Plenti Group Ltd. (PLT) AI Stock Analysis

• Market Cap: AU$201.45M
• Dividend Yield: N/A
• Average Volume (3M): 589.24K
• Price to Earnings (P/E): 5.8
• Beta (1Y): 0.21
• Revenue Growth: 19.38%
• EPS Growth: N/A
• Country: AU
• Employees: 103
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.05
• Shares Outstanding: 180,673,170
• 10 Day Avg. Volume: 527,092
• 30 Day Avg. Volume: 589,237
• PEG Ratio: -0.02
• Price to Book (P/B): 3.60
• Price to Sales (P/S): 0.66
• P/FCF Ratio: 2.38
• 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$1.78
• Price Target Upside: 58.93% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: AU$1.50 ▲(33.93% Upside)

Plenti Group Ltd. shows strong financial performance with significant revenue growth and profitability improvements. However, high leverage and bearish technical indicators present risks. The stock's valuation suggests it may be undervalued, offering potential upside.

Positive Factors

Revenue Growth

The substantial revenue growth indicates strong market demand and effective business strategies, enhancing the company's competitive position and long-term viability.

Cash Generation

Strong cash generation supports liquidity and provides financial flexibility for strategic investments and debt management, contributing to sustainable growth.

Profitability Improvements

The shift to profitability reflects enhanced operational efficiency and cost management, which can lead to better margins and shareholder value over time.

Negative Factors

High Leverage

High leverage can limit financial flexibility and increase risk, particularly in volatile markets, potentially impacting long-term financial health.

Reliance on Debt Financing

Dependence on debt financing can strain cash flows and limit growth opportunities, posing a risk to financial stability if interest rates rise.

Volatility in Margins

Fluctuating margins may indicate inconsistent cost control or pricing power, which could affect profitability and competitive positioning in the long term.

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 headquartered in Sydney, Australia.

How the Company Makes Money

Plenti Group Ltd. generates revenue predominantly through interest income from its consumer finance products, which include personal loans and payment plans. The company also earns fees from merchants for processing transactions and from businesses participating in its loyalty programs. Additionally, Plenti may benefit from partnerships with financial institutions and retailers that enhance its service offerings and extend its market reach. Key revenue streams include loan origination fees, ongoing interest from loans, and transaction fees from payment processing.

Plenti Group Ltd. Financial Statement Overview

Summary

Plenti Group Ltd. demonstrates strong revenue growth and a positive swing to net income profitability, indicating improved operational efficiency. However, the high debt-to-equity ratio and reliance on debt financing pose financial risks, despite positive trends in stockholders' equity and cash flow.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	197.93M	231.25M	210.99M	143.46M	88.51M	51.59M
Gross Profit	-3.70M	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

• Technical Analysis Sentiment: Negative
• Last Price: 1.12
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PLT, the sentiment is Negative. The current price of 1.12 is below the 20-day moving average (MA) of 1.18, below the 50-day MA of 1.28, and above the 200-day MA of 1.08, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 36.03 is Neutral, neither overbought nor oversold. The STOCH value of 51.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:PLT.

Plenti Group Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PLT	67 Neutral	AU$201.45M	5.84	95.31%	―	19.38%	―
EPY	65 Neutral	AU$54.36M	19.52	3.91%	3.85%	-6.67%	22.09%
HMY	58 Neutral	€91.57M	15.71	15.56%	―	7.92%	―
PNC	52 Neutral	AU$104.94M	15.08	12.72%	―	-0.51%	―
WZR	42 Neutral	AU$52.76M	-5.58	-19.44%	―	-2.35%	13.33%
MME	42 Neutral	AU$89.25M	-1.32	-42.59%	―	-9.56%	-392.31%

Plenti Group Ltd. Corporate Events

Plenti Group Ltd. Announces Cessation of Securities

Plenti Group Ltd. announced the cessation of 184,668 securities due to the lapse of conditional rights, as the conditions were not met or became incapable of being satisfied. This announcement may impact the company’s capital structure and could influence stakeholder perceptions regarding the company’s financial management and strategic direction.

