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Plenti Group Ltd. (AU:PLT)
ASX:PLT
Australian Market
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Plenti Group Ltd. (PLT) AI Stock Analysis

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AU:PLT

Plenti Group Ltd.

(Sydney:PLT)

Rating:73Outperform
Price Target:
AU$1.00
▼(-15.97% Downside)
Plenti Group Ltd. scores strongly due to impressive financial performance, particularly in revenue growth and profitability. The technical indicators show bullish trends, although caution is advised due to overbought signals. The stock's valuation is attractive, suggesting potential upside.

Plenti Group Ltd. (PLT) vs. iShares MSCI Australia ETF (EWA)

Plenti Group Ltd. Business Overview & Revenue Model

Company DescriptionPlenti Group Limited engages in the fintech lending business in Australia. It offers automotive, renewable energy, and personal loans, as well as consolidate debt, renovation, and legal finances. The company was founded in 2014 and is headquartered in Sydney, Australia.
How the Company Makes MoneyPlenti Group Ltd. generates revenue primarily through interest income from its loan products. The company offers personal loans, automotive loans, and renewable energy loans, charging borrowers interest on the principal amount lent. Additionally, Plenti may earn fees related to loan origination and servicing. Key partnerships with financial institutions and technology providers may also contribute to its revenue streams by enhancing product offerings and operational efficiency. Plenti's utilization of data analytics and digital platforms allows it to optimize the lending process and maintain competitive interest rates, attracting a broad customer base and driving revenue growth.

Plenti Group Ltd. Financial Statement Overview

Summary
Plenti Group Ltd. is showing strong growth and improving profitability, with a remarkable increase in revenue and a swing to net income profitability. Despite these strengths, the balance sheet reveals a high leverage position, which could pose risks if not carefully managed. The positive cash flow trends enhance liquidity, but significant investment activities need to be balanced with cash generation to sustain growth.
Income Statement
78
Positive
Plenti Group Ltd. has demonstrated a strong upward trajectory in revenue growth, with a significant increase from $71.94 million to $231.25 million in the latest period. This is complemented by a positive swing in net income from a loss to a profit of $24.76 million, indicating improved operational efficiency. The gross profit margin remains high at 100%, reflecting effective cost management. However, the historical volatility in EBIT and EBITDA margins suggests room for improvement in operational stability.
Balance Sheet
65
Positive
The balance sheet shows a high debt-to-equity ratio due to a significantly leveraged position, which may pose financial risk. However, there is a positive trend in stockholders' equity, increasing from negative to $42.55 million, signaling improved financial health. The equity ratio remains low at 1.6%, indicating a heavy reliance on debt financing, which could affect future financial flexibility.
Cash Flow
72
Positive
The cash flow statement highlights a robust growth in free cash flow, rising from $39.18 million to $64.36 million, which is a positive sign for liquidity. The operating cash flow to net income ratio of 2.60 suggests strong cash generation relative to profits. However, substantial negative investing cash flows indicate significant capital investment, which could strain cash reserves if not managed carefully.
BreakdownMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue231.25M71.94M143.46M88.51M51.59M
Gross Profit231.25M47.69M123.22M58.99M25.96M
EBITDA144.37M-6.83M50.95M17.06M-6.89M
Net Income24.76M-14.71M-13.58M-6.32M-15.09M
Balance Sheet
Total Assets2.66B2.26B1.91B1.47B689.20M
Cash, Cash Equivalents and Short-Term Investments177.01M148.87M143.55M159.57M88.41M
Total Debt2.56B2.19B1.83B1.39B630.19M
Total Liabilities2.61B2.23B1.87B1.42B643.25M
Stockholders Equity42.55M26.32M45.04M52.67M45.95M
Cash Flow
Free Cash Flow64.36M39.18M19.62M-5.14M-3.02M
Operating Cash Flow64.47M39.24M20.59M-3.91M-2.92M
Investing Cash Flow-409.38M-386.22M-475.24M-685.87M-237.56M
Financing Cash Flow372.47M352.88M438.44M761.03M286.38M

Plenti Group Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1.19
Price Trends
50DMA
0.96
Positive
100DMA
0.89
Positive
200DMA
0.83
Positive
Market Momentum
MACD
0.06
Negative
RSI
73.22
Negative
STOCH
67.89
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PLT, the sentiment is Positive. The current price of 1.19 is above the 20-day moving average (MA) of 1.07, above the 50-day MA of 0.96, and above the 200-day MA of 0.83, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 73.22 is Negative, neither overbought nor oversold. The STOCH value of 67.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:PLT.

