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N1 Holdings Ltd. (AU:N1H)
ASX:N1H
Australian Market

N1 Holdings Ltd. (N1H) AI Stock Analysis

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AU

N1 Holdings Ltd.

(Sydney:N1H)

Rating:63Neutral
Price Target:
N1 Holdings Ltd. demonstrates strong revenue growth and cash flow efficiency, which are significant strengths. The key risks include high leverage and a low equity ratio, which could impact financial stability. The stock's technical indicators show potential for a rebound due to being oversold. Valuation metrics suggest the stock is undervalued, providing a potential upside for investors.

N1 Holdings Ltd. (N1H) vs. iShares MSCI Australia ETF (EWA)

N1 Holdings Ltd. Business Overview & Revenue Model

Company DescriptionN1 Holdings Limited provides mortgage broking services to customers in Australia. It offers home loans, including purchase and refinance; short term business loans for SME's; commercial lending products and services; car loan and equipment finance services; business lending services; and commercial and residential property loans, as well as off-market lending services. The company also provides trustee services, such as information memorandum production, offer documents production, custody services, and fund administration and accounting services. In addition, it offers migration and education consultation services under the N1 Migration name; and fund management services under the N1 Venture name; and financial advisory services; and rental property management and property sales agent services. The company was founded in 2011 and is based in Sydney, Australia.
How the Company Makes MoneyN1 Holdings Ltd. generates revenue through multiple streams within the financial services sector. The primary source of income is from its mortgage broking services, where the company earns commissions and fees from facilitating home loans and refinancing options for clients. Additionally, the real estate advisory segment contributes to revenue by charging consultancy fees for property investment advice and strategic planning. The commercial finance division further enhances earnings by providing tailored lending solutions to businesses, often earning interest income and arrangement fees. Strategic partnerships with financial institutions and real estate developers also play a significant role in driving earnings, enhancing the company's ability to offer competitive products and expand its client base.

N1 Holdings Ltd. Financial Statement Overview

Summary
N1 Holdings Ltd. exhibits strong revenue growth and cash flow generation, indicating operational efficiency. However, high leverage and a low equity ratio present financial risks. While profitability is improving, optimizing the net profit margin remains a priority.
Income Statement
65
Positive
N1 Holdings Ltd. has shown a strong revenue growth rate from the previous period, increasing from AUD 4.05M to AUD 18.55M, indicating significant growth. The gross profit margin is high at 94%, suggesting efficient cost management. However, the net profit margin is relatively low at 5.85%, implying that expenses other than cost of goods sold are impacting profitability. The EBIT margin is robust at 71.47%, although the lack of EBITDA data limits a complete margin analysis.
Balance Sheet
55
Neutral
The company has a high debt-to-equity ratio of 64.08, which indicates significant leverage and potential financial risk. The equity ratio is low at 1.47%, showing limited equity financing. Return on equity is high at 64.32%, but this is primarily due to the low equity base, which can magnify returns but also risks.
Cash Flow
70
Positive
N1 Holdings Ltd. has demonstrated a remarkable turnaround in free cash flow, shifting from negative to positive, with a significant growth rate. The operating cash flow to net income ratio is strong at 6.81, suggesting efficient cash generation from operations. The free cash flow to net income ratio is 6.79, reinforcing the company's ability to convert profits into cash, which is a positive indicator for financial health.
BreakdownTTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income Statement
Total Revenue21.02M18.55M4.05M4.32M2.98M4.21M
Gross Profit19.82M17.43M4.05M4.32M3.93M3.29M
EBITDA14.89M13.26M0.005.81M1.48M-172.32K
Net Income1.16M1.09M340.94K1.10M139.57K-1.82M
Balance Sheet
Total Assets102.04M114.62M90.22M79.91M15.54M13.48M
Cash, Cash Equivalents and Short-Term Investments15.19M13.53M7.08M14.14M3.58M3.20M
Total Debt96.21M108.09M85.02M75.30M15.43M14.15M
Total Liabilities100.02M112.93M89.63M79.28M17.01M15.10M
Stockholders Equity2.02M1.69M591.66K624.74K-1.48M-1.62M
Cash Flow
Free Cash Flow3.52M7.37M-6.15M11.84M1.09M3.29M
Operating Cash Flow3.58M7.38M-6.06M11.85M1.20M3.37M
Investing Cash Flow-273.92K70.99K526.06K213.32K-66.26K-191.06K
Financing Cash Flow-628.88K-940.30K-1.59M-1.14M-702.82K-1.31M

