Liberty Financial Group Ltd (LFG) AI Stock Analysis

• Market Cap: AU$1.23B
• Dividend Yield: 6.91%
• Average Volume (3M): 106.02K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 0.32
• Revenue Growth: 2.11%
• EPS Growth: 15.71%
• Country: AU
• Employees: 528
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.22
• Shares Outstanding: 303,600,000
• 10 Day Avg. Volume: 230,968
• 30 Day Avg. Volume: 106,018
• PEG Ratio: 0.48
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 1.68
• P/FCF Ratio: 8.74
• 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$4.32
• Price Target Upside: 7.46% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 50 Neutral
• Price Target: AU$4.00 ▼(-0.50% 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.

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 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 Money

Liberty 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 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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	604.51M	604.51M	1.46B	1.23B	868.94M	852.97M
Gross Profit	604.51M	604.51M	1.46B	995.25M	637.89M	643.12M
EBITDA	1.09B	1.09B	1.06B	859.41M	731.14M	689.43M
Net Income	133.97M	133.97M	115.81M	181.52M	219.63M	185.92M
Balance Sheet
Total Assets	16.24B	16.24B	16.31B	15.69B	14.33B	13.57B
Cash, Cash Equivalents and Short-Term Investments	1.55B	1.55B	1.58B	1.34B	661.33M	12.89B
Total Debt	14.71B	14.71B	14.57B	14.03B	12.81B	12.25B
Total Liabilities	15.05B	15.05B	15.11B	14.52B	13.21B	12.53B
Stockholders Equity	1.20B	1.20B	1.20B	1.17B	1.12B	1.04B
Cash Flow
Free Cash Flow	116.36M	116.36M	-932.57M	-442.74M	-483.76M	128.64M
Operating Cash Flow	118.08M	118.08M	-929.69M	-435.63M	-480.30M	132.96M
Investing Cash Flow	25.89M	25.89M	30.03M	-12.85M	-15.40M	-24.37M
Financing Cash Flow	-196.46M	-196.46M	497.67M	1.14B	-68.38M	-3.19M

Liberty Financial Group Ltd Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 4.02
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:LFG, the sentiment is Neutral. The current price of 4.02 is below the 20-day moving average (MA) of 4.13, below the 50-day MA of 4.24, and above the 200-day MA of 3.51, indicating a neutral trend. The MACD of -0.07 indicates Positive momentum. The RSI at 43.14 is Neutral, neither overbought nor oversold. The STOCH value of 24.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PLT	67 Neutral	AU$237.74M	9.44	71.90%	―	22.94%	―
PPM	65 Neutral	AU$1.10B	11.01	12.11%	7.68%	-6.49%	-5.40%
CCP	60 Neutral	AU$929.11M	9.87	11.07%	4.98%	5.01%	85.56%
LFG	50 Neutral	AU$1.23B	9.18	11.19%	6.91%	2.11%	15.71%
LFS	46 Neutral	AU$1.18B	20.05	5.01%	6.17%	14.81%	―
MME	42 Neutral	AU$89.11M	-1.32	-42.59%	―	-9.56%	-392.31%

Liberty Financial Group Ltd Corporate Events

Liberty Financial Group Appoints New Director

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

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

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

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

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.

Liberty Financial Group Releases 2025 Corporate Governance Statement

Liberty Financial Group Limited has released its corporate governance statement for the financial year ending June 30, 2025, which is now accessible on their website. This statement, approved by the board, outlines the company’s adherence to the ASX Corporate Governance Council’s recommendations, highlighting their commitment to transparency and accountability in management and oversight practices.

The most recent analyst rating on (AU:LFG) stock is a Buy with a A$4.45 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 Affirms Commitment to Corporate Governance

Liberty Financial Group Ltd has released its annual report, highlighting its commitment to adhering to the ASX’s Corporate Governance Principles and Recommendations. This announcement underscores the company’s dedication to maintaining high standards of corporate governance, which is crucial for its operational integrity and stakeholder trust.

The most recent analyst rating on (AU:LFG) stock is a Buy with a A$4.45 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 Ltd has announced a new dividend distribution of AUD 0.075 per fully paid ordinary/unit stapled security. The dividend is related to the quarter ending on September 30, 2025, with the ex-date set for September 29, 2025, and payment scheduled for October 15, 2025. This announcement may positively impact stakeholders by providing a return on investment and reflects the company’s ongoing commitment to shareholder value.