Plenti Group 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
73
Outperform
AU$206.08M8.4871.90%22.94%
68
Neutral
$17.53B11.7810.43%3.83%9.94%1.31%
€35.27M-26.78%
58
Neutral
AU$55.80M32.542.31%1.45%-5.36%
53
Neutral
AU$100.01M7.17-13.74%-14.61%-325.81%
46
Neutral
AU$44.64M-20.13%-5.95%-9.84%
42
Neutral
AU$89.04M-16.83%-2.45%-639.57%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:PLT
Plenti Group Ltd.
1.19
0.49
70.00%
DE:6DR
Harmoney Corp Ltd
0.29
0.03
11.54%
AU:WZR
Wisr Ltd.
0.03
0.00
0.00%
AU:PNC
Pioneer Credit Ltd
0.56
0.08
16.67%
AU:EPY
EarlyPay Limited
0.20
0.02
11.11%
AU:MME
MoneyMe Ltd.
0.12
0.02
20.00%

Plenti Group Ltd. Corporate Events

Plenti Group Ltd. Announces Cessation of Securities
Aug 4, 2025

Plenti Group Ltd. announced the cessation of 30,100 securities due to the lapse of conditional rights, as the conditions for these securities were not met. This announcement reflects a minor adjustment in the company’s issued capital, which is unlikely to have a significant impact on its overall operations or market positioning.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.50 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Ltd. Announces New Security Quotation on ASX
Aug 4, 2025

Plenti Group Ltd. has announced the issuance of 1,566,600 fully paid ordinary securities, which are set to be quoted on the Australian Securities Exchange (ASX) as of August 4, 2025. This move is part of the company’s strategic efforts to enhance its market presence and provide additional value to its stakeholders by leveraging convertible securities.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.50 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Achieves Record Loan Originations and Expands Portfolio
Jul 22, 2025

Plenti Group Ltd. reported a record quarter with loan originations reaching $437 million, marking a 44% increase from the previous year. The company’s loan portfolio grew to $2.7 billion, driven by strong performance in automotive and renewable energy loans, and low credit losses. Plenti’s strategic partnerships and successful tender for the WA Residential Battery Scheme highlight its operational excellence and market positioning, setting a solid foundation for future growth.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group to Announce Quarterly Results with Webcast
Jul 18, 2025

Plenti Group Ltd. is set to release its quarterly results for the period ending June 30, 2025, on July 23, 2025. A webcast hosted by CEO Adam Bennett and CFO Miles Drury will provide an overview of the company’s performance. This announcement is significant as it offers stakeholders insights into Plenti’s operational progress and market positioning, reflecting the company’s ongoing commitment to leveraging technology for growth and innovation in the fintech lending space.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Ltd Announces Virtual Annual General Meeting for 2025
Jul 17, 2025

Plenti Group Ltd announced that its Annual General Meeting will be held virtually on 19 August 2025. The meeting will be conducted online, and shareholders have been provided with the necessary documents, including the Notice of Meeting and Proxy Form, available on the company’s website and ASX platform. This announcement underscores Plenti’s commitment to engaging with its stakeholders through accessible digital platforms, reflecting its innovative approach in the fintech industry.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Sees Reduction in Substantial Shareholding
Jul 16, 2025

Plenti Group Limited has announced a change in the substantial holding of its shares, with The Myer Family Investments Limited reducing its stake from 11.00% to 9.38%. This change in shareholding could impact the company’s market perception and investor confidence, as significant shareholders adjusting their positions often signal shifts in strategic priorities or market outlook.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Announces Director Departure
Jun 30, 2025

Plenti Group Limited has announced that Susan Forrester has ceased to be a director of the company as of June 30, 2025. The notice includes details of her interests in securities, specifically 229,874 ordinary fully paid shares held in the Forrester Family Super Fund. This change in directorship may impact the company’s governance structure and could have implications for stakeholders monitoring leadership stability and strategic direction.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Limited Announces Change in Director’s Shareholding
Jun 30, 2025

Plenti Group Limited has announced a change in the director’s interest, specifically involving Susan Forrester. The change involves the disposal of 195,126 ordinary fully paid shares through an on-market trade, resulting in a holding of 229,874 shares. This adjustment in shareholding reflects a strategic decision by the director, which may have implications for the company’s governance and shareholder dynamics.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.50 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Announces Board Change with Departure of Susan Forrester
Jun 6, 2025

