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Prime Financial Group Limited (AU:PFG)
ASX:PFG
Australian Market

Prime Financial Group Limited (PFG) AI Stock Analysis

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AU:PFG

Prime Financial Group Limited

(Sydney:PFG)

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Neutral 55 (OpenAI - 4o)
Rating:55Neutral
Price Target:
AU$0.24
▲(7.27% Upside)
Prime Financial Group Limited's overall stock score is primarily influenced by its financial performance challenges, particularly in revenue and cash flow generation. The technical analysis indicates a bearish trend, further impacting the score. However, the valuation is a positive factor, with a reasonable P/E ratio and an attractive dividend yield.
Positive Factors
Profitability Margins
High profitability margins indicate efficient cost management, allowing the company to maintain strong earnings even with revenue challenges.
Stable Balance Sheet
A stable balance sheet with moderate leverage provides financial flexibility and reduces risk, supporting long-term operational stability.
Diversified Revenue Streams
A diversified business model across multiple revenue streams reduces dependency on a single source, enhancing resilience against market fluctuations.
Negative Factors
Declining Revenue
Significant revenue decline poses a challenge to financial health, necessitating strategic adjustments to regain growth and market confidence.
Cash Flow Challenges
Declining cash flow growth may impact the company's ability to invest in growth opportunities and meet financial obligations, affecting long-term sustainability.
Low Return on Equity
A low ROE suggests inefficiency in generating returns from equity investments, indicating potential areas for improvement in financial performance.

Prime Financial Group Limited (PFG) vs. iShares MSCI Australia ETF (EWA)

Prime Financial Group Limited Business Overview & Revenue Model

Company DescriptionPrime Financial Group Limited (PFG) is a diversified financial services company specializing in investment management, financial advisory, and wealth management solutions. The company operates across various sectors, including asset management, insurance, and retirement planning, catering to both individual and institutional clients. PFG's core products encompass investment funds, financial planning services, and customized insurance solutions, aimed at enhancing clients' financial well-being and achieving their long-term financial goals.
How the Company Makes MoneyPFG generates revenue primarily through management fees, advisory fees, and commissions on financial products. The company charges a percentage of assets under management (AUM) for its investment management services, which constitutes a significant portion of its revenue. Additionally, PFG earns advisory fees for its personalized financial planning and investment strategies. Commissions from insurance products and financial instruments also contribute to the company's earnings. Strategic partnerships with financial institutions and technology providers enhance PFG's service offerings and expand its client base, further bolstering its revenue streams.

Prime Financial Group Limited Financial Statement Overview

Summary
Prime Financial Group Limited faces challenges with declining revenue and cash flow generation, yet maintains strong profitability margins. The balance sheet reflects moderate leverage and a stable equity position, but the low ROE indicates room for improvement in generating returns from equity.
Income Statement
45
Neutral
Prime Financial Group Limited experienced a significant decline in revenue in the latest year, with a revenue growth rate of -99.73%. Despite this, the company maintained a strong EBIT margin of 73.73% and a net profit margin of 38.22%, indicating efficient cost management. However, the negative gross profit margin suggests potential issues in cost of goods sold or pricing strategy.
Balance Sheet
60
Neutral
The company's debt-to-equity ratio of 0.37 indicates moderate leverage, which is manageable. The return on equity (ROE) is relatively low at 7.90%, suggesting limited profitability from equity investments. The equity ratio of 56.08% reflects a stable financial structure with a good proportion of equity financing.
Cash Flow
50
Neutral
The free cash flow growth rate declined by 51.50%, indicating potential challenges in generating cash. The operating cash flow to net income ratio of 0.18 is low, suggesting that net income is not fully translating into cash flow. However, the free cash flow to net income ratio of 0.85 shows some level of cash generation efficiency.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue36.17M120.63K40.77M33.74M26.33M22.32M
Gross Profit15.90M-1.93M18.54M31.98M24.73M20.53M
EBITDA7.24M11.35M8.34M8.76M8.35M7.13M
Net Income2.85M4.61M2.85M4.41M3.81M3.07M
Balance Sheet
Total Assets104.05M104.05M82.12M67.14M59.77M58.29M
Cash, Cash Equivalents and Short-Term Investments2.42M2.42M507.86K1.04M128.70K65.72K
Total Debt21.88M21.88M14.73M11.30M7.15M9.92M
Total Liabilities45.00M45.00M29.38M17.80M13.12M14.63M
Stockholders Equity58.36M58.36M52.12M48.70M46.03M42.86M
Cash Flow
Free Cash Flow1.55M2.48M5.27M2.47M5.86M5.32M
Operating Cash Flow1.87M2.93M5.74M4.22M6.14M5.54M
Investing Cash Flow-3.89M-3.89M-2.99M-3.94M-974.21K-811.25K
Financing Cash Flow2.88M2.88M-3.29M637.73K-5.11M-4.76M

