Latitude Group Holdings Ltd. (LFS) AI Stock Analysis

• Market Cap: AU$1.05B
• Dividend Yield: 6.6%
• Average Volume (3M): 100.36K
• Price to Earnings (P/E): 17.8
• Beta (1Y): -0.01
• Revenue Growth: 14.81%
• EPS Growth: N/A
• Country: AU
• Employees: 742
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.04
• Shares Outstanding: 1,039,732,900
• 10 Day Avg. Volume: 21,108
• 30 Day Avg. Volume: 100,356
• PEG Ratio: -0.48
• Price to Book (P/B): 0.98
• Price to Sales (P/S): 2.51
• P/FCF Ratio: -3.00
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 46 Neutral
• Price Target: AU$1.00 ▼(-5.66% Downside)

Latitude Group Holdings Ltd. faces significant financial challenges with declining revenues and high leverage, which are the most impactful factors. Technical indicators suggest bearish momentum, while valuation offers some attractiveness due to a high dividend yield. The absence of earnings call data and corporate events limits further insights.

Positive Factors

Operational Efficiency

Improved EBIT and EBITDA margins indicate better operational efficiency, which can enhance profitability and competitiveness over the long term.

Gross Profit Margin

A consistently high gross profit margin suggests strong pricing power and cost management, supporting sustainable profitability.

Equity Ratio Improvement

An improved equity ratio indicates increased financial stability, which can enhance the company's ability to manage debt and invest in growth.

Negative Factors

Revenue Decline

A significant decline in revenue over recent years suggests challenges in market demand or competitive positioning, impacting long-term growth prospects.

High Financial Leverage

High financial leverage increases risk, limiting financial flexibility and potentially impacting the company's ability to invest in future opportunities.

Negative Cash Flow

Negative cash flow highlights liquidity challenges, which can constrain operational capabilities and hinder strategic investments over time.

Latitude Group Holdings Ltd. Business Overview & Revenue Model

Company Description

Latitude Group Holdings Limited operates in instalments and lending business in Australia and New Zealand. It provides various installment products to support customers, the merchants, and other commercial partners. The company also offers lending products comprising credit cards, personal loans, and motor loans through commercial partners, as well as various channels, such as direct, online, and by phone. In addition, it provides debt consolidation, home renovation, and travel loans, as well as insurance services. The company was incorporated in 2015 and is based in Docklands, Australia. Latitude Group Holdings Limited operates as a subsidiary of KVD Singapore Pte. Ltd.

How the Company Makes Money

Latitude Group Holdings generates revenue primarily through the interest and fees associated with its lending products. The company earns income from the interest charged on personal loans and credit products, which is a significant part of its revenue model. Additionally, Latitude Group earns fees from merchants for retail finance solutions, where it facilitates point-of-sale financing options for customers. The company has established partnerships with various retailers and service providers to expand its reach and increase transaction volumes. Furthermore, Latitude Group may also generate revenue through ancillary services related to its financial products, such as insurance offerings and account management fees, contributing to its overall earnings.

Latitude Group Holdings Ltd. Financial Statement Overview

Summary

Latitude Group Holdings Ltd. is facing financial challenges with declining revenues and high leverage. Despite operational improvements and profitability in the latest year, cash flow issues and high debt levels pose risks. The company needs to enhance revenue growth and manage debt to strengthen financial health.

Income Statement

Latitude Group Holdings Ltd. has experienced a significant decline in revenue since 2019, with a noticeable drop from $1.31 billion in 2019 to $477 million in 2024. Gross profit margin remained high at 100% in 2024, but the net profit margin improved to 4.52% compared to negative margins in previous years. The company also showed an improvement in EBIT and EBITDA margins in 2024, indicating better operational efficiency recently, despite previous losses.

Balance Sheet

The company's debt-to-equity ratio remains high, with total debt exceeding stockholders' equity significantly, reflecting high financial leverage. However, the equity ratio improved slightly to 15.53% in 2024 from previous years, indicating a modest increase in stability. Return on equity has fluctuated but was higher in 2024 compared to the negative ROE in 2023, signaling a recovery in profitability.