Plenti Group Limited announced that Susan Forrester will step down as a Non-Executive Director of the Board effective 30 June 2025. The Board expressed gratitude for her contributions, particularly as Chair of the People & Culture Committee. This change may impact the company’s governance dynamics, but the company continues to focus on its core fintech lending operations.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.32 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Director Increases Shareholding
Jun 4, 2025

Plenti Group Limited announced a change in the director’s interest, with Director Daniel Foggo acquiring 1,079,202 fully paid ordinary shares through the exercise of performance rights. This change increases his total holdings to 4,844,344 shares, reflecting a significant personal investment in the company.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Ltd. Announces Quotation of New Securities on ASX
Jun 4, 2025

Plenti Group Ltd. has announced the quotation of 1,114,436 fully paid ordinary securities on the Australian Securities Exchange (ASX) as of June 4, 2025. This move is part of the company’s strategy to enhance its market presence and provide greater liquidity for its stakeholders, potentially strengthening its position in the financial services sector.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Appointed as Administrator for WA Residential Battery Scheme
Jun 4, 2025

Plenti Group Limited has been appointed by the Western Australian Government as the administrator and financier for the state’s Residential Battery Scheme. This initiative aims to accelerate battery adoption, offering rebates and no-interest loans to eligible households. Plenti’s role in this scheme reinforces its leadership in household electrification financing and aligns with its strategy to partner with large organizations for market-leading consumer financing solutions. The scheme is expected to significantly impact energy cost reduction and carbon footprint for participants, with Plenti leveraging its technology platform to ensure efficient access to rebates and financing.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Secures $400 Million in Record ABS Transaction
May 29, 2025

Plenti Group Limited has successfully priced a $400 million asset-backed securities (ABS) transaction, backed by personal and renewable energy receivables. This marks Plenti’s second ABS transaction for 2025 and its tenth overall, with a record number of investors participating. The transaction, rated by Moody’s, reflects strong credit performance and achieved a lower weighted average margin on the notes compared to the previous year, despite market volatility. The transaction is expected to settle in early June 2025, with major banks acting as arrangers and joint-lead managers.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Announces Director’s Change in Securities
May 28, 2025

Plenti Group Limited has announced a change in the director’s interest notice, specifically involving Daniel Foggo. The change involves the forfeiture of 196,377 performance rights, reducing the total performance rights held by the director to 1,340,774. This adjustment in securities may impact the director’s stake and influence within the company.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Westbourne Trust Reduces Stake in Plenti Group Ltd.
May 28, 2025

Westbourne Trust, managed by Marjorie Jean Foggo and Veritas (2012) Limited, has reduced its voting power in Plenti Group Ltd. from 18.19% to 16.75% through the sale of shares. This change in substantial holding reflects a strategic decision by Westbourne Trust, potentially impacting its influence within the company and signaling a shift in its investment strategy.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Achieves 126% Cash NPAT Growth and Strategic Milestones in FY25
May 20, 2025

Plenti Group Ltd. reported a significant financial performance for the fiscal year ending March 31, 2025, with a 126% increase in Cash NPAT to $13.8 million and a 23% rise in revenue to $259 million. The company achieved growth across its loan portfolio, reaching $2.5 billion, and implemented strategic initiatives such as launching a car loan with NAB and a loan subvention program with Tesla. The company also secured $60 million in renewable energy funding and completed a successful CEO transition, positioning itself for disciplined, profitable growth in its core lending verticals.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Releases Corporate Governance Statement
May 20, 2025

Plenti Group Limited has released its Corporate Governance Statement, highlighting its commitment to maintaining robust governance practices. This release underscores Plenti’s efforts to ensure transparency and accountability, which are crucial for its operations and stakeholder trust in the competitive fintech industry.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.

Plenti Group Reports Significant Profit Surge in 2025
May 20, 2025

Plenti Group Limited has announced a significant financial turnaround, reporting a profit of $24.757 million for the year ended March 31, 2025, compared to a loss of $14.707 million in the previous year. This remarkable 268.3% increase in profit is attributed to the recognition of deferred tax assets, which boosted the company’s net tangible assets per security. Despite the strong financial performance, no dividends were declared or paid during the period. The company’s Annual General Meeting is scheduled for August 19, 2025, where further details will be provided to shareholders.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.30 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT 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 29, 2025