N1 Holdings Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.12
Price Trends
50DMA
0.12
Positive
100DMA
0.12
Positive
200DMA
0.12
Negative
Market Momentum
MACD
<0.01
Positive
RSI
80.30
Negative
STOCH
>-0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:N1H, the sentiment is Positive. The current price of 0.12 is below the 20-day moving average (MA) of 0.12, above the 50-day MA of 0.12, and below the 200-day MA of 0.12, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 80.30 is Negative, neither overbought nor oversold. The STOCH value of >-0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:N1H.

N1 Holdings Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
AUWTL
75
Outperform
AU$44.48M11.7113.04%1.54%33.80%-8.26%
AUAFG
74
Outperform
AU$563.20M18.8915.01%3.65%9.49%-0.36%
AUFID
74
Outperform
AU$303.36M17.9730.97%4.56%12.05%23.63%
67
Neutral
$17.07B11.919.69%3.75%11.66%-9.47%
AUN1H
63
Neutral
AU$10.13M8.7173.12%4.43%35.43%59.04%
AUSEQ
59
Neutral
AU$44.49M-1.84%11.11%22.21%41.18%
AUKBC
43
Neutral
AU$9.72M1.4091.73%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:N1H
N1 Holdings Ltd.
0.12
0.06
100.00%
AU:AFG
Australian Finance Group Ltd.
2.08
0.80
62.50%
AU:WTL
WT Financial Group Ltd.
0.13
0.05
62.50%
AU:KBC
Keybridge Capital Limited
0.05
>-0.01
-16.67%
AU:SEQ
Sequoia Financial Group Ltd.
0.36
-0.02
-5.26%
AU:FID
Fiducian Group Ltd
9.61
2.44
34.03%

N1 Holdings Ltd. Corporate Events

N1 Holdings Ltd Enhances Private Credit Operations with AI
Apr 29, 2025

N1 Holdings Ltd has announced a strategic focus on scaling its private credit operations by integrating artificial intelligence to improve efficiency and distribution. This move is expected to strengthen its market position and potentially offer enhanced value to stakeholders by optimizing operational processes.

N1 Holdings Reports Strong FYTD Performance Amid Market Challenges
Apr 29, 2025

N1 Holdings Limited reported a net profit of approximately $501,000 and revenue of $14.66 million for the fiscal year-to-date ending March 2025, reflecting a 12.05% increase from the previous year. Despite challenges such as higher funding costs and market volatility, the company has successfully streamlined expenses, reduced funding costs, and expanded its funding capacity. It continues to focus on maintaining portfolio quality and liquidity by lending only against Australian properties. The SME lending business remains the primary revenue driver, accounting for 91% of total cash receipts. The company is also enhancing its operational processes to support scalable growth and improve transaction quality.

N1 Holdings Announces Sydney Registry Office Relocation
Apr 15, 2025

N1 Holdings Limited has announced a change in the address of its Sydney registry office to Liberty Place, effective from April 14, 2025. This relocation requires all documentation lodgements by member organizations, securityholders, and other parties to be made at the new address. The move is part of the company’s ongoing operations and does not affect telephone numbers or postal addresses.

N1 Holdings Sees Revenue and Profit Surge in Half-Year Report
Feb 21, 2025

N1 Holdings Limited reported a notable financial performance for the half-year ending December 31, 2024, with revenues increasing by 25.4% to approximately $10.63 million and profit after tax growing by 13.2% to $632,535. The company declared a dividend of 0.003 cents per security and improved its net tangible assets per ordinary security from 0.79 cents to 1.48 cents over the year. Additionally, N1 Holdings gained control over N1 WH4 Pty Ltd in August 2024, marking a significant expansion in its operational capacity.

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.Date of analysis: Apr 22, 2025