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MA Financial Group Limited (AU:MAF)
ASX:MAF
Australian Market

MA Financial Group Limited (MAF) AI Stock Analysis

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AU

MA Financial Group Limited

(Sydney:MAF)

Rating:51Neutral
Price Target:
AU$7.50
▲(4.75%Upside)
The overall score of 50.75 reflects significant financial challenges, including high debt and negative cash flows, partially offset by positive technical analysis indicating strong market momentum. The valuation suggests a fair market price, although the high P/E ratio may point to overvaluation.

MA Financial Group Limited (MAF) vs. iShares MSCI Australia ETF (EWA)

MA Financial Group Limited Business Overview & Revenue Model

Company DescriptionMA Financial Group Limited, together with its subsidiaries, provides various financial services. It operates through Asset Management, Lending, and Corporate Advisory and Equity segments. The Asset Management segment manages funds for institutional, high net worth and retail investors, real estate, hospitality, credit, listed equities, private equity, and venture capital. The Lending segment focuses on residential mortgage lending, specialty finance, and legal disbursement funding activities. The Corporate Advisory and Equities segment offers strategic and financial advisory services related to mergers and acquisitions; equity capital markets; debt capital markets; and restructuring and cash equity trading, as well as specializes in real estate, credit, technology and small to mid-cap industrial companies. It also provides securities research, sales, and trading execution services to institutional and high net worth clients.MA Financial Group Limited was founded in 2009 and is based in Sydney, Australia.
How the Company Makes MoneyMA Financial Group Limited generates revenue through several key streams. In asset management, the company earns management fees based on the assets under management (AUM) and performance fees tied to investment returns exceeding specified benchmarks. In lending, it makes money through interest income from loans provided to clients, including real estate lending and other tailored credit solutions. The corporate advisory segment contributes through fees collected for advising on mergers, acquisitions, restructurings, and capital raising activities. Additionally, MA Financial Group's equities division generates income from brokerage services, trading, and research. Strategic partnerships and joint ventures also play a role in expanding revenue opportunities, allowing the company to leverage partner networks and expertise to enhance service delivery and client reach.

MA Financial Group Limited Financial Statement Overview

Summary
MA Financial Group is facing financial challenges across various verticals. The income statement shows volatility in revenue and profit margins, the balance sheet is heavily leveraged, and cash flow issues persist. These factors combined suggest that the company needs to strategize on improving profitability, reducing debt, and enhancing liquidity to stabilize its financial health.
Income Statement
MA Financial Group exhibited a significant fluctuation in revenue and profit margins over the years. The recent year saw a drastic decline in revenue by approximately 64% compared to the previous year. The gross profit margin for the latest year was 100%, as the reported gross profit equaled total revenue. However, the net profit margin was around 13%, indicating challenges in maintaining profitability. The absence of EBIT and EBITDA figures could raise concerns about operational efficiency.
Balance Sheet
40
The balance sheet reveals a high debt-to-equity ratio of approximately 10.91, indicating a heavy reliance on debt financing, which poses a risk in terms of financial stability. The equity ratio stands at about 6.93%, suggesting limited equity in the company's capital structure. Return on Equity (ROE) was around 10%, reflecting moderate returns for shareholders, but the high leverage remains a concern.
Cash Flow
The cash flow statement indicates challenges in cash management, with negative free cash flow trends over the past years, and significant negative operating cash flow in recent periods. The absence of operating cash flow in the latest figures and consistently negative free cash flow highlight liquidity issues. The company needs to address these to ensure sustainable operations.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
316.08M875.04M274.20M199.93M142.78M
Gross Profit
316.08M-287.59M-186.55M170.48M123.93M
EBIT
0.00695.09M60.97M48.71M38.69M
EBITDA
0.00173.46M118.72M70.80M63.69M
Net Income Common Stockholders
41.79M28.52M44.85M32.04M26.48M
Balance SheetCash, Cash Equivalents and Short-Term Investments
231.99M341.55M311.69M250.20M160.89M
Total Assets
6.02B3.57B2.25B872.87M569.34M
Total Debt
4.56B2.23B1.01B416.61M273.44M
Net Debt
4.38B2.04B860.45M173.74M135.44M
Total Liabilities
5.60B3.11B1.84B502.84M332.49M
Stockholders Equity
417.53M397.54M409.59M370.03M236.86M
Cash FlowFree Cash Flow
-9.33M-1.13B-296.66M-44.75M29.57M
Operating Cash Flow
0.00-1.13B-283.80M-42.55M29.97M
Investing Cash Flow
4.41M19.29M-127.36M-162.60M-63.58M
Financing Cash Flow
-6.32M-6.34M311.28M201.87M45.25M

MA Financial Group Limited Technical Analysis

Technical Analysis Sentiment
Positive
Last Price7.16
Price Trends
50DMA
6.67
Positive
100DMA
6.94
Positive
200DMA
6.38
Positive
Market Momentum
MACD
0.15
Negative
RSI
57.19
Neutral
STOCH
70.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:MAF, the sentiment is Positive. The current price of 7.16 is above the 20-day moving average (MA) of 6.97, above the 50-day MA of 6.67, and above the 200-day MA of 6.38, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 57.19 is Neutral, neither overbought nor oversold. The STOCH value of 70.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:MAF.

