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Latitude Group Holdings Ltd. (AU:LFS)
ASX:LFS
Australian Market

Latitude Group Holdings Ltd. (LFS) AI Stock Analysis

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AU

Latitude Group Holdings Ltd.

(Sydney:LFS)

Rating:46Neutral
Price Target:
AU$1.00
â–¼(-10.71%Downside)
Latitude Group Holdings Ltd. faces significant financial challenges with high leverage and liquidity issues, reflected in a low financial performance score. Technical analysis provides a neutral outlook with mixed indicators. The high P/E ratio suggests overvaluation despite a moderate dividend yield.

Latitude Group Holdings Ltd. (LFS) vs. iShares MSCI Australia ETF (EWA)

Latitude Group Holdings Ltd. Business Overview & Revenue Model

Company DescriptionLatitude 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 MoneyLatitude Group Holdings Ltd. generates revenue primarily through interest income and fees associated with its financial products. The company earns interest income from loans and credit card balances, which is a significant component of its revenue model. Additionally, Latitude collects fees from various services such as late payment fees, annual card fees, and merchant service fees for its payment solutions. Key partnerships with retail companies also play a crucial role in its earnings by facilitating point-of-sale financing options to customers, thereby expanding its reach and customer base. These partnerships often involve revenue-sharing arrangements that further enhance Latitude's revenue streams.

Latitude Group Holdings Ltd. Financial Statement Overview

Summary
Latitude Group Holdings Ltd. is facing financial challenges with declining revenues and high leverage. Despite recent improvements in profitability and operational efficiency, cash flow issues and high debt levels present significant risks. The company needs to focus on enhancing revenue growth and managing its debt for better financial health.
Income Statement
45
Neutral
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
50
Neutral
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
40
Negative
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
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
477.20M407.30M927.80M957.40M1.13B
Gross Profit
477.20M239.60M822.50M861.40M985.90M
EBIT
141.70M15.80M300.70M371.20M365.30M
EBITDA
519.10M298.80M406.00M464.00M458.30M
Net Income Common Stockholders
21.60M-158.50M37.70M160.90M45.20M
Balance SheetCash, Cash Equivalents and Short-Term Investments
410.20M250.70M364.00M689.30M507.60M
Total Assets
7.88B7.35B7.92B8.02B7.74B
Total Debt
6.32B5.75B6.09B5.87B5.93B
Net Debt
5.91B5.49B5.72B5.26B5.42B
Total Liabilities
6.66B6.11B6.45B6.45B6.51B
Stockholders Equity
1.22B1.23B1.47B1.56B1.23B
Cash FlowFree Cash Flow
-399.20M290.20M-314.80M347.50M1.23B
Operating Cash Flow
-379.30M307.20M-289.90M431.70M1.30B
Investing Cash Flow
-19.90M10.90M39.40M-238.70M-43.20M
Financing Cash Flow
563.10M-409.40M400.00K-55.80M-1.12B

Latitude Group Holdings Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price1.12
Price Trends
50DMA
1.13
Negative
100DMA
1.13
Negative
200DMA
1.13
Negative
Market Momentum
MACD
>-0.01
Negative
RSI
47.61
Neutral
STOCH
85.61
Negative
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 1.12 is below the 20-day moving average (MA) of 1.12, below the 50-day MA of 1.13, and below the 200-day MA of 1.13, indicating a bearish trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 47.61 is Neutral, neither overbought nor oversold. The STOCH value of 85.61 is Negative, 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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
64
Neutral
$12.73B9.927.90%78.88%12.06%-7.95%
AULFS
46
Neutral
AU$1.17B54.332.49%2.65%11.26%―
$54.65B11.949.75%6.14%――
DEPVQ
€1.10B―-24.47%7.48%――
$15.16B16.079.52%2.75%――
$74.48B15.739.85%4.69%――
DE2RC
€494.70M7.4113.05%4.72%――
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:LFS
Latitude Group Holdings Ltd.
1.12
>-0.01
-0.88%
ANZGF
ANZ Group Holdings
17.64
-0.42
-2.33%
DE:PVQ
Perpetual Limited
9.20
-2.64
-22.30%
SNMYF
Suncorp Group
13.80
3.80
38.00%
WEBNF
Westpac Banking
20.98
4.16
24.73%
DE:2RC
Credit Corp Group Limited
7.35
-1.46
-16.57%

Latitude Group Holdings Ltd. Corporate Events

Latitude Group Director Adjusts Shareholding
Jun 1, 2025

Latitude Group Holdings Limited announced a change in the director’s interest, specifically involving Robert Nicholas Belan, who sold 53,861 fully paid ordinary shares on the market. This transaction reduced his total holdings to 8,770,686 shares. The sale, valued at $60,830, reflects a minor adjustment in the director’s investment portfolio, with no significant impact on the company’s operations or market positioning.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.95 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
May 30, 2025

