Want to see AU:LFS full AI Analyst Report?
Top Page
Latitude Group Holdings Ltd.
(Sydney:LFS)
Select Model
Select Model
Rating:52Neutral
Price Target:
AU$0.91
▼(-14.25% Downside)
Action:Reiterated
Date:08/04/26
The score is primarily held back by financial risk factors—very high leverage and persistently negative operating/free cash flow—despite a clear earnings rebound in 2025. Technical signals are neutral-to-slightly weak, while valuation is a positive offset due to the low P/E and high dividend yield.
Positive Factors
Return to Profitability
A clear earnings rebound in 2025 demonstrates the company can restore profitability after prior losses. Durable earnings provide a thicker cushion for credit losses, support regulatory capital metrics and improve access to markets and funding over the next several quarters.
Negative Factors
Very high leverage
Debt levels materially exceed equity, leaving limited balance-sheet flexibility. High leverage elevates refinancing, interest-rate and covenant risk; a tightening credit market or weaker earnings could quickly strain liquidity and force costly capital actions.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to Profitability
A clear earnings rebound in 2025 demonstrates the company can restore profitability after prior losses. Durable earnings provide a thicker cushion for credit losses, support regulatory capital metrics and improve access to markets and funding over the next several quarters.
Read all positive factors
Latitude Group Holdings Ltd. (LFS) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$935.76M
Dividend Yield11.11%
Average Volume (3M)100.36K
Price to Earnings (P/E)10.0
Beta (1Y)0.07
Revenue Growth8.89%
EPS Growth334.62%
CountryAU
Employees742
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.09
Shares Outstanding1,039,732,900
10 Day Avg. Volume21,108
30 Day Avg. Volume100,356
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)0.89
Price to Sales (P/S)0.89
P/FCF Ratio-3.33
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)0.12
Revenue Forecast (FY)AU$889.22M
Latitude Group Holdings Ltd. Business Overview & Revenue Model
Company Description
Latitude Group Holdings Limited is a financial services enterprise active across Australia and New Zealand, specializing in both installment payment options and a broad array of credit facilities. The company offers diverse installment solutions t...
How the Company Makes Money
null...
Latitude Group Holdings Ltd. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
34
Negative
Cash Flow
29
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.21B | 477.20M | 407.30M | 927.80M | 957.40M |
| Gross Profit | 1.07B | 477.20M | 239.60M | 822.50M | 861.40M |
| EBITDA | 540.90M | 519.10M | 309.10M | 406.00M | 464.00M |
| Net Income | 94.00M | 21.60M | -158.50M | 37.70M | 160.90M |
Balance Sheet | |||||
| Total Assets | 8.14B | 7.88B | 7.35B | 7.92B | 8.02B |
| Cash, Cash Equivalents and Short-Term Investments | 300.70M | 410.20M | 250.70M | 364.00M | 689.30M |
| Total Debt | 6.63B | 6.32B | 5.75B | 6.09B | 5.87B |
| Total Liabilities | 6.92B | 6.66B | 6.11B | 6.45B | 6.45B |
| Stockholders Equity | 1.22B | 1.22B | 1.23B | 1.47B | 1.56B |
Cash Flow | |||||
| Free Cash Flow | -325.10M | -399.20M | 290.20M | -314.80M | 347.50M |
| Operating Cash Flow | -318.10M | -379.30M | 307.20M | -289.90M | 431.70M |
| Investing Cash Flow | -7.00M | -19.90M | 10.90M | 39.40M | -238.70M |
| Financing Cash Flow | 227.50M | 563.10M | -409.40M | 400.00K | -55.80M |
Latitude Group Holdings Ltd. Technical Analysis
Negative
1.06
Price Trends
0.91
Negative
0.91
Negative
0.95
Negative
Market Momentum
>-0.01
Negative
48.58
Neutral
30.00
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 0.90, above the 50-day MA of 0.91, and above the 200-day MA of 0.95, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 48.58 is Neutral, neither overbought nor oversold. The STOCH value of 30.00 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
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% | |
67 Neutral | AU$293.04M | 9.56 | 9.32% | 7.73% | -8.03% | 65.07% | |
64 Neutral | AU$815.40M | 7.58 | 12.70% | 15.82% | -8.26% | 5.26% | |
56 Neutral | AU$212.04M | 7.49 | 5.04% | 2.84% | ― | -18.89% | |
52 Neutral | AU$935.76M | 9.96 | 7.72% | 6.60% | 8.89% | 334.62% | |
51 Neutral | AU$3.41B | 32.67 | 15.91% | ― | 28.84% | ― | |
50 Neutral | AU$986.70M | 6.91 | 12.13% | 15.15% | -4.02% | 17.32% |
* Financial Sector Average
AU:LFS
Latitude Group Holdings Ltd.
0.90
-0.14
-13.54%
AU:SVR
Money3 Corporation Limited
1.59
0.13
9.05%
AU:HUM
Humm Group Limited
0.42
-0.13
-23.99%
AU:ZIP
Zip Co Ltd.
2.79
-0.47
-14.42%
AU:PPM
Pepper Money Ltd
1.82
0.06
3.29%
AU:LFG
Liberty Financial Group Ltd
3.25
-0.42
-11.42%
Latitude Group Holdings Ltd. Corporate Events
Latitude Sets October Quarterly Distribution on Capital Notes 2
Jul 29, 2026
Latitude Group Holdings Ltd. has announced a new quarterly distribution for its ASX-listed Latitude Capital Notes 2, security code LFSPB, with a payment amount of AUD 1.5347 per note. The distribution covers the quarter ending 27 October 2026 and ...
Latitude Declares Quarterly Distribution on Hybrid Capital Notes
Jul 29, 2026
Latitude Group Holdings Ltd., an ASX-listed financial services company, offers credit and lending solutions and raises funding via perpetual, non-cumulative capital notes such as its LFSPA securities. These hybrid instruments form part of Latitude...
Latitude hit with A$20m penalty over misleading Latitude GO Mastercard advertising
Jul 28, 2026
Latitude Group Holdings, an Australian consumer finance company best known for its Latitude GO Mastercard, operates in the retail credit and consumer lending segment. The ASX-listed group targets individuals seeking flexible payment and credit opt...
Latitude Group Appoints Timothy John Eastwood as New Director
Jul 22, 2026
Latitude Group Holdings Ltd. has announced the appointment of Timothy John Eastwood as a director effective 22 July 2026, formalising the change in its board composition in line with ASX disclosure requirements. The filing confirms that Eastwood h...
Latitude Discloses Director Beaux Pontak’s Exit With No Share Interests
Jul 22, 2026
Latitude Group Holdings Limited has announced that director Beaux Richard Joseph Pontak ceased to be a director on 22 July 2026, as disclosed to the ASX under listing rule obligations. The final director’s interest notice confirms Pontak hol...
Latitude Group refreshes board with new Deutsche Bank representative
Jul 22, 2026
Latitude Group Holdings has announced a boardroom change, with Deutsche Bank representative Beaux Pontak resigning as non-executive director effective 22 July 2026. Pontak has served on the board since 2015, contributing deep expertise in financia...
Latitude Corrects FY25 Governance Filing to Reflect Board Independence Gap
Jul 3, 2026
Latitude Group Holdings has corrected a discrepancy in its FY25 corporate governance disclosures, confirming that its eight-member board includes only four independent directors and therefore does not comply with ASX Corporate Governance Council r...
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.