The most recent analyst rating on (AU:LFG) stock is a Buy with a A$4.45 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 Shifts to Quarterly Distributions

Liberty Group has announced a shift to quarterly distributions, with an interim unfranked distribution of 7.5 cents per security for the period ending 30 September 2025. This change from twice-yearly to quarterly distributions is aimed at demonstrating the company’s stability and commitment to providing consistent returns to its securityholders, reflecting confidence in its financial durability under current market conditions.

The most recent analyst rating on (AU:LFG) stock is a Buy with a A$4.45 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 Schedules 2025 AGM and Director Elections

Liberty Financial Group Ltd has announced that its 2025 Annual General Meeting will be held on November 20, 2025, where shareholders and unitholders will convene. A key agenda item will be the election of directors, with nominations closing on October 1, 2025. This meeting is significant for stakeholders as it will shape the company’s leadership and potentially influence its strategic direction.

The most recent analyst rating on (AU:LFG) stock is a Buy with a A$4.45 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 Stake with Significant Purchase

Liberty Financial Group Limited announced a change in the director’s interest, with Peeyush Gupta acquiring 38,160 additional stapled securities through an on-market purchase. This acquisition increases Gupta’s total holdings to 113,273 stapled securities, reflecting a significant personal investment and indicating confidence in the company’s future prospects.

The most recent analyst rating on (AU:LFG) stock is a Buy with a A$4.45 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 0.15. The ex-date for this distribution is set for August 28, 2025, with the record date on August 29, 2025, and payment scheduled for September 15, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders and may positively impact its market positioning by reinforcing investor confidence.

The most recent analyst rating on (AU:LFG) stock is a Buy 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 Updates Dividend Distribution for June 2025

Liberty Financial Group has announced an update regarding its dividend distribution for the period ending June 30, 2025. The announcement confirms the actual distribution amount for its fully paid ordinary units stapled securities, following a previous announcement in June. This update is significant for stakeholders as it provides clarity on the financial returns for the specified period, potentially impacting investor decisions and market perceptions.

The most recent analyst rating on (AU:LFG) stock is a Buy 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 Acknowledges Traditional Owners in FY25 Results

Liberty Financial Group has released its full-year results for FY25, acknowledging the traditional owners of the country throughout Australia and their continuing connections to the lands, waters, cultures, and communities. The announcement reflects the company’s respect for indigenous communities and highlights its commitment to recognizing their sovereignty.

The most recent analyst rating on (AU:LFG) stock is a Buy 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 Reports Strong FY25 Results with 16% NPAT Increase

Liberty Financial Group reported a 16% increase in statutory net profit after tax (NPAT) to $133 million for the fiscal year ending June 30, 2025, and a 10% rise in underlying NPAT to $145 million. The company attributes this growth to a stable loan portfolio, an expanded net interest margin, and strong cost discipline, despite a competitive lending environment and economic uncertainties. Liberty’s capital and liquidity remain robust, with $4.5 billion in new funding raised and a BBB investment grade rating maintained. The company declared a final unfranked distribution and a fully franked special dividend, totaling a 15.6% yield for security holders. CEO James Boyle expressed optimism for continued success in FY26, citing recovered consumer confidence and potential interest rate reductions.

The most recent analyst rating on (AU:LFG) stock is a Buy 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 Reports Strong FY25 Results and Announces Dividends

Liberty Group reported a strong financial performance for the fiscal year ending June 30, 2025, with a 16% increase in statutory net profit after tax (NPAT) to $133 million and a 10% rise in underlying NPAT to $145 million. The company announced a final unfranked distribution and a second fully franked special dividend, reflecting its robust financial health and commitment to returning value to its stakeholders.

The most recent analyst rating on (AU:LFG) stock is a Buy 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 Reports Strong Financial Performance for FY 2025

Liberty Group has announced its financial results for the year ending 30 June 2025, reporting a 2.1% increase in revenue from ordinary activities to $1,492.7 million and a 15.7% rise in net profit after tax to $133.3 million compared to the previous year. This robust financial performance underscores Liberty’s strong market position and operational efficiency, reflecting positively on its strategic initiatives and providing confidence to stakeholders regarding its future growth prospects.

The most recent analyst rating on (AU:LFG) stock is a Buy 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.