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Plenti Group Ltd.
(Sydney:PLT)
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Rating:56Neutral
Price Target:
AU$0.72
▼(-5.13% Downside)
Action:Reiterated
Date:05/24/26
The score is primarily supported by operational improvement and strong revenue growth, but is held back by significant balance-sheet leverage risk and weakening/variable profitability and cash-flow momentum. Technically, the stock shows a weak trend, while valuation is a positive offset due to the low P/E.
Positive Factors
Strong revenue growth and profitability shift
Sustained high revenue growth and the shift to positive net income since FY2025 point to a scalable lending model and improving unit economics. Over 2–6 months this supports reinvestment in origination, strengthens creditor confidence, and improves ability to absorb normal credit-cycle losses.
Negative Factors
Very high leverage and thin equity buffer
Extremely high debt relative to equity makes the company highly sensitive to credit losses or rising funding costs. With a thin capital buffer, modest portfolio deterioration or tighter wholesale funding could rapidly erode equity, constrain growth, and force dilutive capital actions within months.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth and profitability shift
Sustained high revenue growth and the shift to positive net income since FY2025 point to a scalable lending model and improving unit economics. Over 2–6 months this supports reinvestment in origination, strengthens creditor confidence, and improves ability to absorb normal credit-cycle losses.
Read all positive factors
Plenti Group Ltd. (PLT) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$148.44M
Dividend YieldN/A
Average Volume (3M)589.24K
Price to Earnings (P/E)10.3
Beta (1Y)0.72
Revenue Growth20.39%
EPS Growth-42.91%
CountryAU
Employees103
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.08
Shares Outstanding184,397,200
10 Day Avg. Volume527,092
30 Day Avg. Volume589,237
Financial Highlights & Ratios
PEG Ratio-0.23
Price to Book (P/B)1.59
Price to Sales (P/S)0.45
P/FCF Ratio2.89
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.56Price Target Upside105.26% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.14
Revenue Forecast (FY)AU$350.03M
Plenti Group Ltd. Business Overview & Revenue Model
Company Description
Operating as an Australian fintech lender, Plenti Group Limited delivers a variety of financial solutions. These include financing for vehicles, renewable energy projects, and personal needs, alongside options for debt consolidation, home improvem...
How the Company Makes Money
Plenti makes money primarily by originating loans and earning interest and fee income on those loans, while funding them through bank facilities and capital markets structures.
Key revenue streams include:
1) Net interest income on loan receivabl...
Plenti Group Ltd. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
28
Negative
Cash Flow
52
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 312.28M | 231.25M | 210.99M | 143.46M | 88.51M |
| Gross Profit | 310.67M | 98.89M | 186.74M | 123.22M | 58.99M |
| EBITDA | 178.23M | 144.37M | -6.83M | 50.95M | 4.78M |
| Net Income | 14.30M | 24.76M | -14.71M | -13.58M | -6.32M |
Balance Sheet | |||||
| Total Assets | 3.21B | 2.66B | 2.26B | 1.91B | 1.47B |
| Cash, Cash Equivalents and Short-Term Investments | 243.80M | 177.01M | 148.87M | 143.55M | 159.57M |
| Total Debt | 3.03B | 2.56B | 2.19B | 1.83B | 1.39B |
| Total Liabilities | 3.12B | 2.61B | 2.23B | 1.87B | 1.42B |
| Stockholders Equity | 88.73M | 42.55M | 26.32M | 45.04M | 52.67M |
Cash Flow | |||||
| Free Cash Flow | 48.80M | 64.36M | 39.18M | 19.62M | -5.14M |
| Operating Cash Flow | 49.10M | 64.47M | 39.24M | 20.59M | -3.91M |
| Investing Cash Flow | -453.59M | -409.38M | -386.22M | -475.24M | -685.87M |
| Financing Cash Flow | 469.63M | 372.47M | 352.88M | 438.44M | 761.03M |
Plenti Group Ltd. Technical Analysis
Positive
0.76
Price Trends
