Liberty Financial Group Ltd (LFG) AI Stock Analysis

• Market Cap: AU$1.12B
• Dividend Yield: 10.81%
• Average Volume (3M): 65.61K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 0.20
• Revenue Growth: 10.37%
• EPS Growth: -9.02%
• Country: AU
• Employees: 528
• Sector: Financial
• Sector Strength: 75
• Industry: Financial - Credit Services
• EPS (TTM): 0.21
• Shares Outstanding: 303,600,000
• 10 Day Avg. Volume: 26,821
• 30 Day Avg. Volume: 65,608
• PEG Ratio: -0.36
• Price to Book (P/B): 0.94
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -2.49
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$4.30
• Price Target Upside: 16.22% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 62 Neutral
• Price Target: AU$4.00 ▲(8.11%Upside)

The overall stock score is driven primarily by strong technical analysis indicators and attractive valuation metrics, despite significant financial performance concerns. The bullish momentum and undervaluation offer potential upside, but the financial instability poses risks that investors should carefully consider.

Liberty Financial Group Ltd Business Overview & Revenue Model

Company Description

Liberty Financial Group Ltd (LFG) is a leading diversified financial services company that operates across various sectors including banking, insurance, and investment management. With a focus on delivering innovative financial solutions, LFG offers a range of products and services such as personal and commercial banking, life and general insurance, asset management, and financial advisory services. The company is committed to empowering its clients with financial stability and growth opportunities, leveraging its extensive network and expertise in the financial industry.

How the Company Makes Money

Liberty Financial Group Ltd generates revenue through a diverse range of financial products and services. Key revenue streams include interest income from personal and commercial loans, fees and commissions from banking services, premiums from insurance policies, and management fees from asset management services. The company also earns income from investment activities, including trading and portfolio management. Strategic partnerships with other financial institutions and technology firms enhance LFG's product offerings and market reach, contributing significantly to its earnings. Additionally, LFG's investment in digital transformation and customer-centric solutions drives operational efficiency and customer acquisition, further bolstering its revenue generation capabilities.

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

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

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

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.

Breakdown	TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement
Total Revenue	1.04B	1.46B	1.23B	855.58M	833.16M	830.76M
Gross Profit	908.96M	1.20B	995.25M	624.53M	623.32M	286.22M
EBITDA	1.10B	1.06B	859.41M	731.14M	689.43M	179.00M
Net Income	123.41M	115.81M	181.52M	219.63M	185.92M	46.53M
Balance Sheet
Total Assets	16.36B	16.31B	15.69B	14.33B	13.57B	13.01B
Cash, Cash Equivalents and Short-Term Investments	767.24M	1.58B	1.34B	904.29M	923.57M	12.17B
Total Debt	10.39B	14.57B	14.03B	12.81B	12.25B	11.74B
Total Liabilities	15.16B	15.11B	14.52B	13.21B	12.53B	12.01B
Stockholders Equity	1.19B	1.20B	1.17B	1.12B	1.04B	1.00B
Cash Flow
Free Cash Flow	-633.13M	-932.57M	-442.74M	-483.76M	128.64M	189.95M
Operating Cash Flow	-631.52M	-929.69M	-435.63M	-480.30M	132.96M	194.33M
Investing Cash Flow	49.43M	30.03M	-12.85M	-15.40M	-24.37M	-757.40M
Financing Cash Flow	496.50M	497.67M	1.14B	-68.38M	-3.19M	255.88M

Liberty Financial Group Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 3.7 is above the 20-day moving average (MA) of 3.55, above the 50-day MA of 3.21, and above the 200-day MA of 3.20, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 70.49 is Negative, neither overbought nor oversold. The STOCH value of 76.67 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PLT	77 Outperform	AU$166.98M	6.56	71.90%	―	22.94%	―
CCP	73 Outperform	€1.02B	9.51	13.05%	4.29%	6.70%	126.16%
Sector *	68 Neutral	$16.73B	11.75	9.79%	3.76%	11.87%	-7.97%
PPM	65 Neutral	AU$816.75M	8.34	11.75%	5.43%	3.70%	-10.93%
LFG	62 Neutral	AU$1.12B	9.08	10.43%	10.81%	10.37%	-9.02%
MME	53 Neutral	AU$116.01M	7.17	-13.74%	―	-14.61%	-325.81%
LFS	48 Neutral	AU$1.20B	55.05	2.49%	2.61%	11.26%	―

Liberty Financial Group Ltd Corporate Events

Liberty Financial Group Announces Cessation of Securities

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

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

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

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.