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Liberty Financial Group Ltd
(Sydney:LFG)
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Rating:50Neutral
Price Target:
AU$3.00
▼(-9.09% Downside)
Action:Reiterated
Date:10/23/25
Liberty Financial Group Ltd's overall stock score is primarily influenced by its financial performance and valuation. The financial performance is concerning due to declining revenue and high leverage, which pose significant risks. However, the stock's valuation appears favorable with a low P/E ratio and high dividend yield, providing some upside potential. Technical analysis indicates mixed momentum, with no strong bullish signals. The absence of earnings call data and corporate events limits additional insights.
Positive Factors
Diversified non-bank lending model
LFG's diversified product mix (residential mortgages, personal lending, commercial/asset finance) and broad broker/adviser distribution create durable revenue diversification. This business model reduces single-segment dependence and supports origination scale and resilience over multiple economic cycles.
Negative Factors
Very high leverage
A debt-to-equity ratio of 12.3 signals extreme reliance on borrowed and securitised funding. This leverage raises sensitivity to interest rates and wholesale funding availability, reduces financial flexibility, and magnifies downside during funding stress or higher credit costs over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified non-bank lending model
LFG's diversified product mix (residential mortgages, personal lending, commercial/asset finance) and broad broker/adviser distribution create durable revenue diversification. This business model reduces single-segment dependence and supports origination scale and resilience over multiple economic cycles.
Read all positive factors
Liberty Financial Group Ltd (LFG) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$977.59M
Dividend Yield15.92%
Average Volume (3M)106.02K
Price to Earnings (P/E)6.7
Beta (1Y)0.59
Revenue Growth-4.02%
EPS Growth17.32%
CountryAU
Employees498
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.47
Shares Outstanding303,600,000
10 Day Avg. Volume230,968
30 Day Avg. Volume106,018
Financial Highlights & Ratios
PEG Ratio0.48
Price to Book (P/B)0.85
Price to Sales (P/S)1.68
P/FCF Ratio8.74
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$3.35Price Target Upside1.52% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)0.55
Revenue Forecast (FY)AU$676.89M
Liberty Financial Group Ltd Business Overview & Revenue Model
Company Description
Liberty Financial Group Limited, founded in 1997 and headquartered in Melbourne, Australia, provides a comprehensive suite of financial services across both Australia and New Zealand. The company's operations are categorized into three primary div...
How the Company Makes Money
LFG makes money primarily by originating and servicing loans and earning a spread between (a) the interest and fees it charges borrowers and (b) its own funding and operating costs. Key revenue streams typically include: (1) Net interest income: i...
Liberty Financial Group Ltd Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
40
Negative
Cash Flow
30
Negative
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.02B | 604.51M | 1.46B | 1.23B | 868.94M | 852.97M |
| Gross Profit | 870.34M | 604.51M | 1.46B | 995.25M | 637.89M | 643.12M |
| EBITDA | 1.08B | 1.09B | 1.06B | 859.41M | 731.14M | 510.11M |
| Net Income | 144.79M | 133.97M | 115.81M | 181.52M | 219.63M | 185.92M |
Balance Sheet | ||||||
| Total Assets | 16.37B | 16.24B | 16.31B | 15.69B | 14.33B | 13.57B |
| Cash, Cash Equivalents and Short-Term Investments | 922.87M | 1.55B | 1.58B | 1.34B | 661.33M | 12.89B |
| Total Debt | 14.80B | 14.71B | 14.57B | 14.03B | 12.81B | 12.25B |
| Total Liabilities | 15.17B | 15.05B | 15.11B | 14.52B | 13.21B | 12.53B |
| Stockholders Equity | 1.19B | 1.20B | 1.20B | 1.17B | 1.12B | 1.04B |
Cash Flow | ||||||
| Free Cash Flow | 259.71M | 116.36M | -932.57M | -442.74M | -483.76M | 128.64M |
| Operating Cash Flow | 264.88M | 118.08M | -929.69M | -435.63M | -480.30M | 132.96M |
| Investing Cash Flow | 18.92M | 25.89M | 30.03M | -12.85M | -15.40M | -24.37M |
| Financing Cash Flow | -265.71M | -196.46M | 497.67M | 1.14B | -68.38M | -3.19M |
Liberty Financial Group Ltd Technical Analysis
Negative
3.30
Price Trends
3.24
Negative
3.22
Negative
3.46
Negative
Market Momentum
-0.03
Positive
42.75
Neutral
44.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:LFG, the sentiment is Negative. The current price of 3.3 is above the 20-day moving average (MA) of 3.25, above the 50-day MA of 3.24, and below the 200-day MA of 3.46, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 42.75 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:LFG.
Liberty Financial Group Ltd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | AU$903.25M | 9.05 | 11.68% | 4.81% | 7.39% | 12.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$321.04M | 11.24 | 9.32% | 7.73% | -6.45% | -0.06% | |
64 Neutral | AU$795.18M | 7.85 | 12.70% | 15.82% | -0.65% | 8.02% | |
56 Neutral | AU$206.99M | 7.35 | 5.04% | 2.84% | ― | -18.89% | |
52 Neutral | AU$935.76M | 10.07 | 7.72% | 6.60% | 8.89% | 334.62% | |
50 Neutral | AU$977.59M | 6.68 | 12.13% | 15.15% | -4.02% | 17.32% |
* Financial Sector Average
AU:LFG
Liberty Financial Group Ltd
3.14
-0.46
-12.73%
AU:SVR
Money3 Corporation Limited
1.74
0.28
19.02%
AU:CCP
Credit Corp Group Limited
13.35
-1.84
-12.11%
AU:HUM
Humm Group Limited
0.42
-0.17
-29.06%
AU:PPM
Pepper Money Ltd
1.81
-0.16
-8.28%
AU:LFS
Latitude Group Holdings Ltd.
0.90
-0.14
-13.54%
Liberty Financial Group Ltd Corporate Events
Liberty Financial Streamlines Capital Structure as LFGAA Options Cease
Jul 14, 2026
Liberty Financial Group has notified the market of the cessation of several tranches of its LFGAA options, which expired or lapsed across multiple dates between March and June 2026. The changes reflect options that either expired unexercised or la...
Liberty Financial Group Sets AUD 0.05 Annual Distribution for 2026
Jun 24, 2026
Liberty Financial Group has declared an estimated cash distribution of AUD 0.05 per fully paid ordinary stapled security for the 12-month period ending 30 June 2026. The distribution will trade ex on 29 June, with a record date of 30 June and paym...
Liberty Group Flags 35-Cent FY26 Distribution for Securityholders
Jun 24, 2026
Liberty Group has announced an estimated final distribution of 5 cents per security from Liberty Financial Group Trust for the period from 1 July 2025 to 30 June 2026. Combined with the 30 cents in interim distributions already paid, this brings t...
Liberty Financial Group Declares Quarterly Distribution of AUD 0.075
May 31, 2026
Liberty Financial Group has declared a quarterly distribution of AUD 0.075 per fully paid stapled security, payable on 22 June 2026 to investors on the register as of 5 June, with an ex‑date of 4 June. The announcement underscores the compan...
Liberty Group Declares Interim Quarterly Distribution to Securityholders
May 31, 2026
Liberty Group has declared an interim quarterly unfranked distribution of 7.5 cents per security from the Liberty Financial Group Trust for the three-month period ending 30 June 2026. The distribution will be paid on 22 June 2026 to securityholder...
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.