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

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AU:LFG

Liberty Financial Group Ltd

(Sydney:LFG)

Rating:74Outperform
Price Target:
AU$4.50
▲(15.68% Upside)
Liberty Financial Group Ltd's stock is supported by strong technical momentum and attractive valuation metrics. However, financial performance is mixed with growth potential tempered by high leverage and cash flow concerns. Investors should weigh the strong technical and valuation aspects against the financial risks.

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

Liberty Financial Group Ltd Business Overview & Revenue Model

Company DescriptionLiberty Financial Group Ltd (LFG) is a diversified financial services company that operates across various sectors including banking, insurance, and investment management. The company offers a broad range of products and services such as personal and commercial banking, wealth management, and life insurance solutions. LFG aims to provide comprehensive financial solutions to individuals, businesses, and institutions, leveraging its expertise and innovative approach to meet the evolving needs of its clients.
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 financial challenges. High leverage and negative cash flows pose considerable risks, despite operational efficiency. Revenue volatility and declining profitability metrics indicate a need for strategic adjustments.
Income Statement
45
Neutral
Revenue has shown volatility with a significant drop in the recent year, impacting stability. Gross profit margin is strong, but net profit margin has declined. EBIT and EBITDA margins remain robust, indicating operational efficiency. However, the revenue growth rate is negative, pointing to challenges in maintaining revenue streams.
Balance Sheet
40
Negative
The company is highly leveraged with a high debt-to-equity ratio, posing financial risk. Equity ratio reflects low equity relative to assets, indicating potential vulnerability. Return on equity has decreased, suggesting challenges in generating returns on shareholders’ equity.
Cash Flow
35
Negative
Operating cash flow is negative, which is concerning for liquidity and sustainability. Free cash flow is also negative, indicating potential issues in covering operations and investments. The ratios of cash flows to net income are unfavorable, highlighting inefficiencies in converting profits into cash.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue1.04B1.46B1.23B855.58M833.16M830.76M
Gross Profit908.96M1.20B995.25M624.53M623.32M286.22M
EBITDA1.10B1.06B859.41M731.14M689.43M179.00M
Net Income123.41M115.81M181.52M219.63M185.92M46.53M
Balance Sheet
Total Assets16.36B16.31B15.69B14.33B13.57B13.01B
Cash, Cash Equivalents and Short-Term Investments767.24M1.58B1.34B904.29M923.57M12.17B
Total Debt10.39B14.57B14.03B12.81B12.25B11.74B
Total Liabilities15.16B15.11B14.52B13.21B12.53B12.01B
Stockholders Equity1.19B1.20B1.17B1.12B1.04B1.00B
Cash Flow
Free Cash Flow-633.13M-932.57M-442.74M-483.76M128.64M189.95M
Operating Cash Flow-631.52M-929.69M-435.63M-480.30M132.96M194.33M
Investing Cash Flow49.43M30.03M-12.85M-15.40M-24.37M-757.40M
Financing Cash Flow496.50M497.67M1.14B-68.38M-3.19M255.88M

Liberty Financial Group Ltd Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3.89
Price Trends
50DMA
3.42
Positive
100DMA
3.26
Positive
200DMA
3.25
Positive
Market Momentum
MACD
0.12
Positive
RSI
67.96
Neutral
STOCH
87.49
Negative
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 3.89 is above the 20-day moving average (MA) of 3.79, above the 50-day MA of 3.42, and above the 200-day MA of 3.25, indicating a bullish trend. The MACD of 0.12 indicates Positive momentum. The RSI at 67.96 is Neutral, neither overbought nor oversold. The STOCH value of 87.49 is Negative, 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 (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
AU$1.18B9.5710.43%6.43%10.37%-9.02%
67
Neutral
$17.01B11.609.79%3.95%10.63%1.62%
€675.97M10.2611.07%
73
Outperform
AU$198.92M7.9171.90%22.94%
65
Neutral
AU$852.26M8.5611.75%6.39%3.70%-10.93%
53
Neutral
AU$112.01M7.17-13.74%-14.61%-325.81%
51
Neutral
AU$1.20B55.292.49%2.61%11.26%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:LFG
Liberty Financial Group Ltd
3.89
0.56
16.82%
DE:2RC
Credit Corp Group Limited
8.45
-0.21
-2.42%
AU:PLT
Plenti Group Ltd.
1.11
0.41
58.57%
AU:PPM
Pepper Money Ltd
1.92
0.72
60.00%
AU:LFS
Latitude Group Holdings Ltd.
1.15
0.03
2.68%
AU:MME
MoneyMe Ltd.
0.14
0.06
75.00%

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: Jul 28, 2025