Prime Financial Group Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.22
Price Trends
50DMA
0.23
Negative
100DMA
0.24
Negative
200DMA
0.23
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
39.18
Neutral
STOCH
-83.33
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PFG, the sentiment is Negative. The current price of 0.22 is below the 20-day moving average (MA) of 0.23, below the 50-day MA of 0.23, and below the 200-day MA of 0.23, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 39.18 is Neutral, neither overbought nor oversold. The STOCH value of -83.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:PFG.

Prime Financial Group Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
AU$73.16M10.2632.22%6.45%22.67%19.47%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
AU$48.34M23.672.40%1.78%-5.10%
61
Neutral
AU$51.33M11.0315.13%4.83%16.64%19.30%
55
Neutral
AU$59.56M12.578.35%7.38%21.16%47.24%
51
Neutral
AU$33.09M58.822.42%2.08%18.17%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:PFG
Prime Financial Group Limited
0.22
0.00
0.00%
AU:TIP
Teaminvest Private Group Ltd
1.69
-0.33
-16.34%
AU:CIW
Clime Investment Management Ltd
0.36
0.03
9.09%
AU:MAM
Microequities Asset Management Group Ltd.
0.60
0.11
22.45%
AU:WTL
WT Financial Group Ltd.
0.14
0.06
75.00%

Prime Financial Group Limited Corporate Events

Prime Financial Group Updates Director’s Interest Notice
Dec 2, 2025

Prime Financial Group Limited announced a change in the director’s interest notice involving Mr. Simon Madder. The update reflects the issuance of 2,496,286 Performance Rights under the company’s Performance Rights Plan, approved at the 2024 and 2025 Annual General Meetings. This change indicates a strategic move to align the director’s interests with the company’s performance, potentially impacting shareholder value and corporate governance.

Prime Financial Group Announces Director’s Interest Changes
Dec 2, 2025

Prime Financial Group Limited announced a change in the director’s interest, specifically regarding Mr. Timothy Bennett’s holdings. The changes involved the acquisition and disposal of performance rights and ordinary shares, with an on-market sale to cover personal tax obligations. This adjustment reflects the company’s ongoing management of executive compensation and shareholder-approved performance incentives, potentially impacting stakeholder perceptions of governance practices.

Prime Financial Group Announces Director’s Interest Changes
Dec 2, 2025

Prime Financial Group Limited has announced a change in the director’s interest notice, specifically regarding Mr. Matthew Murphy’s holdings. The notice details the disposal of 491,992 fully paid ordinary shares and the acquisition of 70,140 performance rights, reflecting a strategic adjustment in Mr. Murphy’s investment portfolio. This change may impact the company’s governance dynamics and investor perceptions, as it involves significant shareholding adjustments by a key director.

Prime Financial Group Announces Cessation of Performance Rights
Dec 2, 2025

Prime Financial Group Limited announced the cessation of 4,967,274 performance rights 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 have implications for stakeholders, particularly in terms of performance-based incentives.

Prime Financial Group Reports Strong Growth at 2025 AGM
Nov 27, 2025

Prime Financial Group Limited held its 2025 Annual General Meeting, highlighting a year of strong growth and successful financial performance. The meeting’s agenda included the adoption of the 2025 Annual Financial Statements and several resolutions, reflecting the company’s strategic focus on scaling operations through organic growth and acquisitions.

Prime Financial Group Announces Director’s Share Sale
Nov 24, 2025

Prime Financial Group Limited has announced a change in the director’s interest, specifically involving Mr. Timothy Bennett. The change involved the sale of 312,742 fully paid ordinary shares to cover personal income tax obligations related to the exercise of performance rights. This transaction reflects routine financial management by the director and is not expected to have significant implications for the company’s operations or its stakeholders.

Prime Financial Group Announces Director’s Share Disposal
Nov 24, 2025

Prime Financial Group Limited announced a change in the director’s interest, specifically involving Mr. Matthew Murphy. The notice details the disposal of 293,626 fully paid ordinary shares by Ascension Business Investments Pty Ltd, with a total value of $67,533.98. This change reflects internal adjustments in the company’s shareholding structure, potentially impacting the company’s governance and stakeholder interests.

