Plenti Group Ltd. (PLT) AI Stock Analysis

• Market Cap: AU$237.74M
• Dividend Yield: N/A
• Average Volume (3M): 589.24K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 0.38
• Revenue Growth: 22.94%
• EPS Growth: N/A
• Country: AU
• Employees: 103
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.14
• Shares Outstanding: 179,427,350
• 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$1.75
• Price Target Upside: 36.72% 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 ▲(17.19% 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.

Plenti Group Ltd. Business Overview & Revenue Model

Company Description

Plenti Group Ltd. (PLT) is an Australian financial technology company that operates in the fintech sector, focusing on providing innovative payment solutions and loyalty programs. The company offers a range of services including consumer finance, payment processing, and loyalty rewards, catering to both consumers and businesses. Plenti aims to enhance customer experience by leveraging technology to streamline transactions and provide value-added financial services.

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	98.89M	231.25M	210.99M	143.46M	88.51M	51.59M
Gross Profit	46.79M	98.89M	186.74M	123.22M	58.99M	25.96M
EBITDA	82.96M	144.37M	-6.83M	50.95M	4.78M	-6.89M
Net Income	24.76M	24.76M	-14.71M	-13.58M	-6.32M	-15.09M
Balance Sheet
Total Assets	2.66B	2.66B	2.26B	1.91B	1.47B	689.20M
Cash, Cash Equivalents and Short-Term Investments	177.01M	177.01M	148.87M	143.55M	159.57M	88.41M
Total Debt	2.56B	2.56B	2.19B	1.83B	1.39B	630.19M
Total Liabilities	2.61B	2.61B	2.23B	1.87B	1.42B	643.25M
Stockholders Equity	42.55M	42.55M	26.32M	45.04M	52.67M	45.95M
Cash Flow
Free Cash Flow	93.04M	64.36M	39.18M	19.62M	-5.14M	-3.02M
Operating Cash Flow	93.20M	64.47M	39.24M	20.59M	-3.91M	-2.92M
Investing Cash Flow	-553.21M	-409.38M	-386.22M	-475.24M	-685.87M	-237.56M
Financing Cash Flow	488.40M	372.47M	352.88M	438.44M	761.03M	286.38M

Plenti Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1.28
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 1.28 is below the 20-day moving average (MA) of 1.38, below the 50-day MA of 1.40, and above the 200-day MA of 1.03, indicating a neutral trend. The MACD of -0.03 indicates Positive momentum. The RSI at 37.74 is Neutral, neither overbought nor oversold. The STOCH value of 17.44 is Positive, 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

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$237.74M	9.44	71.90%	―	22.94%	―
HMY	67 Neutral	€97.81M	17.38	15.56%	―	7.92%	―
EPY	65 Neutral	AU$56.68M	20.00	3.91%	3.76%	-6.67%	22.09%
PNC	58 Neutral	AU$104.14M	15.20	12.72%	―	-0.51%	―
WZR	42 Neutral	AU$47.85M	-6.54	-19.44%	―	-2.35%	13.33%
MME	42 Neutral	AU$89.11M	-1.32	-42.59%	―	-9.56%	-392.31%

Plenti Group Ltd. Corporate Events

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.

The most recent analyst rating on (AU:PLT) stock is a Hold 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 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.

The most recent analyst rating on (AU:PLT) stock is a Hold 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 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.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.44 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

Plenti Group Ltd. has announced the quotation of 188,700 fully paid ordinary securities on the ASX, effective September 3, 2025. This move is part of the company’s strategy to strengthen its market position and enhance liquidity, potentially benefiting stakeholders by increasing the company’s visibility and access to capital markets.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.53 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. Issues Unquoted Performance Rights to Employees

Plenti Group Ltd. announced the issuance of 13,603 unquoted performance rights under an employee incentive scheme. This move reflects the company’s ongoing commitment to aligning employee interests with corporate performance, potentially enhancing motivation and retention. The issuance of these securities is not intended for public trading on the ASX, indicating a focus on internal stakeholder engagement rather than market-facing activities.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.53 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 Cessation of Securities

Plenti Group Limited has announced the cessation of certain securities, specifically 217,500 options and 184,668 performance rights, due to the failure to meet the necessary conditions. This cessation reflects a lapse in conditional rights, which may impact the company’s capital structure and potentially affect investor confidence.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.53 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. Expands Market Presence with New Securities Issuance

Plenti Group Ltd. has announced the issuance of 34,583 fully paid ordinary securities, which will be quoted on the Australian Securities Exchange (ASX) under the code PLT. This move is part of the company’s strategy to enhance its market presence and provide more 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$1.53 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. Issues Performance Rights to Boost Employee Incentives

Plenti Group Ltd. announced the issuance of 3,237,489 performance rights as part of an employee incentive scheme. This move is expected to align employee interests with company goals, potentially enhancing productivity and contributing to the company’s competitive positioning in the financial services sector.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.53 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 Shareholder Approval at 2025 AGM

Plenti Group Limited announced that all resolutions were passed at its 2025 Annual General Meeting, indicating strong shareholder support. The resolutions included the adoption of the remuneration report, re-election of a director, approval for future securities issuance, and an increase in non-executive directors’ remuneration, reflecting confidence in the company’s strategic direction and governance.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.53 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 Strong Growth and Strategic Advancements at 2025 AGM

Plenti Group Limited, at its 2025 Annual General Meeting, highlighted significant achievements despite global uncertainties, including an 18% growth in its loan portfolio and a 126% increase in Cash NPAT. The company successfully navigated a CEO transition, which led to a strategic refresh focusing on profitable growth, technology investment, and differentiation in credit capabilities. Plenti’s proprietary technology platform and partnerships with major organizations like NAB and Tesla have bolstered its market position, while its funding sources have strengthened through successful asset-backed securities transactions.

The most recent analyst rating on (AU:PLT) stock is a Buy with a A$1.53 price target. To see the full list of analyst forecasts on Plenti Group Ltd. stock, see the AU:PLT Stock Forecast page.