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NobleOak Life Ltd (AU:NOL)
:NOL
Australian Market
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NobleOak Life Ltd (NOL) AI Stock Analysis

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AU:NOL

NobleOak Life Ltd

(Sydney:NOL)

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Neutral 67 (OpenAI - 4o)
Rating:67Neutral
Price Target:
AU$1.50
▼(-1.96% Downside)
NobleOak Life Ltd scores a 67 overall, driven primarily by its strong financial health and attractive valuation. Despite solid financial fundamentals, technical analysis reveals a bearish trend, affecting the overall score. The absence of impactful corporate events or earnings call data limits any further positive influence on the score.

NobleOak Life Ltd (NOL) vs. iShares MSCI Australia ETF (EWA)

NobleOak Life Ltd Business Overview & Revenue Model

Company DescriptionNobleOak Life Ltd (NOL) is an Australian life insurance provider that offers a range of insurance products, including life, income protection, total and permanent disability (TPD), and trauma insurance. The company operates within the financial services sector, focusing on providing comprehensive and affordable insurance solutions to individuals and families. NobleOak Life Ltd is known for its customer-centric approach, high-quality service, and commitment to transparency.
How the Company Makes MoneyNobleOak Life Ltd generates revenue primarily through the sale of its insurance products. The company's revenue streams include premium collections from policyholders for various insurance policies such as life, income protection, TPD, and trauma insurance. Additionally, NobleOak may earn investment income from the management of the funds collected through premiums. The company's earnings are influenced by factors such as underwriting performance, claims experience, and investment returns. Partnerships with financial advisors, brokers, and other distribution channels also play a crucial role in expanding their market reach and driving sales.

NobleOak Life Ltd Financial Statement Overview

Summary
NobleOak Life Ltd demonstrates strong financial health with consistent revenue growth, a robust gross profit margin, and a strong net profit margin. The balance sheet shows prudent financial management with low debt-to-equity, though moderate leveraging is noted. Cash flow is strong, with substantial growth and efficient capital expenditure management. However, operational inefficiencies are reflected in a drop in EBIT margin.
Income Statement
75
Positive
NobleOak Life Ltd has exhibited consistent revenue growth, with a significant increase in total revenue from the previous year. The gross profit margin is robust, indicating effective cost management. However, the drop in EBIT margin suggests some operational inefficiencies. The company has a strong net profit margin, which is a positive indicator of profitability.
Balance Sheet
68
Positive
The debt-to-equity ratio is low, reflecting prudent financial management and lower financial risk. The return on equity is solid, indicating effective use of shareholder funds. However, the equity ratio indicates moderate leveraging, which could pose risks if liabilities increase significantly.
Cash Flow
80
Positive
The company has a strong free cash flow position, with a substantial growth rate in the latest period. Operating cash flow is well in excess of net income, showing strong cash generation capabilities. The free cash flow to net income ratio is also favorable, suggesting efficient capital expenditure management.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue123.99M123.99M386.65M343.40M75.43M61.32M
Gross Profit123.99M123.99M50.26M181.86M169.78M61.32M
EBITDA15.42M15.42M20.33M18.67M4.22M8.52M
Net Income7.12M7.12M9.28M7.99M1.69M4.90M
Balance Sheet
Total Assets567.29M567.29M463.73M251.15M121.08M72.62M
Cash, Cash Equivalents and Short-Term Investments0.000.0063.96M30.26M30.26M31.41M
Total Debt4.58M4.58M5.26M5.83M556.00K1.46M
Total Liabilities478.36M478.36M392.33M131.31M9.45M-12.00M
Stockholders Equity88.94M88.94M71.41M119.84M111.63M84.62M
Cash Flow
Free Cash Flow58.63M58.63M44.02M129.66M23.49M-2.17M
Operating Cash Flow58.74M58.74M44.42M130.14M27.98M-720.00K
Investing Cash Flow-45.59M-45.59M-29.86M-108.81M-53.33M-10.37M
Financing Cash Flow8.44M8.44M-1.01M-1.18M23.77M14.42M

NobleOak Life Ltd Technical Analysis

Technical Analysis Sentiment
Negative
Last Price1.53
Price Trends
50DMA
1.50
Negative
100DMA
1.46
Negative
200DMA
1.45
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
40.98
Neutral
STOCH
13.65
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:NOL, the sentiment is Negative. The current price of 1.53 is above the 20-day moving average (MA) of 1.52, above the 50-day MA of 1.50, and above the 200-day MA of 1.45, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 40.98 is Neutral, neither overbought nor oversold. The STOCH value of 13.65 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:NOL.

NobleOak Life Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
$18.00B11.429.92%3.81%9.73%1.22%
AU$133.37M17.358.88%21.79%-23.00%
AU$487.27M24.4412.36%2.59%-26.30%40.12%
AU$753.41M16.525.92%4.85%26.01%-17.55%
AU$946.81M9.4912.11%8.51%-6.49%-5.40%
AU$5.11B63.6214.42%23.69%116.67%
AU$341.69M45.974.50%0.63%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:NOL
NobleOak Life Ltd
1.45
-0.07
-4.61%
AU:CVW
Clearview Wealth Limited
0.60
0.09
17.65%
AU:ZIP
Zip Co Ltd.
3.87
0.85
28.15%
AU:PPM
Pepper Money Ltd
2.23
1.01
82.79%
AU:COG
COG Financial Services Limited
2.32
1.40
152.17%
AU:MYS
Mystate Limited
4.45
0.86
23.96%