Prime Financial Group Announces Director’s Share Sale
Nov 17, 2025

Prime Financial Group Limited has announced a change in the director’s interest, specifically concerning Mr. Timothy Bennett. The change involved the on-market sale of 212,000 fully paid ordinary shares to cover a personal income tax obligation arising from the exercise of performance rights. This adjustment in shareholding reflects the director’s strategic financial management and does not indicate any broader operational or strategic shifts within the company.

Prime Financial Group Announces Director’s Shareholding Change
Nov 17, 2025

Prime Financial Group Limited announced a change in the director’s interest, specifically involving Mr. Matthew Murphy. The notice detailed the disposal of 264,382 fully paid ordinary shares, valued at $62,130, held indirectly through Ascension Business Investments Pty Ltd. This change reflects a minor adjustment in the director’s shareholding, with no immediate implications for the company’s operations or market positioning.

Prime Financial Group Director Adjusts Shareholding
Nov 10, 2025

Prime Financial Group Limited announced a change in the director’s interest, specifically involving Mr. Timothy Bennett, who sold 200,000 fully paid ordinary shares to cover personal income tax obligations. This transaction reflects a strategic move to manage personal financial obligations while maintaining a significant stake in the company, indicating confidence in the company’s future performance.

Prime Financial Group Announces Director’s Share Disposal
Nov 10, 2025

Prime Financial Group Limited has announced a change in the director’s interest, specifically involving Mr. Matthew Murphy. Mr. Murphy has disposed of 200,000 fully paid ordinary shares valued at $47,000. This change reflects a minor adjustment in the director’s holdings and does not indicate a significant shift in the company’s operations or strategic direction. Stakeholders may view this as a routine update in the director’s personal investment strategy.

Prime Financial Group Expands Market Presence with New Securities Quotation
Nov 3, 2025

Prime Financial Group Limited has announced the quotation of 2,551,814 ordinary fully paid securities on the Australian Securities Exchange (ASX), effective from October 31, 2025. This move is part of previously announced transactions and is expected to enhance the company’s market presence and provide additional liquidity for its stakeholders.

Prime Financial Group Schedules Hybrid Annual General Meeting for 2025
Oct 29, 2025

Prime Financial Group Limited has announced its upcoming Annual General Meeting (AGM) scheduled for November 28, 2025. This meeting will be conducted in a hybrid format, allowing shareholders to participate either in person at the company’s head office in Southbank, Victoria, or virtually via an online platform. The agenda includes the consideration of the 2025 Annual Financial Statements and a non-binding resolution on the Remuneration Report. Shareholders are encouraged to review the accompanying documents for detailed information on the matters to be discussed.

Prime Financial Group Announces Proposed Securities Issue
Oct 24, 2025

Prime Financial Group Limited has announced a proposed issue of 2,625,000 ordinary fully paid securities, scheduled for January 29, 2027. This strategic move is expected to enhance the company’s capital structure and potentially improve its market positioning, offering stakeholders an opportunity to participate in the company’s growth trajectory.

Prime Financial Group Announces Proposed Securities Issue
Oct 24, 2025

Prime Financial Group Limited has announced a proposed issue of 4,301,814 ordinary fully paid securities, with the issue date set for October 31, 2025. This move is part of a placement or other type of issue, potentially impacting the company’s market presence and providing additional capital for growth, which could influence its operations and stakeholder interests.

Prime Financial Group Expands Through Strategic Acquisitions and New CFO Appointment
Oct 24, 2025

Prime Financial Group Limited has announced two strategic acquisitions to bolster its core segments of Wealth and Business, with the addition of new partners and significant revenue potential. Additionally, Prime has executed a Non-Binding Indicative Offer for a potential acquisition in the Wealth segment, which could significantly enhance its investment research and asset management capabilities. The company also appointed Sharon Papworth as the new Chief Financial Officer, bringing extensive experience across various industries, which is expected to strengthen Prime’s leadership team.

Prime Financial Group Expands Market Presence with New Securities Quotation
Sep 25, 2025

Prime Financial Group Limited has announced the quotation of 1,700,674 ordinary fully paid securities on the Australian Securities Exchange (ASX) as of September 25, 2025. This move is part of a dividend or distribution plan, potentially impacting the company’s market presence by increasing its liquidity and providing more opportunities for investor engagement.

Prime Financial Group Updates Dividend Distribution Details
Sep 21, 2025

Prime Financial Group Limited has announced an update regarding its dividend distribution, specifically detailing the Dividend Reinvestment Plan (DRP) price. This update pertains to the dividend for the six-month period ending June 30, 2025, and reflects the company’s commitment to maintaining transparency with its stakeholders. The announcement is expected to impact shareholders by providing clarity on the dividend distribution process and reinforcing the company’s financial strategies.

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: Oct 14, 2025