Cash Flow

Latitude Group Holdings Ltd. faced challenges with negative free cash flow in 2024, following a positive free cash flow in 2023. The operating cash flow to net income ratio was negative in 2024, suggesting struggles in translating income into operational cash. The free cash flow to net income ratio was also negative, highlighting potential liquidity issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	528.00M	477.20M	407.30M	927.80M	957.40M	1.13B
Gross Profit	528.00M	477.20M	239.60M	822.50M	861.40M	985.90M
EBITDA	550.80M	519.10M	309.10M	406.00M	464.00M	458.30M
Net Income	58.80M	21.60M	-158.50M	37.70M	160.90M	45.20M
Balance Sheet
Total Assets	7.93B	7.88B	7.35B	7.92B	8.02B	7.74B
Cash, Cash Equivalents and Short-Term Investments	287.80M	410.20M	250.70M	364.00M	689.30M	494.70M
Total Debt	5.62B	6.32B	5.75B	6.09B	5.87B	6.86B
Total Liabilities	6.72B	6.66B	6.11B	6.45B	6.45B	6.51B
Stockholders Equity	1.22B	1.22B	1.23B	1.47B	1.56B	1.23B
Cash Flow
Free Cash Flow	-352.80M	-399.20M	290.20M	-314.80M	347.50M	1.23B
Operating Cash Flow	-328.40M	-379.30M	307.20M	-289.90M	431.70M	1.30B
Investing Cash Flow	-24.40M	-19.90M	10.90M	39.40M	-238.70M	-43.20M
Financing Cash Flow	419.40M	563.10M	-409.40M	400.00K	-55.80M	-1.12B

Latitude Group Holdings Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.06
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:LFS, the sentiment is Negative. The current price of 1.06 is above the 20-day moving average (MA) of 1.03, below the 50-day MA of 1.08, and below the 200-day MA of 1.10, indicating a bearish trend. The MACD of -0.02 indicates Negative momentum. The RSI at 39.84 is Neutral, neither overbought nor oversold. The STOCH value of 38.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:LFS.

Latitude Group Holdings 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$216.81M	6.10	95.31%	―	19.38%	―
CCP	57 Neutral	AU$974.72M	10.36	11.07%	4.81%	5.01%	85.56%
HUM	56 Neutral	AU$377.51M	10.63	7.83%	2.84%	7.64%	463.49%
PPM	56 Neutral	AU$884.58M	8.87	12.11%	11.71%	-6.49%	-5.40%
LFG	50 Neutral	AU$1.24B	9.25	11.19%	11.83%	2.11%	15.71%
LFS	46 Neutral	AU$1.05B	17.84	5.01%	6.60%	14.81%	―

Latitude Group Holdings Ltd. Corporate Events

Latitude Group Sets April 2026 Distribution on Capital Notes

Latitude Group Holdings Limited has announced a new quarterly distribution for its Latitude Capital Notes (ASX: LFSPA), a perpetual, non-cumulative note paying a margin of 4.75% over 3-month BBSW, with a distribution amount of AUD 1.4778 per note. The payment, which remains at the company’s absolute discretion, is scheduled for 27 April 2026, with an ex-date of 16 April 2026 and a record date of 17 April 2026, underscoring Latitude’s ongoing servicing of its hybrid capital instruments and its continued engagement with noteholders as a source of funding.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.96 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Schedules FY25 Full-Year Results Briefing for 20 February

Latitude Group Holdings Ltd has announced it will release its full-year financial results for the year ended 31 December 2025 on 20 February 2026, with Managing Director and CEO Bob Belan and CFO Guillaume Leger to host an investor and analyst briefing at 10:30am AEDT. The company will provide a live webcast and pre-registered conference call for participants, and the presentation materials and a replay of the briefing will be made available via the ASX and Latitude’s investor website, underscoring its ongoing engagement with the investment community and commitment to transparent disclosure of financial performance.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.96 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Ltd. Announces Cessation of Securities

Latitude Group Holdings Ltd. announced the cessation of 110,618 securities, specifically CAP NOTE 3-BBSW+4.75% PERP NON-CUM RED T-10-26, due to an on-market buy-back effective December 5, 2025. This move is part of the company’s capital management strategy, potentially impacting its financial structure and signaling a focus on optimizing shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Updates on Securities Buy-Back Program

