Liberty Financial Group Ltd (AU:LFG)
ASX:LFG
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Liberty Financial Group Ltd
(Sydney:LFG)
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Rating:50Neutral
Price Target:
AU$3.50
▼(-17.45% Downside)
Action:ReiteratedDate: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
High operating margins
Reported 100% gross margin and robust EBIT/EBITDA margins indicate strong unit economics and operational efficiency. Durable margins help preserve profitability even with weaker top-line, supporting medium-term ability to fund operations, reinvest and cover obligations if revenue stabilises.
Negative Factors
Severe revenue decline
A 41.95% drop in revenue is a major structural concern, indicating lost volume, pricing pressure or market-share erosion. Sustained top-line decline undermines scalability, reduces operating leverage, constrains reinvestment capacity and makes maintaining margins and profits harder over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
High operating margins
Reported 100% gross margin and robust EBIT/EBITDA margins indicate strong unit economics and operational efficiency. Durable margins help preserve profitability even with weaker top-line, supporting medium-term ability to fund operations, reinvest and cover obligations if revenue stabilises.
Read all positive factors
Liberty Financial Group Ltd (LFG) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$1.06B
Dividend Yield11.83%
Average Volume (3M)106.02K
Price to Earnings (P/E)4.1
Beta (1Y)0.63
Revenue Growth2.11%
EPS Growth15.71%
CountryAU
Employees528
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.25
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$4.20Price Target Upside-0.94% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.5
Revenue Forecast (FY)AU$630.26M
Liberty Financial Group Ltd Business Overview & Revenue Model
Company Description
Liberty 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 mor...
How the Company Makes Money
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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 | 1.03B | 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
4.24
Price Trends
3.72
Negative
3.86
Negative
3.80
Negative
Market Momentum
-0.07
Negative
42.79
Neutral
35.29
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 4.24 is above the 20-day moving average (MA) of 3.53, above the 50-day MA of 3.72, and above the 200-day MA of 3.80, indicating a bearish trend. The MACD of -0.07 indicates Negative momentum. The RSI at 42.79 is Neutral, neither overbought nor oversold. The STOCH value of 35.29 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$146.68M | 6.29 | 72.15% | ― | 19.38% | ― | |
59 Neutral | AU$685.43M | 5.42 | 10.55% | 4.81% | 5.01% | 85.56% | |
57 Neutral | AU$786.13M | 9.15 | 12.70% | 11.71% | -6.49% | -5.40% | |
52 Neutral | AU$961.75M | 11.50 | 7.72% | 6.60% | 14.81% | ― | |
50 Neutral | AU$1.06B | 4.10 | 12.13% | 11.83% | 2.11% | 15.71% | |
43 Neutral | AU$65.83M | -1.10 | -43.76% | ― | -9.56% | -392.31% |
* Financial Sector Average
AU:LFG
Liberty Financial Group Ltd
3.50
0.38
12.25%
AU:CCP
Credit Corp Group Limited
10.07
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Plenti Group Ltd.
0.81
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1.75
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41.93%
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AU:MME
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-40.00%
Liberty Financial Group Ltd Corporate Events
Liberty Financial Group Trust Lifts Half-Year Net Assets and Maintains Stable Operations
Feb 23, 2026
Liberty Financial Group Trust, an Australian managed investment scheme specialising in securitised and warehouse trust investments, is overseen by Responsible Entity Liberty Fiduciary Ltd from its Melbourne headquarters. The trust’s governan...
Liberty Financial Group Announces Quarterly Distribution of AUD 0.075 per Security
Feb 22, 2026
Liberty Financial Group has declared a quarterly distribution of AUD 0.075 per fully paid ordinary stapled security for the period ending 31 March 2026, reinforcing its practice of providing regular cash returns to investors. The distribution will...
Liberty Group Declares Interim Quarterly Distribution to Securityholders
Feb 22, 2026
Liberty Group, a diversified finance provider in Australia and New Zealand, focuses on lending, insurance and investment services across retail and business segments, supported by significant access to global capital markets. Its broad product sui...
Liberty Group Lifts Half-Year Profit and Returns on Equity
Feb 22, 2026
Liberty Group, a diversified Australian and New Zealand finance provider spanning mortgages, motor vehicle finance, personal and business loans, broking, insurance and investments, reported interim results for the six months to 31 December 2025. T...
Liberty Financial boosts profit and returns on strong margins and funding
Feb 22, 2026
Liberty Financial Group reported solid first‑half results to 31 December 2025, highlighting its role as a major non‑bank lender across mortgages, vehicle finance, personal and business lending, broking, insurance and investments in Aus...
Liberty Financial Group Adds 252,348 Stapled Securities Through Conversion of Unquoted Equity
Jan 15, 2026
Liberty Financial Group has notified the ASX of the issue and transfer of several tranches of fully paid stapled ordinary securities following the conversion or exercise of previously unquoted equity instruments. Across multiple dates in November ...
Liberty Financial Group Reports Expiry and Lapse of Option Securities
Jan 15, 2026
Liberty Financial Group has notified the ASX that a series of LFGAA options, carrying various expiry dates and exercise prices, have ceased, primarily through expiry without being exercised or the lapse of conditional rights that could not be sati...
Liberty Financial Group Reports Expiry and Lapse of Option Securities
Jan 15, 2026
Liberty Financial Group has notified the ASX that a series of LFGAA options, carrying various expiry dates and exercise prices, have ceased, primarily through expiry without being exercised or the lapse of conditional rights that could not be sati...
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 o...
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 cons...
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 s...
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 compan...
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.