OFX Group Ltd. (OFX) AI Stock Analysis

• Market Cap: AU$190.00M
• Dividend Yield: N/A
• Average Volume (3M): 1.03M
• Price to Earnings (P/E): 7.8
• Beta (1Y): 0.62
• Revenue Growth: -4.69%
• EPS Growth: -18.65%
• Country: AU
• Employees: 690
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 0.06
• Shares Outstanding: 231,709,690
• 10 Day Avg. Volume: 1,729,366
• 30 Day Avg. Volume: 1,025,066
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$1.02
• Price Target Upside: 24.39% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 62 Neutral
• Price Target: AU$1.00 ▲(21.95% Upside)

OFX Group Ltd. shows strong financial performance with robust profitability and a solid balance sheet, which are key strengths. The technical analysis indicates a bearish trend, which is a risk factor. The stock's valuation suggests it is undervalued, providing potential upside. The absence of earnings call data and corporate events does not impact the score.

OFX Group Ltd. Business Overview & Revenue Model

Company Description

OFX Group Limited provides international payments and foreign exchange services. It offers international payment services, such as bank to bank currency transfer services to businesses and consumers. The company also provides international payment solutions, including OFX IT platform; client service; compliance; banking relationships; and payments services. It operates in the Asia Pacific, Europe, the Middle East, Africa, North America, and internationally. The company was formerly known as OzForex Group Limited and changed its name to OFX Group Limited in September 2016. OFX Group Limited was founded in 1998 and is headquartered in Sydney, Australia.

How the Company Makes Money

OFX makes money primarily through the spread it applies on foreign exchange transactions. This spread is the difference between the wholesale exchange rate they obtain from financial markets and the rate they offer to their customers. Additionally, OFX charges transaction fees on certain transfers, particularly smaller amounts. The company also benefits from interest earned on client funds held temporarily before transfer completion. Strategic partnerships with financial institutions and businesses adding cross-border payment capabilities further contribute to its revenue. OFX's revenue model focuses on providing competitive rates, transparency, and building customer trust to drive transaction volume and repeat business.

OFX Group Ltd. Financial Statement Overview

Summary

OFX Group Ltd. shows strong financial performance with robust revenue growth and profitability margins. The balance sheet is solid with low debt-to-equity and strong equity position. Cash flows are healthy with improvement in free cash generation, despite some variability in operational efficiency.

Income Statement

OFX Group Ltd. has demonstrated a strong gross profit margin with consistent improvement in revenues and profits over the years. The net profit margin shows a slight decline in the most recent year, which may indicate rising costs or operational challenges. However, the company's EBIT and EBITDA margins indicate healthy profitability levels. The revenue growth rate over the analyzed period shows a positive trajectory, boosting the overall income statement score.

Balance Sheet

The company's balance sheet is solid, characterized by a low debt-to-equity ratio, indicating strong financial stability and low leverage risk. The return on equity (ROE) is robust, demonstrating efficient use of equity to generate profits. The equity ratio also reflects a healthy balance between assets and equity, signifying a well-capitalized company. This strong balance sheet position enhances the company's ability to withstand market fluctuations.

Cash Flow

OFX Group Ltd. has shown a significant improvement in its free cash flow, reflecting strong cash generation capabilities. However, the operating cash flow to net income ratio suggests some variability, potentially indicating fluctuations in operational efficiency. Despite this, the free cash flow to net income ratio is favorable, underscoring the company's ability to convert its earnings into cash effectively.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	8.34M	242.74M	228.86M	158.42M	134.69M
Gross Profit	3.64M	227.51M	200.92M	137.06M	106.82M
EBITDA	55.48M	64.56M	62.43M	44.50M	29.07M
Net Income	24.86M	31.30M	31.41M	24.46M	12.78M
Balance Sheet
Total Assets	566.91M	569.50M	680.85M	408.70M	378.04M
Cash, Cash Equivalents and Short-Term Investments	360.59M	88.01M	462.47M	327.01M	302.38M
Total Debt	32.93M	56.38M	79.14M	8.35M	17.30M
Total Liabilities	385.08M	399.86M	536.74M	304.80M	297.75M
Stockholders Equity	181.82M	169.64M	144.11M	103.89M	80.29M
Cash Flow
Free Cash Flow	52.41M	-43.23M	152.05M	37.08M	52.23M
Operating Cash Flow	72.53M	-20.78M	172.92M	48.55M	61.35M
Investing Cash Flow	-45.10M	-16.76M	-94.96M	-15.66M	-3.96M
Financing Cash Flow	-43.66M	-43.26M	58.03M	-6.17M	-12.77M

OFX Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.82
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:OFX, the sentiment is Negative. The current price of 0.82 is below the 20-day moving average (MA) of 0.84, below the 50-day MA of 0.83, and below the 200-day MA of 1.04, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 47.59 is Neutral, neither overbought nor oversold. The STOCH value of 23.41 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:OFX.

