M12.89B
Total Debt14.71B14.71B14.57B14.03B12.81B12.25B
Total Liabilities15.05B15.05B15.11B14.52B13.21B12.53B
Stockholders Equity1.20B1.20B1.20B1.17B1.12B1.04B
Cash Flow
Free Cash Flow116.36M116.36M-932.57M-442.74M-483.76M128.64M
Operating Cash Flow118.08M118.08M-929.69M-435.63M-480.30M132.96M
Investing Cash Flow25.89M25.89M30.03M-12.85M-15.40M-24.37M
Financing Cash Flow-196.46M-196.46M497.67M1.14B-68.38M-3.19M

Liberty Financial Group Ltd Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price4.04
Price Trends
50DMA
4.21
Negative
100DMA
3.76
Positive
200DMA
3.45
Positive
Market Momentum
MACD
0.01
Positive
RSI
36.97
Neutral
STOCH
28.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:LFG, the sentiment is Neutral. The current price of 4.04 is below the 20-day moving average (MA) of 4.34, below the 50-day MA of 4.21, and above the 200-day MA of 3.45, indicating a neutral trend. The MACD of 0.01 indicates Positive momentum. The RSI at 36.97 is Neutral, neither overbought nor oversold. The STOCH value of 28.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:LFG.

Liberty Financial Group Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
AU$254.79M9.3071.90%22.94%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
AU$969.04M9.7112.11%8.79%-6.49%-5.40%
60
Neutral
AU$1.23B9.1511.19%6.88%2.11%15.71%
57
Neutral
€989.01M10.5111.07%4.68%5.01%85.56%
51
Neutral
AU$1.19B20.235.01%6.11%14.81%
38
Underperform
AU$84.01M7.17-42.59%-9.56%-392.31%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:LFG
Liberty Financial Group Ltd
4.04
1.19
41.75%
AU:CCP
Credit Corp Group Limited
14.53
-2.40
-14.18%
AU:PLT
Plenti Group Ltd.
1.30
0.65
100.00%
AU:PPM
Pepper Money Ltd
2.15
0.93
76.23%
AU:LFS
Latitude Group Holdings Ltd.
1.14
0.06
5.56%
AU:MME
MoneyMe Ltd.
0.11
0.00
0.00%

Liberty Financial Group Ltd Corporate Events

Liberty Financial Group Announces Cessation of Securities
Jul 11, 2025

Liberty Financial Group Ltd has announced the cessation of several securities, including options expiring on various dates and at various prices. The cessation occurred due to the expiry of options or convertible securities without exercise or conversion, and the lapse of conditional rights to securities due to unmet conditions. This development may impact the company’s financial strategies and stakeholder interests, as it reflects changes in the company’s securities management.

The most recent analyst rating on (AU:LFG) stock is a Hold with a A$3.75 price target. To see the full list of analyst forecasts on Liberty Financial Group Ltd stock, see the AU:LFG Stock Forecast page.

Liberty Group Announces Estimated Final Distribution for FY25
Jun 24, 2025

Liberty Group has announced an estimated final distribution of 20 cents per security for the period from 1 December 2024 to 30 June 2025. The final distribution amount will be confirmed on 25 August 2025, coinciding with the release of the FY25 annual results, and payments to security holders are scheduled for 29 August 2025.

The most recent analyst rating on (AU:LFG) stock is a Hold with a A$4.00 price target. To see the full list of analyst forecasts on Liberty Financial Group Ltd stock, see the AU:LFG Stock Forecast page.

Liberty Financial Group Announces New Dividend Distribution
Jun 24, 2025

Liberty Financial Group has announced a new dividend distribution for its fully paid ordinary units stapled securities, with a distribution amount of AUD 0.20. The ex-date is set for June 27, 2025, and the payment date is August 29, 2025. This announcement reflects the company’s ongoing commitment to delivering shareholder value and may impact investor sentiment positively.

The most recent analyst rating on (AU:LFG) stock is a Hold with a A$4.00 price target. To see the full list of analyst forecasts on Liberty Financial Group Ltd stock, see the AU:LFG Stock Forecast page.

Liberty Financial Group Announces Director’s Interest Stability
May 7, 2025

Liberty Financial Group Limited announced a change in the director’s interest notice, with no changes in the number of securities held by Director Peter Riedel. The announcement indicates stability in the director’s holdings, suggesting no immediate impact on the company’s operations or market positioning.

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: Oct 02, 2025