Latitude Group Holdings Ltd. has announced an update regarding its ongoing buy-back program, specifically detailing the daily buy-back of securities. The company reported buying back a total of 226 securities on the previous day, adding to the 110,195 securities already bought back. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Ltd. Announces Daily Securities Buy-Back

Latitude Group Holdings Ltd. has announced a daily buy-back of its securities, specifically the CAP NOTE 3-BBSW+4.75% PERP NON-CUM RED T-10-26. This move is part of their ongoing strategy to manage capital efficiently and potentially enhance shareholder value. The buy-back reflects the company’s confidence in its financial position and market conditions, indicating a proactive approach to maintaining a balanced capital structure.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Updates on Buy-Back Program

Latitude Group Holdings Ltd. has announced an update regarding its ongoing buy-back program. The company reported the purchase of 572 securities on the previous day, adding to a total of 108,226 securities bought back before that day. This buy-back initiative is part of Latitude Group’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Ltd. Updates on Securities Buy-Back

Latitude Group Holdings Ltd. has announced an update regarding its ongoing buy-back of securities, specifically the CAP NOTE 3-BBSW+4.75% PERP NON-CUM RED T-10-26. As of the latest update, the company has bought back a total of 107,826 securities, with an additional 400 securities purchased on the previous day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Updates on Securities Buy-Back Program

Latitude Group Holdings Ltd. has announced an update on its ongoing on-market buy-back program, which involves the repurchase of its securities. As of the latest update, the company has bought back a total of 106,907 securities, with an additional 150 securities repurchased on the previous day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Updates on Daily Buy-Back Activity

Latitude Group Holdings Ltd. has announced a daily update on its ongoing on-market buy-back program. The company reported the buy-back of 162 securities on the previous day, adding to a total of 106,745 securities bought back before that day. This buy-back initiative is part of Latitude Group Holdings’ strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Updates on Securities Buy-Back Program

Latitude Group Holdings Ltd. has announced an update on its ongoing securities buy-back program. The company reported the buy-back of 807 securities on the previous day, adding to a total of 105,868 securities bought back to date. This move is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Ltd. Updates on Securities Buy-Back

Latitude Group Holdings Ltd. has announced an update regarding its ongoing buy-back of securities. As of November 7, 2025, the company has repurchased a total of 104,778 securities, with an additional 1,090 securities bought back on the previous day. This buy-back activity reflects Latitude Group Holdings Ltd.’s strategic financial management efforts, potentially impacting its market positioning and shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Updates on Buy-Back Program

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. The company reported the purchase of 862 securities on the previous day, adding to a total of 101,114 securities bought back before that day. This buy-back initiative reflects Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Updates on Buy-Back Program

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. The company has repurchased a total of 100,905 securities before the previous day and an additional 209 securities on the previous day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure effectively, potentially enhancing shareholder value by reducing the number of outstanding securities.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Ltd. Updates on Buy-Back Program

Latitude Group Holdings Ltd. announced an update regarding its ongoing on-market buy-back program. As of the latest update, the company has repurchased a total of 100,585 securities, with an additional 320 securities bought back on the previous day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Expands Buy-Back Program

Latitude Group Holdings Ltd. has announced an update to its buy-back program, extending and upsizing it. This move indicates the company’s strategy to manage its capital structure and potentially enhance shareholder value. The buy-back involves on-market purchases of specific securities, reflecting Latitude Group’s commitment to optimizing its financial operations.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.

Latitude Group Holdings Announces New Capital Notes Distribution

Latitude Group Holdings Ltd. announced a new distribution for its Capital Notes, with a payment of AUD 1.4561 scheduled for January 27, 2026. This distribution reflects the company’s ongoing financial strategies and may impact its market positioning by potentially enhancing investor confidence. The payment is subject to the company’s discretion, indicating a strategic approach to capital management.

The most recent analyst rating on (AU:LFS) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Latitude Group Holdings Ltd. stock, see the AU:LFS Stock Forecast page.