N1 Holdings Ltd. (AU:N1H)
ASX:N1H
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N1 Holdings Ltd.
(Sydney:N1H)
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Rating:50Neutral
Price Target:
AU$0.11
▼(-12.50% Downside)
Action:ReiteratedDate:03/24/26
The score is held back primarily by elevated balance-sheet leverage and inconsistent cash generation (including negative cash flow in FY2025), alongside weak technical momentum and a price trend below longer-term averages. These risks are partially offset by solid operating profitability and a low P/E with a moderate dividend yield.
Positive Factors
Operating Profitability
Sustained strong gross and operating profits indicate the core lending business generates durable operating cash flow and can absorb normal credit costs. High operating profitability supports reinvestment in origination, underwriting and technology, underpinning long-term earnings quality if lending standards hold.
Negative Factors
High Leverage & Small Equity Base
Very high leverage and a small equity base materially reduce financial flexibility and increase sensitivity to earnings or asset-value shocks. This structure raises refinancing and covenant risk and limits the company's ability to absorb credit losses or fund growth from internal capital over multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Operating Profitability
Sustained strong gross and operating profits indicate the core lending business generates durable operating cash flow and can absorb normal credit costs. High operating profitability supports reinvestment in origination, underwriting and technology, underpinning long-term earnings quality if lending standards hold.
Read all positive factors
N1 Holdings Ltd. (N1H) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$8.81M
Dividend Yield2.61%
Average Volume (3M)37.57K
Price to Earnings (P/E)2.4
Beta (1Y)-0.57
Revenue Growth8.15%
EPS Growth-21.14%
CountryAU
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.01
Shares Outstanding88,055,570
10 Day Avg. Volume11,064
30 Day Avg. Volume37,566
Financial Highlights & Ratios
PEG Ratio-0.56
Price to Book (P/B)4.53
Price to Sales (P/S)0.51
P/FCF Ratio-7.25
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)N/A
Revenue Forecast (FY)N/A
N1 Holdings Ltd. Business Overview & Revenue Model
Company Description
N1 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...
N1 Holdings Ltd. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
28
Negative
Cash Flow
40
Negative
| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.46M | 20.07M | 18.55M | 14.09M | 10.63M | 5.42M |
| Gross Profit | 19.27M | 19.15M | 17.43M | 12.38M | 9.17M | 3.93M |
| EBITDA | 14.94M | 14.03M | 13.26M | 0.00 | 5.81M | 1.48M |
| Net Income | 1.26M | 855.83K | 1.09M | 340.94K | 1.10M | 139.57K |
Balance Sheet | ||||||
| Total Assets | 169.64M | 130.41M | 114.62M | 90.22M | 79.44M | 15.54M |
| Cash, Cash Equivalents and Short-Term Investments | 35.48M | 11.32M | 13.53M | 7.08M | 14.14M | 3.58M |
| Total Debt | 162.38M | 123.64M | 108.09M | 85.02M | 75.30M | 15.43M |
| Total Liabilities | 166.62M | 128.17M | 112.93M | 89.63M | 79.28M | 17.01M |
| Stockholders Equity | 3.02M | 2.24M | 1.69M | 591.66K | 624.74K | -1.48M |
Cash Flow | ||||||
| Free Cash Flow | 20.45M | -1.40M | 7.37M | -6.15M | 11.84M | 1.09M |
| Operating Cash Flow | 20.46M | -1.34M | 7.38M | -6.06M | 11.85M | 1.20M |
| Investing Cash Flow | 328.79K | -312.23K | 70.99K | 526.06K | 213.32K | -66.26K |
| Financing Cash Flow | -497.45K | -560.77K | -940.30K | -1.59M | -1.14M | -702.82K |
N1 Holdings Ltd. Technical Analysis
Negative
0.12
Price Trends
0.10
Positive
0.11
Negative
0.11
Negative
Market Momentum
>-0.01
Negative
20.95
Positive
38.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:N1H, the sentiment is Negative. The current price of 0.12 is above the 20-day moving average (MA) of 0.10, above the 50-day MA of 0.10, and above the 200-day MA of 0.11, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 20.95 is Positive, neither overbought nor oversold. The STOCH value of 38.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:N1H.
N1 Holdings Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | AU$280.95M | 9.55 | 32.32% | 4.00% | 10.61% | 23.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | AU$26.97M | -35.94 | -1.33% | 14.29% | -0.40% | ― | |
55 Neutral | AU$46.20M | 5.00 | 11.37% | 5.00% | 16.64% | 19.30% | |
53 Neutral | AU$9.72M | -1.31 | 91.73% | ― | ― | ― | |
52 Neutral | AU$504.11M | 6.60 | 18.57% | 4.21% | 14.37% | 20.75% | |
50 Neutral | AU$8.81M | 2.43 | 48.08% | 2.61% | 8.15% | -21.14% |
* Financial Sector Average
AU:N1H
N1 Holdings Ltd.
0.10
-0.02
-14.53%
AU:AFG
Australian Finance Group Ltd.
1.86
0.35
23.26%
AU:WTL
WT Financial Group Ltd.
0.14
0.01
9.76%
AU:KBC
Keybridge Capital Limited
0.05
0.00
0.00%
AU:SEQ
Sequoia Financial Group Ltd.
0.22
-0.04
-13.73%
AU:FID
Fiducian Group Ltd
8.90
0.89
11.11%
N1 Holdings Ltd. Corporate Events
N1 Holdings Lifts Half-Year Profit and Expands Alternative Credit Platform
Feb 20, 2026
N1 Holdings Limited reported a 4.8% increase in revenue to $11.1 million for the half-year ended 31 December 2025, with net profit after tax climbing 64.7% to about $1.04 million. EBITDA rose to $1.38 million from $813,871 a year earlier, underpin...
N1 Holdings posts strong quarter as SME lending and AI-driven efficiencies boost results
Jan 22, 2026
N1 Holdings Limited reported a strong December 2025 quarter and first-half FY26 performance, underpinned by its property-backed private credit lending to Australian SMEs and supported by diversified funding sources and an established broker and re...
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.