Plenti Group Ltd. Announces Quotation of New Securities on ASX

Plenti Group Ltd. has announced the quotation of 1,245,811 fully paid ordinary securities on the Australian Securities Exchange (ASX) as of December 1, 2025. This move is part of the company’s strategic efforts to enhance its market presence and provide liquidity to its stakeholders, potentially impacting its operational capabilities and industry standing.

Plenti Group Ltd. Appoints New Director

Plenti Group Ltd. has announced the appointment of Jacqui Colwell as a director, effective from November 26, 2025. The announcement indicates that Colwell currently holds no relevant interests in securities, either as a registered holder or through contracts. This appointment could potentially strengthen the company’s governance and strategic direction, impacting its market positioning positively.

Plenti Group Appoints Jacqui Colwell as Non-Executive Director

Plenti Group Ltd has appointed Jacqui Colwell as an Independent Non-Executive Director to its Board, effective November 26, 2025. With over 30 years of experience in the financial services industry, Colwell’s expertise in banking, payments, credit and risk management, and regulatory compliance is expected to significantly contribute to Plenti’s strategic priorities and enhance its industry positioning.

Plenti Group Ltd. Reports Robust Financial Growth in 1H25

Plenti Group Ltd. reported significant financial growth for the first half of 2025, with a 147% increase in cash profit before tax and a 133% rise in cash net profit after tax compared to the previous year. The company’s loan originations reached $912 million, marking a 46% increase, while its loan portfolio grew to $2.83 billion. Plenti’s advancements in technology and strategic initiatives, such as the successful launch of the WA Residential Battery Scheme and the ‘NAB powered by Plenti’ car loan product, have reinforced its market position and operational efficiency, contributing to its strong profitability and anticipated tax obligations.

Plenti Group Reports Robust Financial Growth in FY26 Half-Year Results

Plenti Group Limited reported a significant increase in its financial performance for the half-year ended 30 September 2025, with revenues rising by 20.3% to $149.5 million and profits surging by 1,026.1% to $10.5 million. This substantial profit growth has also led to an increase in net tangible assets per ordinary security, reflecting the company’s strong financial health and strategic positioning in the fintech lending market.

Plenti Group Secures Largest $559 Million Auto ABS Deal

Plenti Group Limited has announced the pricing of its largest asset-backed securities (ABS) transaction to date, valued at $559 million and backed by automotive loan receivables. This marks Plenti’s sixth automotive loan ABS and eleventh overall, with total issuance exceeding $4.3 billion. The transaction attracted strong demand from both returning and new investors, allowing Plenti to secure its largest issuance volume ever at its tightest pricing since 2021. The transaction is expected to settle around 20 November 2025, with National Australia Bank, Westpac Banking Corporation, and Bank of America acting as joint-lead managers.

Plenti Group to Announce Half-Year Financial Results

Plenti Group Limited is set to release its half-year results for the period ending 30 September 2025 on 18 November 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 financial health, potentially impacting its market positioning and investor confidence.

Plenti Group Ltd. Issues Performance Rights to Boost Employee Incentives

Plenti Group Ltd. has announced the issuance of 102,817 performance rights under its employee incentive scheme. This move is part of the company’s strategy to motivate and retain talent, which could strengthen its operational capabilities and competitive positioning in the financial services sector.

Plenti Group Achieves Record Loan Originations in Fourth Consecutive Growth Quarter

Plenti Group Ltd. reported a record quarter with loan originations reaching $475 million, marking the fourth consecutive quarter of growth. The company’s loan portfolio increased to $2.83 billion, driven by strong performance across its automotive, renewable energy, and personal loan sectors. Plenti’s strategic focus on technology and partnerships has resulted in significant revenue growth and improved credit performance, positioning the company well to achieve its goal of a $3 billion loan book by the end of the financial year.

Plenti Group to Announce 2Q26 Results with Webcast

Plenti Group Limited is set to release its second-quarter results for the period ending 30 September 2025 on 21 October 2025. The announcement will be accompanied by a webcast hosted by CEO Adam Bennett and CFO Miles Drury, providing insights into the company’s performance. This update is significant for stakeholders as it reflects Plenti’s ongoing operational progress and market positioning in the fintech lending industry.