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Liberty Financial Group Ltd (AU:LFG)
ASX:LFG
Australian Market

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 50 (OpenAI - 4o)
Rating:50Neutral
Price Target:
AU$4.00
▼(-5.66% Downside)
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
Strong Gross Profit Margin
A strong gross profit margin indicates effective cost management, allowing the company to maintain profitability even amidst revenue challenges.
Diversified Revenue Streams
Diversified revenue streams reduce dependency on a single income source, providing stability and resilience against sector-specific downturns.
Operational Efficiency
Robust EBIT and EBITDA margins reflect strong operational efficiency, which supports sustained profitability and competitive advantage.
Negative Factors
Revenue Decline
A sharp revenue decline suggests challenges in maintaining market position and could impact long-term growth prospects if not addressed.
High Leverage
High leverage can pose financial risks, limiting flexibility and increasing vulnerability to interest rate changes or economic downturns.
Declining Cash Generation
Declining cash generation can strain liquidity, affecting the company's ability to invest in growth opportunities and meet financial obligations.

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. Primarily, the company earns income from premiums collected on its insurance policies, which include life, health, and property insurance. Additionally, LFG derives revenue from fees associated with investment management services, including advisory fees, management fees on assets under management, and performance fees for exceeding investment benchmarks. The lending segment contributes to revenue through interest income from personal loans and mortgages. Strategic partnerships with financial institutions and investment firms also bolster revenue, enabling cross-selling opportunities and access to a broader client base. Furthermore, LFG leverages its expertise in financial planning to provide consulting services, further diversifying its income sources.

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
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
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
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
EBITDA1.09B1.09B1.06B859.41M731.14M510.11M
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
Positive
Last Price4.24
Price Trends
50DMA
4.07
Positive
100DMA
4.12
Positive
200DMA
3.61
Positive
Market Momentum
MACD
0.02
Positive
RSI
52.55
Neutral
STOCH
25.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:LFG, the sentiment is Positive. The current price of 4.24 is above the 20-day moving average (MA) of 4.15, above the 50-day MA of 4.07, and above the 200-day MA of 3.61, indicating a bullish trend. The MACD of 0.02 indicates Positive momentum. The RSI at 52.55 is Neutral, neither overbought nor oversold. The STOCH value of 25.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
AU$210.48M5.9795.31%19.38%
57
Neutral
AU$971.31M10.3211.07%4.81%5.01%85.56%
56
Neutral
AU$929.04M9.3112.11%11.71%-6.49%-5.40%
50
Neutral
AU$1.25B9.3611.19%11.83%2.11%15.71%
46
Neutral
AU$1.08B18.375.01%6.60%14.81%
42
Neutral
AU$91.28M-1.38-42.59%-9.56%-392.31%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:LFG
Liberty Financial Group Ltd
4.17
0.96
29.91%
AU:CCP
Credit Corp Group Limited
13.95
-2.26
-13.95%
AU:PLT
Plenti Group Ltd.
1.18
0.42
55.26%
AU:PPM
Pepper Money Ltd
2.08
0.85
69.11%
AU:LFS
Latitude Group Holdings Ltd.
1.04
-0.04
-3.70%
AU:MME
MoneyMe Ltd.
0.12
-0.09
-42.50%

Liberty Financial Group Ltd Corporate Events

Liberty Financial Group Grants Additional Options to Director Sherman Ma
Dec 31, 2025

Liberty Financial Group has disclosed a change in the interests of director Sherman Ma, who holds his main stake indirectly through entities that control Hestia Holdings BV, the indirect holding company of Vesta Funding BV, the registered holder of Liberty’s stapled securities. While Ma’s substantial holding of 228,227,245 stapled securities remains unchanged, he has been granted an additional 1,023,700 options under the Liberty Group Equity Incentive Plan at no consideration, increasing his total options to 5,020,097 and further aligning his incentives with the company’s long‑term performance and shareholder outcomes.