NobleOak Life Ltd Corporate Events

UniSuper Ceases Substantial Holding in NobleOak Life Ltd
Jul 28, 2025

UniSuper Limited, acting as a trustee for UniSuper, has ceased to be a substantial holder in NobleOak Life Ltd as of July 23, 2025. This change, involving an on-market sale of 6,734,909 securities, impacts 4,819,143 voting rights, potentially affecting the company’s shareholder structure and market perception.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

Magellan Financial Group Ceases Substantial Holding in NobleOak Life
Jul 25, 2025

NobleOak Life Limited has announced that Magellan Financial Group Ltd and its related entities have ceased to be substantial holders in the company as of July 23, 2025. This change in substantial holding may impact the company’s shareholder structure and influence in the market, potentially affecting its strategic decisions and stakeholder interests.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

NobleOak Life Ltd Issues Unquoted Securities Under Employee Incentive Scheme
Jul 17, 2025

NobleOak Life Ltd announced the issuance of 489,142 unquoted securities under an employee incentive scheme, with restrictions on transfer until the restriction period ends. This move is part of the company’s strategy to align employee interests with long-term corporate goals, potentially enhancing employee engagement and retention.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

NobleOak Life Ltd Addresses ASX Price Query Amid Trading Surge
Jun 27, 2025

NobleOak Life Ltd responded to an ASX price query regarding a recent increase in the trading price and volume of its securities. The company stated it is unaware of any undisclosed information that could explain the trading activity and confirmed compliance with ASX Listing Rules, ensuring stakeholders of its adherence to regulatory requirements.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

UniSuper Increases Stake in NobleOak Life Ltd
Jun 23, 2025

NobleOak Life Ltd has announced a change in the substantial holding of its shares by UniSuper Limited, which now holds an 8.23% voting power, up from 7.14%. This change in shareholding indicates an increased interest by UniSuper in NobleOak Life Ltd, potentially impacting the company’s governance and strategic decisions.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

UniSuper Reduces Stake in NobleOak Life Limited
Jun 20, 2025

NobleOak Life Limited, a company in the life insurance industry, has experienced a change in the voting power of its substantial holder, UniSuper Limited. UniSuper’s voting power in NobleOak has decreased from 11.16% to 7.14%, which could impact the company’s shareholder dynamics and influence within the market.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

NobleOak Life Limited Announces Change in Company Secretary
Jun 20, 2025

NobleOak Life Limited has announced the resignation of Suzanne Barron as Company Secretary, with Tom May stepping into the role effective immediately. This change in leadership is a strategic move for NobleOak, which continues to strengthen its communication channels with the ASX and maintain its position as a leading life insurance provider in Australia.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

NobleOak Life Ltd Announces Cessation of Securities
Jun 20, 2025

NobleOak Life Ltd announced the cessation of 88,521 securities under the ASX security code NOLAD due to the lapse of conditional rights, as the conditions were not met or became incapable of being satisfied. This cessation may impact the company’s capital structure and could influence investor perceptions regarding the company’s financial strategies.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

Regal Funds Management Increases Stake in NobleOak Life Ltd
Jun 19, 2025

NobleOak Life Ltd has reported a change in the substantial holding by Regal Funds Management Pty Limited and its associates, which now have increased voting power in the company. This change in voting power, resulting from recent acquisitions, indicates a strategic move by Regal Funds Management to strengthen its influence within NobleOak Life Ltd, potentially impacting the company’s future decisions and market position.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

Magellan Reduces Stake in NobleOak Life Limited
Jun 19, 2025

NobleOak Life Limited has announced a significant change in the interests of its substantial holder, Magellan Financial Group Ltd. Magellan’s voting power in NobleOak has decreased from 9.95% to 5.19%, indicating a reduction in their stake in the company. This change may impact NobleOak’s shareholder dynamics and could have implications for its strategic decisions moving forward.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

UniSuper Adjusts Stake in NobleOak Life Ltd
Jun 16, 2025

NobleOak Life Ltd has experienced a change in the interests of its substantial holder, UniSuper Limited, which now holds 11.16% of the company’s voting power, down from 13.55%. This adjustment in voting power may influence the company’s decision-making processes and reflects a shift in UniSuper’s investment strategy regarding NobleOak Life Ltd.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

EC Pohl & Co Pty Ltd Acquires Substantial Stake in NobleOak Life Ltd
Jun 15, 2025

NobleOak Life Ltd has announced that EC Pohl & Co Pty Ltd has become a substantial holder in the company, acquiring a 9.9% voting power through 9,200,000 ordinary fully paid shares. This development signifies a significant stake acquisition, potentially impacting the company’s shareholder dynamics and strategic decisions moving forward.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

NobleOak Life Ltd Announces Change in Substantial Shareholding
Jun 12, 2025

NobleOak Life Ltd has announced a change in the substantial holdings of its shares, with Regal Funds Management Pty Limited and its associates now holding a reduced voting power of 8.01% compared to the previous 16.86%. This adjustment in shareholding reflects a significant shift in the control dynamics within the company, potentially impacting its strategic decisions and stakeholder interests.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

NobleOak Life Ltd Announces Cessation of Performance Rights
May 28, 2025

NobleOak Life Ltd has announced the cessation of 198,013 performance rights due to the lapse of conditional rights that were not met. This development may affect the company’s capital structure and could have implications for stakeholders, reflecting a potential shift in the company’s operational strategies or performance metrics.

The most recent analyst rating on (AU:NOL) stock is a Buy with a A$2.85 price target. To see the full list of analyst forecasts on NobleOak Life Ltd stock, see the AU:NOL Stock Forecast page.

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: Jul 25, 2025