Latitude Group Holdings Ltd. has announced a daily update on its ongoing on-market buy-back program. The company reported purchasing 970 securities on the previous day, adding to a total of 32,178 securities bought back. This buy-back initiative may impact the company’s capital structure and shareholder value, reflecting a strategic move to optimize its financial position.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.95 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
May 28, 2025

Latitude Group Holdings Ltd. has announced an update on its ongoing on-market buy-back program for its 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 31,721 securities before the previous day, with an additional 457 securities purchased 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 Sell with a A$0.95 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
May 27, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. As of May 28, 2025, the company has repurchased a total of 31,721 securities, including 253 securities bought back on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.95 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 Program
May 27, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing buy-back program, specifically detailing the daily buy-back of its securities. The company reported that it bought back 490 securities on the previous day, contributing to a total of 30,978 securities repurchased before that 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 Sell with a A$0.95 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
May 26, 2025

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. The update indicates that a total of 323 securities were bought back on the previous day, adding to the cumulative total of 30,655 securities bought back before that 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 Sell with a A$0.95 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
May 22, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back of securities, specifically the CAP NOTE 3-BBSW+4.75% PERP NON-CUM RED T-10-26. The company reported a total of 425 securities bought back on the previous day, adding to the cumulative total of 30,230 securities bought back before that day. This buy-back initiative is part of Latitude’s broader strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.95 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 Activities
May 21, 2025

Latitude Group Holdings Ltd. has announced an update on its ongoing on-market buy-back program, specifically detailing the daily buy-back activities. The company reported that a total of 1,239 securities were bought back on the previous day, adding to the cumulative total of 28,991 securities acquired before that day. This buy-back initiative is part of Latitude’s strategic financial management efforts, potentially impacting its capital structure and shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.95 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 Program
May 21, 2025

Latitude Group Holdings Ltd. has announced an update on its ongoing on-market buy-back program, detailing the daily buy-back of securities. The company bought back 1,846 securities on the previous day, adding to a total of 27,145 securities bought back before that 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 Sell with a A$0.95 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 Daily Buy-Back Program
May 19, 2025

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 495 securities on the previous day, adding to a total of 26,650 securities bought back before that 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 Sell with a A$0.95 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
May 19, 2025

Latitude Group Holdings Ltd. announced an update regarding its ongoing buy-back program, specifically detailing the daily buy-back notification for its securities. The company reported a total of 527 securities bought back on the previous day, adding to the 26,123 securities already repurchased. 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 Sell with a A$0.95 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
May 15, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. The company reported the repurchase of 1,254 securities on the previous day, adding to a total of 24,869 securities bought back prior to that day. This buy-back initiative is part of Latitude’s strategic financial management, potentially impacting its capital structure and shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.95 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
May 15, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. The company reported the repurchase of 894 securities on the previous day, adding to a total of 23,975 securities bought back prior to that. This buy-back activity reflects Latitude’s strategic efforts to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.95 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 Progress
May 13, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. As of May 14, 2025, the company has bought back a total of 23,975 securities, with 961 securities purchased on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:LFS) stock is a Sell with a A$0.95 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 Ongoing Buy-Back Program
May 12, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. The company reported the buy-back of 847 securities on the previous day, adding to a total of 22,167 securities bought back to date. 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 Sell with a A$0.95 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
May 11, 2025

Latitude Group Holdings Ltd. has announced an update on its ongoing on-market buy-back program, detailing the acquisition of 1,090 securities on the previous day, adding to a total of 21,077 securities bought back before that day. This buy-back initiative reflects the company’s strategy to manage its capital structure and potentially enhance shareholder value.

Latitude Group Holdings Ltd. Updates on Securities Buy-Back
May 9, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. The company reported that it bought back 585 securities on the previous day, adding to a total of 20,492 securities repurchased before that day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

Latitude Group Holdings Updates on Buy-Back Program
May 7, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. As of May 8, 2025, the company reported the purchase of 510 securities on the previous day, adding to a total of 19,982 securities bought back prior to that day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

Latitude Group Holdings Updates on Securities Buy-Back
May 6, 2025

Latitude Group Holdings Ltd. has announced an update on its ongoing on-market buy-back of securities, specifically targeting the LFSPA class. The company reported buying back a total of 920 securities on the previous day, adding to the 19,062 securities already acquired. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

Latitude Group Holdings Updates on Daily Buy-Back Program
May 6, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program, specifically detailing the daily buy-back of its securities. The company reported the purchase of 460 securities on the previous day, adding to a total of 18,602 securities bought back before the previous day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

Latitude Group Holdings Updates on Securities Buy-Back Program
May 1, 2025

Latitude Group Holdings Ltd. has announced an update on its ongoing buy-back program, specifically detailing the daily buy-back of securities. As of the latest update, the company has bought back a total of 17,719 securities before the previous day, with an additional 433 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.