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 Grants Additional Options to Director James Boyle
Dec 31, 2025

Liberty Financial Group has disclosed a change in the indirect interests of director James Boyle, held via Hollypark Holding Pty Ltd, in its stapled securities. Boyle has been granted 2,047,403 additional options over stapled securities at no consideration under the Liberty Group Equity Incentive Plan, increasing his total holdings to 9,826,482 options while his stapled securities holding remains at 4,316,582. The grant strengthens the director’s equity-linked exposure to the company and trust, aligning his incentives more closely with securityholders and reflecting the ongoing use of options-based remuneration within the Liberty Group’s capital and compensation structure.

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 Director Increases Equity Exposure With New Option Grant
Dec 31, 2025

Liberty Financial Group has disclosed a change in the interests of director Peter Riedel, who has been granted 2,047,403 additional options under the Liberty Group Equity Incentive Plan, increasing his total option holding to 9,826,482 while his stapled security holdings remain unchanged. The notice also records Riedel’s contractual interest related to the Liberty Term Investment Fund, highlighting the director’s expanded equity-based exposure to the group’s performance and reinforcing the alignment of executive incentives with the company’s long-term value creation for securityholders.

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 Issues 5.1 Million Unquoted Options Under Employee Incentive Scheme
Dec 31, 2025

Liberty Financial Group has notified the market that it has issued 5,118,506 unquoted options under its employee incentive scheme, identified on the ASX as LFGAA and expiring on various dates at various exercise prices. The move expands the company’s pool of employee equity incentives, potentially aligning staff remuneration more closely with shareholder interests and indicating an ongoing commitment to using equity-based compensation as part of its capital and workforce management strategy.

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 Change
Dec 8, 2025

Liberty Financial Group Limited announced a change in the director’s interest notice, specifically involving Sherman Ma. The notice detailed the forfeiture of 1,434,150 options under the Equity Incentive Plan, leaving Ma with 3,996,397 options and 228,227,245 stapled securities. This change reflects adjustments in the director’s financial interests, potentially impacting the company’s governance and stakeholder perceptions.

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 Change in Securities Interest
Dec 8, 2025

Liberty Financial Group Limited announced a change in the director’s interest, specifically concerning James Boyle, who has indirectly forfeited 2,868,294 options under the company’s Equity Incentive Plan. This adjustment leaves Boyle with 4,316,582 stapled securities and 7,779,079 options, reflecting a strategic realignment of his holdings that may impact the company’s governance and stakeholder interests.

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 Change in Director’s Interest
Dec 8, 2025

Liberty Financial Group Limited announced a change in the director’s interest, specifically regarding Peter Riedel’s holdings. The change involved the forfeiture of 2,868,294 options under the company’s Equity Incentive Plan, resulting in a decrease in the total number of options held by the director. This adjustment reflects the company’s ongoing management of its equity plans and may impact the director’s future financial interests within the company.

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 Cessation of Securities
Dec 8, 2025

Liberty Financial Group Ltd announced the cessation of 7,170,738 securities due to the lapse of conditional rights, as the conditions were not met or became incapable of being satisfied. This development may impact the company’s capital structure and could have implications for its market positioning and stakeholder interests.

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
Nov 28, 2025

Liberty Financial Group Ltd has announced a new dividend distribution of AUD 0.075 per fully paid ordinary/unit stapled security, payable on December 19, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders and may enhance its attractiveness to investors seeking income-generating investments.

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 Group Announces Interim Quarterly Distribution
Nov 28, 2025

Liberty Group announced an interim quarterly unfranked distribution of 7.5 cents per security for the period ending 31 December 2025. This distribution will be paid to security holders on 19 December 2025, with a record date of 4 December 2025. This announcement reflects Liberty Group’s ongoing commitment to providing returns to its investors and may influence its market positioning by demonstrating financial stability and shareholder value.

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 Change and Securities Transfer
Nov 26, 2025

Liberty Financial Group Limited announced the cessation of Peter Hawkins as a director on both the Company Board and the RE Board, effective November 20, 2025. This change in directorship involves the transfer of interests in securities, including 20,000 stapled securities directly held and additional interests held through family trusts, totaling 378,600 stapled securities. This transition marks a significant shift in the company’s governance structure, potentially impacting its strategic direction and stakeholder interests.

