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$3.00
▼(-29.25% Downside)
Action:Reiterated
Date: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
Robust gross and operating margins
Liberty's exceptionally high gross margin and resilient EBIT/EBITDA margins indicate durable operational efficiency and pricing power in its credit services. Sustained margins provide a buffer against revenue shocks, supporting long-term profitability, reinvestment capacity, and the ability to service obligations over the next several months.
Negative Factors
Severe revenue contraction
A near-42% revenue drop is a material structural headwind that undermines scale economics, reduces bargaining leverage, and pressures future earnings capacity. If revenue trends persist, the company may face difficulty sustaining investments, retaining market share, and leveraging existing margin strengths over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Robust gross and operating margins
Liberty's exceptionally high gross margin and resilient EBIT/EBITDA margins indicate durable operational efficiency and pricing power in its credit services. Sustained margins provide a buffer against revenue shocks, supporting long-term profitability, reinvestment capacity, and the ability to service obligations over the next several months.
Read all positive factors
Liberty Financial Group Ltd (LFG) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$953.30M
Dividend Yield11.83%
Average Volume (3M)106.02K
Price to Earnings (P/E)6.6
Beta (1Y)0.55
Revenue Growth-4.02%
EPS Growth17.32%
CountryAU
Employees528
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.47
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
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
null...
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
3.38
Negative
3.59
Negative
3.81
Negative
Market Momentum
-0.07
Positive
37.38
Neutral
20.20
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 3.24, above the 50-day MA of 3.38, and above the 200-day MA of 3.81, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 37.38 is Neutral, neither overbought nor oversold. The STOCH value of 20.20 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% | |
59 Neutral | AU$767.79M | 8.16 | 10.55% | 4.81% | 3.49% | -12.05% | |
57 Neutral | AU$750.19M | 7.09 | 12.70% | 11.71% | -8.26% | 5.26% | |
56 Neutral | AU$143.95M | 10.00 | 20.23% | ― | 20.39% | -42.91% | |
52 Neutral | AU$935.76M | 9.95 | 7.72% | 6.60% | 8.89% | 334.62% | |
50 Neutral | AU$953.30M | 6.58 | 12.13% | 11.83% | -4.02% | 17.32% | |
43 Neutral | AU$68.27M | -1.36 | -43.76% | ― | 17.04% | -121.43% |
* Financial Sector Average
AU:LFG
Liberty Financial Group Ltd
3.14
0.45
16.86%
AU:CCP
Credit Corp Group Limited
11.28
-1.77
-13.58%
AU:PLT
Plenti Group Ltd.
0.79
-0.09
-10.23%
AU:PPM
Pepper Money Ltd
1.67
0.22
15.41%
AU:LFS
Latitude Group Holdings Ltd.
0.90
-0.12
-11.94%
AU:MME
MoneyMe Ltd.
0.08
-0.06
-40.00%
Liberty Financial Group Ltd Corporate Events
Liberty Financial Group Declares Quarterly Distribution of AUD 0.075
May 31, 2026
Liberty Financial Group has declared a quarterly distribution of AUD 0.075 per fully paid stapled security, payable on 22 June 2026 to investors on the register as of 5 June, with an ex‑date of 4 June. The announcement underscores the compan...
Liberty Group Declares Interim Quarterly Distribution to Securityholders
May 31, 2026
Liberty Group has declared an interim quarterly unfranked distribution of 7.5 cents per security from the Liberty Financial Group Trust for the three-month period ending 30 June 2026. The distribution will be paid on 22 June 2026 to securityholder...
Liberty Financial Issues 3.65 Million Unquoted Options Under Employee Scheme
Apr 16, 2026
Liberty Financial Group has notified the market of the issue of 3,647,679 unquoted options under its employee incentive scheme, with various exercise prices and expiry dates. The options, which are not intended to be quoted on the ASX and are sche...
Liberty Financial Issues New Stapled Securities from Option Conversions
Apr 16, 2026
Liberty Financial Group has reported the conversion of a series of unquoted options or other unquoted convertible securities into fully paid stapled ordinary securities. The newly issued LFG securities, totalling just over 21,000 units across seve...
Liberty Financial Group Details Cessation of LFGAA Options
Apr 16, 2026
Liberty Financial Group has notified the market of the cessation of a series of LFGAA options, which were scheduled to expire on various dates between December 2025 and February 2026. The cancellations cover multiple small tranches of options, ref...
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.