0.76
Positive
0.80
Positive
0.96
Negative
Market Momentum
0.02
Negative
56.45
Neutral
61.93
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 0.76 is below the 20-day moving average (MA) of 0.77, below the 50-day MA of 0.76, and below the 200-day MA of 0.96, indicating a neutral trend. The MACD of 0.02 indicates Negative momentum. The RSI at 56.45 is Neutral, neither overbought nor oversold. The STOCH value of 61.93 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$815.40M | 7.58 | 12.70% | 15.82% | -8.26% | 5.26% | |
60 Neutral | AU$78.28M | 8.10 | 24.85% | ― | 10.39% | ― | |
56 Neutral | AU$148.44M | 10.25 | 20.23% | ― | 20.39% | -42.91% | |
52 Neutral | AU$935.76M | 9.96 | 7.72% | 6.60% | 8.89% | 334.62% | |
50 Neutral | AU$51.11M | -4.68 | -26.13% | ― | 7.47% | 5.97% | |
43 Neutral | AU$61.78M | -1.29 | -43.76% | ― | 17.04% | -121.43% |
* Financial Sector Average
AU:PLT
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Plenti Group Ltd. Corporate Events
Plenti prices record $660.5m auto ABS amid strong investor demand
Jul 23, 2026
Plenti Group Limited, a high-growth digital lender with a $3 billion-plus prime consumer and commercial loan portfolio, specialises in technology-enabled automotive, renewable energy and personal loans. Its model combines smart technology, diversi...
Plenti posts record loan originations and strengthens energy-finance footprint
Jul 21, 2026
Plenti Group Ltd. reported a strong start to FY27, with record quarterly loan originations of $536 million, up 22% year-on-year and 13% on the prior quarter, and record monthly originations in June of $221 million. The loan portfolio expanded to $...
Plenti Director Peter Behrens Increases Indirect Shareholding
Jul 8, 2026
Plenti Group Limited has disclosed a change in director Peter Behrens’ interests, noting an on-market purchase of additional fully paid ordinary shares. The transaction reflects an indirect holding structure through nominee and pension-relat...
Plenti Issues Over 4 Million Unquoted Performance Rights Under Staff Incentive Plan
Jul 6, 2026
Plenti Group Ltd. has notified the market of the issuance of 4,099,242 unquoted performance rights under its employee incentive scheme. The new securities, which are not intended to be quoted on the ASX, were issued on July 1, 2026, signalling con...
Plenti Seeks ASX Quotation for 226,324 Newly Issued Shares
Jun 3, 2026
Plenti Group Ltd., the ASX-listed financial services firm trading under ticker PLT, continues to manage its capital structure through the issuance of ordinary fully paid shares to investors in the Australian market.The company has applied for quot...
Plenti Issues Over 1.3 Million Unquoted Performance Rights Under Incentive Scheme
Jun 3, 2026
Plenti Group Ltd has notified the market of the issue of 1,323,707 unquoted performance rights under its employee incentive scheme, with an issue date of 27 May 2026. The new rights, which will not be quoted on the ASX, indicate an ongoing focus o...
Plenti Director Forfeits Portion of Performance Rights
Jun 2, 2026
Plenti Group Limited has disclosed a change in the interests of director Daniel Foggo, in line with ASX listing rule requirements. The notice records an adjustment to his equity-based incentives but does not involve any cash consideration or on-ma...
Plenti trims potential dilution as options and performance rights lapse
Jun 2, 2026
Plenti Group Limited has updated the market on changes to its issued capital, confirming the lapse of a series of options and performance rights that failed to meet their specified conditions. The ceased securities include 277,622 options (PLTAA) ...
Plenti corrects director equity disclosure after performance rights conversion
Jun 2, 2026
Plenti Group Limited has corrected an earlier regulatory filing relating to director Daniel Foggo’s holdings of performance rights. The amended disclosure shows his performance rights after the change were 261,572, rather than 1,340,774 prev...
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.