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 Updates Company Constitution Following Shareholder Approval
Nov 24, 2025

Liberty Financial Group has announced amendments to its company constitution, which were approved by shareholders at the Annual General Meeting on November 20, 2025. This move aligns with the ASX Listing Rule 15.4.2 and reflects the company’s ongoing efforts to adapt its governance framework, potentially impacting its operational strategies and stakeholder engagement.

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 Successfully Concludes 2025 AGM with All Resolutions Passed
Nov 20, 2025

Liberty Financial Group Limited announced the successful passing of all resolutions at its 2025 Annual General Meeting. The meeting, which included the re-election and election of board members and the approval of various awards, reflects strong shareholder support and is likely to reinforce Liberty’s stable governance and strategic direction, benefiting stakeholders and solidifying its position in the finance industry.

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 Reports Strong Profit Growth and Strategic Advancements
Nov 20, 2025

Liberty Financial Group reported a strong financial performance for the year ending June 30, 2025, with a 16% increase in net profit after tax to $133 million, demonstrating resilience amid economic uncertainties. The company maintained a stable loan portfolio, expanded its net interest margin, and effectively managed costs, resulting in a 15.6% yield for securityholders. Liberty’s investment-grade rating was reaffirmed, and $4.5 billion in new funding was raised, positioning the company well for future growth. The company plans to leverage improving consumer sentiment and favorable interest rates, with continued investments in digital innovation and operational efficiency to enhance customer experience and support sustainable growth.

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 Appoints New Director
Oct 22, 2025

Liberty Financial Group Limited has announced the appointment of Michael Hawker to its company board effective October 16, 2025. The initial director’s interest notice indicates that Mr. Hawker currently holds no securities or relevant interests in the company, suggesting a focus on governance and strategic oversight rather than direct financial involvement.

The most recent analyst rating on (AU:LFG) stock is a Hold with a A$4.50 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 2025 AGM and Director Retirement
Oct 17, 2025

Liberty Financial Group Ltd has announced its 2025 Annual General Meeting and General Meeting of unitholders, scheduled for November 20, 2025, to be held both online and in person in Melbourne. The announcement also marks the retirement of Mr. Peter Hawkins, a long-serving director whose contributions have been pivotal to the company’s growth. The meetings will provide stakeholders with the opportunity to engage with the company’s leadership and participate in decision-making processes.

The most recent analyst rating on (AU:LFG) stock is a Hold with a A$4.50 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 Strengthens Board with Appointment of Michael Hawker
Oct 16, 2025

Liberty Financial Group Ltd has appointed Michael Hawker AM as a non-executive director, bringing his extensive 40-year experience in the financial services industry to the board. Hawker’s appointment is expected to enhance the company’s strategic direction and growth, leveraging his expertise in risk management, audit, sustainability, and technology transformation, which is anticipated to benefit Liberty’s operations and its stakeholders.

The most recent analyst rating on (AU:LFG) stock is a Hold with a A$4.50 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 Cessation of Securities Options
Oct 13, 2025

Liberty Financial Group Ltd announced the cessation of various securities options, with a total of 194,048 options ceasing due to expiration or lapse of conditional rights. This development may impact the company’s financial strategy and stakeholder interests, as the cessation of these securities could affect liquidity and market positioning.

The most recent analyst rating on (AU:LFG) stock is a Hold with a A$4.50 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 Issuance of Unquoted Equity Securities
Oct 13, 2025

Liberty Financial Group Ltd has announced the issuance and conversion of several batches of unquoted equity securities, totaling multiple thousands of units, over a series of dates in 2025. This move could potentially impact the company’s equity structure and market positioning, offering insights into its strategic financial maneuvers aimed at enhancing capital and stakeholder value.

The most recent analyst rating on (AU:LFG) stock is a Hold with a A$4.50 price target. To see the full list of analyst forecasts on Liberty Financial Group Ltd stock, see the AU:LFG Stock Forecast page.

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 23, 2025