Latitude Group Holdings Updates on Buy-Back Program
Apr 30, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing buy-back program. The company reported buying back a total of 890 securities on the previous day, adding to the 16,829 securities already bought back. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

Latitude Group Holdings Ltd. Updates on Buy-Back Program
Apr 30, 2025

Latitude Group Holdings Ltd. announced an update on its ongoing buy-back program, with a daily notification revealing the purchase of 355 securities on the previous day, adding to a total of 16,474 securities bought back to date. This buy-back initiative is part of the company’s strategy to optimize its capital structure, potentially enhancing shareholder value and signaling confidence in its financial stability.

Latitude Group Holdings Announces New Dividend Distribution
Apr 29, 2025

Latitude Group Holdings Ltd. announced a new dividend distribution for its security LFSPA, with a distribution amount of AUD 2.1556. The payment is scheduled for July 28, 2025, and is subject to the company’s discretion. This announcement reflects Latitude’s ongoing commitment to providing returns to its investors, potentially enhancing its attractiveness in the financial market.

Latitude CEO Plans Share Sale While Retaining Significant Stake
Apr 28, 2025

Latitude Group Holdings Limited, a financial services company, announced that its CEO, Robert Belan, plans to sell up to 900,000 shares in the company. Despite this sale, Mr. Belan will maintain a significant shareholding, retaining at least 8 million shares, which underscores his continued commitment to the company.

Latitude Group Holdings Ltd Announces 2025 AGM Results
Apr 23, 2025

Latitude Group Holdings Ltd announced the results of its 2025 Annual General Meeting, where all resolutions were carried with overwhelming support. This outcome reflects strong shareholder confidence in the company’s leadership and strategic direction, potentially reinforcing its position in the financial services industry.

Latitude Group Holdings Reports Strong 2024 Growth and Strategic Initiatives
Apr 23, 2025

Latitude Group Holdings Ltd. reported significant progress in 2024, with a 139% increase in Cash NPAT to $65.9 million, driven by strategic initiatives and favorable economic conditions. The company reinstated a dividend and anticipates continued growth in 2025, supported by interest rate cuts and ongoing strategic initiatives. The board remains committed to optimizing operations and enhancing shareholder value, with leadership changes and a focus on sustainability and compliance with new regulations.

Latitude Group Holdings Announces New Securities Issuance
Apr 22, 2025

Latitude Group Holdings Ltd. has announced a new issuance of 21,519 fully paid ordinary securities, which will be quoted on the Australian Securities Exchange. This move is part of a dividend or distribution plan and may impact the company’s market presence by potentially increasing liquidity and shareholder value.

Latitude Group Holdings Updates Dividend Distribution Details
Apr 2, 2025

Latitude Group Holdings Ltd. has updated its previous announcement regarding the dividend distribution for the period ending December 31, 2024. The update includes details on the currency exchange rate and Dividend Reinvestment Plan (DRP) price, with key dates such as the record date on March 24, 2025, and payment date yet to be specified. This update is crucial for stakeholders as it provides clarity on financial returns and investment opportunities.

Latitude Group Holdings Ltd. Updates on Buy-Back Program
Mar 27, 2025

Latitude Group Holdings Ltd. has announced an update regarding its ongoing on-market buy-back program. The company reported the purchase of 237 securities on the previous day, adding to a total of 16,097 securities bought back before that day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and enhance shareholder value.

Latitude Group Holdings Updates on Securities Buy-Back
Mar 26, 2025

Latitude Group Holdings Limited has announced an update regarding its ongoing on-market buy-back of securities. The company has bought back a total of 15,551 securities before the previous day and an additional 546 securities on the previous day. This buy-back is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

Latitude Group Holdings Announces Update on Securities Buy-Back
Mar 25, 2025

Latitude Group Holdings Ltd. announced an update on its ongoing on-market 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 15,551 securities, with 185 purchased on the previous day. This buy-back initiative is part of Latitude’s strategy to manage its capital structure and potentially enhance shareholder value.

Latitude Group Holdings Ltd. Updates on Daily Buy-Back Program
Mar 23, 2025

Latitude Group Holdings Ltd. has announced an update on its ongoing on-market buy-back program, specifically detailing the daily buy-back of its securities. The company has repurchased a total of 14,996 securities prior to the previous day and an additional 370 securities on the previous day. This buy-back initiative is part of Latitude’s broader strategy to manage its capital structure and enhance shareholder value.

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.