MA Financial Group Limited 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
$12.86B9.797.78%16985.65%12.28%-7.82%
AUMAF
51
Neutral
AU$1.25B27.5910.26%2.79%31.89%45.79%
$2.04B17.294.84%2.45%
$3.50B32.263.85%4.08%
$1.52B-7.21%2.64%
DENNA
€813.07M5.9523.27%8.23%
DEPVQ
€1.20B-24.47%6.88%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:MAF
MA Financial Group Limited
7.16
2.75
62.36%
AMLTF
AMP Limited
0.81
0.13
19.12%
CFIGF
Challenger
4.53
0.33
7.86%
IOOFF
Insignia Financial Ltd
2.30
0.85
58.62%
DE:NNA
Magellan Financial Group Ltd
4.62
-0.11
-2.33%
DE:PVQ
Perpetual Limited
10.10
-2.11
-17.28%

MA Financial Group Limited Corporate Events

MA Financial Group Director Increases Shareholding
Jun 6, 2025

MA Financial Group Limited announced a change in the director’s interest, with Nikki Warburton acquiring an additional 5,550 ordinary shares through an on-market acquisition, bringing her total to 25,850 shares. This change reflects a strategic move by the director, potentially indicating confidence in the company’s future performance and stability, which could positively impact stakeholder perceptions and market positioning.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Announces AGM Results with Key Director Elections
May 29, 2025

MA Financial Group Limited, a company listed on the Australian Securities Exchange, held its Annual General Meeting on May 29, 2025. The meeting resulted in the successful re-election of Andrew Robert Pridham and Julian Biggins as directors, and the election of Cathy Yuncken as a new director. Additionally, the shareholders adopted the Remuneration Report, reflecting strong support for the company’s governance and executive compensation strategies.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Reports Strong Growth and Strategic Investments at 2025 AGM
May 29, 2025

MA Financial Group Limited announced strong growth and strategic investments during its 2025 Annual General Meeting. The company reported record client inflows into asset management funds, significant growth in its loan book, and increased deal flow in corporate advisory. Despite a slight increase in earnings per share, the company saw a 35% earnings increase in the second half of 2024, reflecting business momentum. Strategic investments in 2024, particularly in the residential mortgage lending business, have begun to yield results, with the loan book growing by 155%. The company plans to expand its US Private Credit investment business, tapping into the US$9 trillion specialty credit market. Additionally, MA Financial broadened its real estate management capabilities, with the MA Marina Fund and MA Redcape Hotel Fund showing strong performance.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Expands Real Estate Portfolio with IP Generation Acquisition
May 22, 2025

MA Financial Group Limited is set to expand its real estate asset management business through the acquisition of IP Generation. This strategic move is expected to leverage favorable macroeconomic conditions as the real estate sector recovers from challenges like higher interest rates and elevated construction costs, thus enhancing MA Financial’s position in the market and offering potential benefits to its stakeholders.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Announces Proposed Securities Issue to Bolster Capital
May 22, 2025

MA Financial Group Limited has announced a proposed issue of securities, with a maximum of 13,980,398 ordinary fully paid shares to be issued. This strategic move is aimed at strengthening the company’s capital base and potentially enhancing its market position, which could have significant implications for its operations and stakeholders.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Expands Real Estate Portfolio with IP Generation Acquisition
May 22, 2025

MA Financial Group Limited has announced the acquisition of IP Generation, a real estate investment management firm specializing in Australian shopping centres. This strategic move increases MA Financial’s assets under management to over $12 billion, enhancing its scale and capabilities in the real estate sector. The acquisition is expected to bolster MA Financial’s presence in Melbourne and provide significant growth opportunities due to favorable market conditions. IP Generation’s senior executives will remain in leadership roles, ensuring continuity and leveraging their expertise to benefit the combined entity’s investors.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Initiates Trading Halt Pending Major Announcement
May 22, 2025

MA Financial Group Limited (ASX: MAF) has requested a trading halt on its securities pending an announcement about a potential significant transaction. This halt will remain in place until the announcement is made or until normal trading resumes on 26 May 2025. The company has not provided specific details about the transaction but indicates that the announcement will be significant enough to warrant the halt. This move suggests a potentially impactful development for MA Financial Group, which could influence its market position and stakeholder interests.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Explores Acquisition of IP Generation
May 21, 2025

MA Financial Group Limited is in discussions to potentially acquire IP Generation, a real estate asset manager with $2 billion in assets under management. While no binding agreements have been made, the acquisition, if it proceeds, will not require an equity raising, and the company will continue to update the market as per its disclosure obligations.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Updates on Substantial Holding and Free Float Status
May 13, 2025

MA Financial Group Limited announced a change in its substantial holding and provided a free float analysis, revealing that 62% of its total issued capital is available for trade. The company acknowledged a delay in filing the notice due to an internal oversight and committed to providing future updates on its free float status, which is crucial for stakeholders to understand the liquidity and trading potential of its shares.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Announces Share Transfer in Pre-IPO Trust
May 13, 2025

MA Financial Group Limited announced a transfer of shares by the trustee of a Pre-IPO Trust to its beneficiaries, fulfilling contractual obligations. The trustee, controlled by Vice Chairman Andrew Pridham, did not involve any personal disposal of shares, maintaining his economic interest unchanged. This move is part of routine adjustments in the trust’s shareholding structure, reflecting compliance with existing agreements and not affecting Pridham’s personal holdings.