OFX Group Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
COG	68 Neutral	442.07M	23.27	―	2.74%	-26.30%	40.12%
PPS	64 Neutral	358.29M	26.50	12.11%	3.00%	24.56%	59.32%
OFX	62 Neutral	AU$190.00M	7.83	14.15%	―	-4.69%	-18.65%
RZI	62 Neutral	71.65M	-109.68	―	―	5.03%	52.31%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

OFX Group Ltd. Corporate Events

OFX Group Ltd. Announces Cessation of Securities

OFX Group Ltd. announced the cessation of 2,019,444 ordinary fully paid securities due to an on-market buy-back, effective September 11, 2025. This move is part of the company’s capital management strategy, potentially impacting its market positioning by optimizing the capital structure and potentially enhancing shareholder value.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

OFX Group Ltd. Updates on Share Buy-Back Program

OFX Group Ltd. has announced an update on its ongoing share buy-back program, with a total of 2,113,611 securities bought back before the previous day and an additional 41,912 securities purchased on the previous day. This buy-back initiative reflects OFX’s strategic efforts to manage its capital structure and potentially enhance shareholder value, indicating a proactive approach in optimizing its financial operations.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

Citigroup Reduces Stake in OFX Group Ltd.

Citigroup Global Markets Australia Pty Limited has ceased to be a substantial holder in OFX Group Ltd. as of September 9, 2025. This change in substantial holding, involving a decrease of over 2 million ordinary fully paid shares, results from securities lending agreements and standard stock market transactions, potentially affecting the company’s shareholder composition and market perception.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

OFX Group Ltd. Updates on Market Buy-Back Program

OFX Group Ltd. has announced an update regarding its ongoing on-market buy-back program, reporting a total of 2,019,444 securities bought back before the previous day and an additional 94,167 securities bought back on the previous day. This buy-back initiative is part of OFX’s strategy to enhance shareholder value and optimize its capital structure, reflecting confidence in the company’s financial health and future prospects.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

OFX Group Ltd. Updates on Share Buy-Back Program

OFX Group Ltd. has announced an update regarding its ongoing on-market buy-back program. As of the latest notification, the company has bought back a total of 1,928,202 ordinary fully paid securities, with an additional 91,242 securities acquired on the previous day. This buy-back initiative is part of OFX’s strategy to optimize its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

OFX Group Ltd. Updates on Securities Buy-Back Program

OFX Group Ltd. has announced an update regarding its ongoing on-market buy-back program for its ordinary fully paid securities. As of September 4, 2025, the company reported buying back a total of 1,789,782 securities prior to the previous day, with an additional 138,420 securities bought back on the previous day. This buy-back initiative reflects OFX’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

OFX Group Ltd. Updates on Ongoing Share Buy-Back Program

OFX Group Ltd. has announced an update regarding its ongoing on-market buy-back program. As of the latest notification, the company has repurchased a total of 1,789,782 ordinary fully paid securities, including 182,761 bought back on the previous day. This buy-back initiative is part of OFX’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

OFX Group Ltd. Updates on Market Buy-Back Program

OFX Group Ltd. has announced a daily update on its ongoing on-market buy-back program, with a total of 1,366,751 securities bought back before the previous day and an additional 240,270 securities bought back on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value, reflecting a proactive approach to maintaining its market position and financial health.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

OFX Group Ltd. Updates on Share Buy-Back Program

OFX Group Ltd. has announced an update regarding its ongoing share buy-back program, with a total of 196,061 ordinary fully paid securities bought back on the previous day. This move is part of a broader strategy to manage capital and enhance shareholder value, potentially impacting the company’s market positioning by reducing the number of shares outstanding and increasing earnings per share.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.

OFX Group Ltd. Updates on Share Buy-Back Progress

OFX Group Ltd. has announced an update on its ongoing share buy-back program, revealing that a total of 1,170,690 ordinary fully paid securities have been repurchased, including 201,372 on the previous day. This buy-back initiative is part of OFX’s strategy to optimize its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:OFX) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on OFX Group Ltd. stock, see the AU:OFX Stock Forecast page.