Plenti Group Ltd. (AU:PLT)
ASX:PLT
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Plenti Group Ltd.
(Sydney:PLT)
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Rating:64Neutral
Price Target:
AU$0.86
▼(-13.54% Downside)
Action:ReiteratedDate:03/05/26
The score is driven by strong financial performance (rapid revenue growth, improved profitability, and solid free cash flow) and supportive valuation from a low P/E. These positives are tempered by elevated leverage on the balance sheet and notably weak technicals, with the stock in a downtrend and negative momentum despite oversold readings.
Positive Factors
Strong revenue growth
Sustained multi-year revenue expansion (tripling in the latest period) indicates durable demand for Plenti's lending products and growing origination capability. A larger loan book supports scale economics, broader borrower diversification and a stronger recurring interest income base over months.
Negative Factors
High leverage / low equity ratio
A very low equity ratio and materially leveraged balance sheet leave limited loss-absorbing capacity and heighten solvency sensitivity to credit deterioration or funding stress. Over months this constrains flexibility to grow originations and raises refinancing and covenant risks with lenders.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
Sustained multi-year revenue expansion (tripling in the latest period) indicates durable demand for Plenti's lending products and growing origination capability. A larger loan book supports scale economics, broader borrower diversification and a stronger recurring interest income base over months.
Read all positive factors
Plenti Group Ltd. (PLT) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$150.33M
Dividend YieldN/A
Average Volume (3M)589.24K
Price to Earnings (P/E)6.3
Beta (1Y)0.76
Revenue Growth19.38%
EPS GrowthN/A
CountryAU
Employees103
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.05
Shares Outstanding182,212,940
10 Day Avg. Volume527,092
30 Day Avg. Volume589,237
Financial Highlights & Ratios
PEG Ratio-0.02
Price to Book (P/B)3.60
Price to Sales (P/S)0.66
P/FCF Ratio2.38
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.58Price Target Upside59.60% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.14
Revenue Forecast (FY)AU$364.20M
Plenti Group Ltd. Business Overview & Revenue Model
Company Description
Plenti 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 headquartere...
How the Company Makes Money
Plenti primarily makes money by originating loans (e.g., automotive and personal loans) and earning net interest income: it charges borrowers interest and fees on loans and pays interest and funding costs to its funding providers (warehouse facili...
Plenti Group Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
65
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 197.93M | 231.25M | 210.99M | 143.46M | 88.51M | 51.59M |
| Gross Profit | 131.41M | 98.89M | 186.74M | 123.22M | 58.99M | 25.96M |
| EBITDA | 101.79M | 144.37M | -6.83M | 50.95M | 4.78M | -6.89M |
| Net Income | 34.35M | 24.76M | -14.71M | -13.58M | -6.32M | -15.09M |
Balance Sheet | ||||||
| Total Assets | 2.91B | 2.66B | 2.26B | 1.91B | 1.47B | 689.20M |
| Cash, Cash Equivalents and Short-Term Investments | 181.09M | 177.01M | 148.87M | 143.55M | 159.57M | 88.41M |
| Total Debt | 2.80B | 2.56B | 2.19B | 1.83B | 1.39B | 630.19M |
| Total Liabilities | 2.86B | 2.61B | 2.23B | 1.87B | 1.42B | 643.25M |
| Stockholders Equity | 52.67M | 42.55M | 26.32M | 45.04M | 52.67M | 45.95M |
Cash Flow | ||||||
| Free Cash Flow | 84.57M | 64.36M | 39.18M | 19.62M | -5.14M | -3.02M |
| Operating Cash Flow | 84.69M | 64.47M | 39.24M | 20.59M | -3.91M | -2.92M |
| Investing Cash Flow | -667.15M | -409.38M | -386.22M | -475.24M | -685.87M | -237.56M |
| Financing Cash Flow | 614.09M | 372.47M | 352.88M | 438.44M | 761.03M | 286.38M |
Plenti Group Ltd. Technical Analysis
Neutral
0.99
Price Trends
0.88
Negative
1.03
Negative
1.14
Negative
Market Momentum
-0.01
Negative
49.52
Neutral
35.28
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PLT, the sentiment is Neutral. The current price of 0.99 is above the 20-day moving average (MA) of 0.80, above the 50-day MA of 0.88, and below the 200-day MA of 1.14, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 49.52 is Neutral, neither overbought nor oversold. The STOCH value of 35.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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% | |
65 Neutral | AU$41.45M | -179.71 | 2.15% | 4.27% | -6.67% | 22.09% | |
64 Neutral | AU$150.33M | 6.29 | 72.15% | ― | 19.38% | ― | |
58 Neutral | AU$80.12M | 3.91 | 24.31% | ― | 7.92% | ― | |
52 Neutral | AU$96.99M | 2.59 | 23.10% | ― | -0.51% | ― | |
43 Neutral | AU$33.47M | -2.58 | -19.44% | ― | -2.35% | 13.33% | |
43 Neutral | AU$70.71M | -1.10 | -43.76% | ― | -9.56% | -392.31% |
* Financial Sector Average
AU:PLT
Plenti Group Ltd.
0.83
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0.02
-0.01
-40.00%
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Pioneer Credit Ltd
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0.21
52.50%
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EarlyPay Limited
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-23.81%
AU:MME
MoneyMe Ltd.
0.08
-0.04
-30.83%
Plenti Group Ltd. Corporate Events
Plenti to Brief Investors on March-Quarter Trading in Upcoming Webcast
Apr 17, 2026
Plenti Group Ltd. plans to release its trading update for the quarter ended 31 March 2026 on 22 April 2026, offering investors fresh insight into its recent financial and operational performance. The company will host a webcast that morning, led b...
All Ordinaries Rebalance Boosts Critical Minerals and Growth Sectors
Mar 10, 2026
Plenti Group Ltd. is associated with the Australian equity market through SP Dow Jones Indices’ All Ordinaries benchmark, which tracks a broad universe of companies listed on the ASX across sectors including resources, technology, financials...
Plenti seeks ASX quotation for 1.54m new ordinary shares
Mar 4, 2026
Plenti Group Ltd. has applied for quotation on the ASX of 1,539,761 new ordinary fully paid shares, to be issued on March 4, 2026. The new securities arise from the exercise or conversion of existing options or other convertible instruments, modes...
Plenti recruits seasoned finance chief to steer next growth phase
Feb 4, 2026
Plenti appointed veteran finance executive Selena Verth as CFO effective 1 July 2026 after an external search, tasking her with balance sheet strategy, reporting, treasury and investor relations as the company pursues its Horizon 2 growth agenda. ...
Plenti Hits $3bn Loan Portfolio Early After Fifth Straight Record Quarter
Jan 27, 2026
Plenti Group reported its fifth consecutive quarter of record loan originations in the December 2025 quarter, with $480 million in new loans driving its portfolio to $2.98 billion, up 24% year-on-year, and achieving its FY26 $3 billion portfolio t...
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.