The most recent analyst rating on (AU:MAF) stock is a Buy with a A$7.00 price target. To see the full list of analyst forecasts on MA Financial Group Limited stock, see the AU:MAF Stock Forecast page.

MA Financial Group Updates Substantial Holding and Free Float
May 8, 2025

MA Financial Group Limited announced a change in its substantial holding, with a free float of 61.9% of its total issued capital. This update reflects the company’s transparency in providing information on its share structure, which is significant for investors and stakeholders monitoring the company’s market activities.

MA Financial Group Updates Director’s Shareholding
May 8, 2025

MA Financial Group Limited announced a change in the director’s interest, with Julian Biggins acquiring 508,022 loan funded shares as part of the company’s long-term incentive arrangements for FY2024. This change, approved by shareholders, increases Biggins’ total relevant interest in ordinary shares to 2,738,915, reflecting the company’s commitment to aligning management incentives with shareholder interests.

MA Financial Group Announces Director’s Interest Change
May 8, 2025

MA Financial Group Limited announced a change in the director’s interest, specifically for Christopher Wyke, due to the issuance of loan-funded shares as part of the long-term incentive arrangements for FY2024. This change increases Wyke’s total securities to 17,592,980 ordinary shares, reflecting the company’s commitment to aligning management incentives with shareholder interests.

MA Financial Group to Quote Over 2 Million New Securities on ASX
May 8, 2025

MA Financial Group Limited has announced the quotation of 2,082,892 ordinary fully paid securities on the Australian Securities Exchange (ASX). These securities are issued under an employee incentive scheme and will be available for trading despite any transfer restrictions. This move is expected to enhance the company’s market presence and provide additional liquidity, potentially benefiting stakeholders by aligning employee interests with company performance.

MA Financial Group Director Reduces Shareholding
May 5, 2025

MA Financial Group Limited announced a change in the director’s interest, specifically involving the sale of 219,726 ordinary shares by Director Christopher Wyke, resulting in a consideration of $1,415,902.72. This transaction reflects a reduction in Mr. Wyke’s direct interest in the company, with his total securities holding now at 17,084,958 shares. The sale may impact the company’s stock dynamics and stakeholder perceptions, although the overall strategic positioning of MA Financial Group remains focused on delivering value through its core financial services.

MA Financial Group Announces Director’s Share Sale
May 5, 2025

MA Financial Group Limited has announced a change in the director’s interest, specifically involving the sale of 88,360 ordinary shares by Director Julian Biggins, valued at $552,303.02. This transaction reflects a minor adjustment in the director’s holdings, with implications for the company’s shareholding structure, though it does not significantly alter the overall beneficial equity interest.

MA Financial Group’s Trust Share Sale Maintains Pridham’s Stake
May 5, 2025

MA Financial Group Limited announced that the trustee of a Pre-IPO Trust, controlled by Vice Chairman Andrew Pridham, sold shares on behalf of the trust’s beneficiaries to fulfill contractual obligations. This transaction does not affect Mr. Pridham’s personal economic interest in the company, maintaining his stake and influence within MA Financial.

MA Financial Group Announces Change in Substantial Holder Interests
Apr 29, 2025

MA Financial Group Limited has announced a change in the interests of its substantial holder, with a decrease in voting power from 11.30% to 10.20% as of April 28, 2025. This adjustment in voting shares reflects a shift in the company’s shareholder dynamics, potentially impacting its governance and strategic decision-making processes.

MA Financial Group Announces 2025 AGM Details
Apr 24, 2025

MA Financial Group Limited has announced its upcoming Annual General Meeting (AGM) scheduled for May 29, 2025, at their Sydney office. Shareholders are invited to attend in person or participate via a live webcast, although voting will only be available for those attending in person. The company has provided a Notice of Meeting and a Voting Form, which can be accessed online or requested in hard copy. Shareholders are encouraged to submit questions in advance, with a deadline of May 22, 2025, for submissions.

MA Financial Group Issues New Unquoted Equity Securities
Apr 14, 2025

MA Financial Group Limited has announced the issuance of 5,705 unquoted equity securities, with the issue date set for January 17, 2025. This move is part of the company’s ongoing strategy to manage its capital structure and enhance its financial flexibility, potentially impacting its market position and offering new opportunities for stakeholders.

MA Financial Group Issues Unquoted Equity Securities to Employees
Apr 14, 2025

MA Financial Group Limited has announced the issuance of unquoted equity securities under an employee incentive scheme. This move involves the allocation of share appreciation rights and performance share rights, which are subject to transfer restrictions. The issuance aims to align employee interests with company performance, potentially enhancing stakeholder value and reinforcing the company’s competitive position in the financial services sector.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.