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STOCKS

MA Financial Group Limited (AU:MAF)

ASX:MAF

MAF

MA Financial Group Limited

RESEARCH TOOLSreports

MA Financial Group Limited (MAF) Ratios

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9 Followers

MA Financial Group Limited Ratios

AU:MAF's free cash flow for Q4 2025 was AU$0.48. For the 2025 fiscal year, AU:MAF's free cash flow was decreased by AU$ and operating cash flow was AU$0.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	4.52	4.52	0.00	0.76	2.27
Quick Ratio	4.52	4.52	0.00	-4.83	-1.69
Cash Ratio	0.19	0.19	0.00	0.40	0.46
Solvency Ratio	<0.01	<0.01	0.01	0.01	0.03
Operating Cash Flow Ratio	-2.13	0.18	0.00	-2.50	-0.90
Short-Term Operating Cash Flow Coverage	-2.13	0.18	>-0.01	-3.15	-1.12
Net Current Asset Value	AU$ -1.11B	AU$ -1.11B	AU$ -5.37B	AU$ -2.77B	AU$ -1.12B
Leverage Ratios
Debt-to-Assets Ratio	0.78	0.78	0.76	0.62	0.45
Debt-to-Equity Ratio	19.22	19.22	10.92	5.60	2.45
Debt-to-Capital Ratio	0.95	0.95	0.92	0.85	0.71
Long-Term Debt-to-Capital Ratio	0.94	0.94	0.88	0.82	0.63
Financial Leverage Ratio	24.64	24.64	14.42	8.99	5.48
Debt Service Coverage Ratio	0.20	0.19	0.19	0.34	0.35
Interest Coverage Ratio	2.93	1.08	1.32	6.15	2.49
Debt to Market Cap	7.28	4.87	4.56	2.42	1.30
Interest Debt Per Share	52.18	56.12	29.80	14.60	6.52
Net Debt to EBITDA	16.39	16.59	13.77	11.79	7.25
Profitability Margins
Gross Profit Margin	67.73%	46.00%	26.14%	99.70%	40.79%
EBIT Margin	31.30%	27.37%	24.75%	17.80%	13.04%
EBITDA Margin	32.59%	28.51%	26.30%	19.82%	15.26%
Operating Profit Margin	48.75%	27.66%	26.30%	79.44%	13.04%
Pretax Profit Margin	1.89%	1.68%	4.70%	4.97%	7.84%
Net Profit Margin	0.66%	0.58%	3.46%	3.26%	5.76%
Continuous Operations Profit Margin	0.70%	0.62%	3.46%	3.26%	5.76%
Net Income Per EBT	34.59%	34.59%	73.48%	65.59%	73.57%
EBT Per EBIT	3.89%	6.07%	17.88%	6.26%	60.08%
Return on Assets (ROA)	0.09%	0.09%	0.69%	0.80%	2.00%
Return on Equity (ROE)	2.39%	2.25%	10.01%	7.17%	10.95%
Return on Capital Employed (ROCE)	8.38%	5.37%	5.28%	22.25%	5.26%
Return on Invested Capital (ROIC)	2.50%	1.60%	3.21%	66.03%	6.24%
Return on Tangible Assets	0.09%	0.09%	0.72%	0.84%	2.18%
Earnings Yield	0.87%	0.57%	4.24%	3.19%	6.16%
Efficiency Ratios
Receivables Turnover	85.01	95.97	14.11	10.13	1.91
Payables Turnover	16.05	16.20	19.69	2.98	7.20
Inventory Turnover	0.00	0.00	0.00	0.05	0.37
Fixed Asset Turnover	28.27	31.91	18.89	12.46	11.49
Asset Turnover	0.14	0.16	0.20	0.24	0.35
Working Capital Turnover Ratio	0.42	0.46	19.66	5.93	2.01
Cash Conversion Cycle	-18.45	-18.72	7.33	7.97K	1.14K
Days of Sales Outstanding	4.29	3.80	25.86	36.05	191.51
Days of Inventory Outstanding	0.00	0.00	0.00	8.06K	994.71
Days of Payables Outstanding	22.75	22.53	18.53	122.38	50.67
Operating Cycle	4.29	3.80	25.86	8.10K	1.19K
Cash Flow Ratios
Operating Cash Flow Per Share	-26.33	2.35	-0.02	-7.03	-1.77
Free Cash Flow Per Share	-26.39	2.28	-0.06	-7.05	-1.85
CapEx Per Share	0.06	0.07	0.04	0.03	0.08
Free Cash Flow to Operating Cash Flow	1.00	0.97	3.79	1.00	1.05
Dividend Paid and CapEx Coverage Ratio	-96.33	8.17	-0.06	-28.84	-6.48
Capital Expenditure Coverage Ratio	-415.68	35.24	-0.36	-273.45	-22.06
Operating Cash Flow Coverage Ratio	-0.52	0.04	>-0.01	-0.51	-0.28
Operating Cash Flow to Sales Ratio	-2.91	0.22	>-0.01	-1.29	-0.36
Free Cash Flow Yield	-389.81%	20.95%	-0.95%	-126.36%	-40.74%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	116.76	174.79	23.58	31.34	16.24
Price-to-Sales (P/S) Ratio	0.77	1.01	0.81	1.02	0.94
Price-to-Book (P/B) Ratio	2.62	3.93	2.36	2.25	1.78
Price-to-Free Cash Flow (P/FCF) Ratio	-0.26	4.77	-105.65	-0.79	-2.45
Price-to-Operating Cash Flow Ratio	-0.26	4.64	-400.95	-0.79	-2.57
Price-to-Earnings Growth (PEG) Ratio	-1.61	-2.30	0.53	-0.88	0.60
Price-to-Fair Value	2.62	3.93	2.36	2.25	1.78
Enterprise Value Multiple	18.74	20.15	16.87	16.94	13.38
Enterprise Value	9.66B	10.28B	5.37B	2.94B	1.59B
EV to EBITDA	18.69	20.15	16.87	16.94	13.38
EV to Sales	6.09	5.75	4.44	3.36	2.04
EV to Free Cash Flow	-2.09	27.03	-575.20	-2.60	-5.36
EV to Operating Cash Flow	-2.09	26.27	-2.18K	-2.61	-5.60
Tangible Book Value Per Share	1.44	1.52	1.38	1.66	1.40
Shareholders’ Equity Per Share	2.64	2.78	2.59	2.48	2.55
Tax and Other Ratios
Effective Tax Rate	0.63	0.63	0.27	0.29	0.26
Revenue Per Share	9.04	10.74	7.51	5.46	4.85
Net Income Per Share	0.06	0.06	0.26	0.18	0.28
Tax Burden	0.35	0.35	0.73	0.66	0.74
Interest Burden	0.06	0.06	0.19	0.28	0.60
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	<0.01	0.00	0.16	0.19	0.22
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.01	0.02
Income Quality	0.00	0.00	0.00	-39.46	-6.33

Currency in AUD