Plenti Group Ltd. (PLT) AI Stock Analysis

• Market Cap: AU$147.40M
• Dividend Yield: N/A
• Average Volume (3M): 86.95K
• Price to Earnings (P/E): 6.2
• Beta (1Y): 0.56
• Revenue Growth: 35.12%
• EPS Growth: 8.03%
• Country: AU
• Employees: 103
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Credit Services
• EPS (TTM): 0.14
• Shares Outstanding: 176,523,040
• 10 Day Avg. Volume: 125,786
• 30 Day Avg. Volume: 86,955
• PEG Ratio: -5.54
• Price to Book (P/B): 7.76
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 3.03
• 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$1.58
• Price Target Upside: 81.61% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 45 Neutral
• Price Target: ―

Plenti Group Ltd.'s overall stock score reflects significant financial challenges, with consistent net losses and high leverage posing major risks. Technical indicators provide mixed signals, with no strong momentum currently. The negative P/E ratio and absence of a dividend yield further contribute to a cautious valuation outlook.

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 primarily through the interest income earned on loans provided to customers across its personal, automotive, and renewable energy lending segments. The company employs a peer-to-peer lending model, connecting borrowers with investors who fund the loans. Plenti charges borrowers an interest rate based on factors such as creditworthiness, loan amount, and term, while also earning a service fee from investors for managing the loan portfolio. Additionally, the company benefits from economies of scale and technological efficiencies, which help reduce operational costs and enhance profitability. Strategic partnerships with financial institutions and other stakeholders further support Plenti's growth and expansion in the lending market.

Plenti Group Ltd. Financial Statement Overview

Summary

Plenti Group Ltd. faces financial challenges with consistent net losses and high leverage. While there are signs of improved cash flow management, the company's financial position is risky due to high debt and low equity. Efforts to stabilize revenue and profit margins are critical for future financial health and stability.

Income Statement

The company's income statement shows a challenging environment with fluctuating revenue and consistent net losses over recent years. The gross profit margin has improved, but the net profit margin remains negative due to significant net losses. Revenue growth has been inconsistent, with a notable decline in the most recent period.

Balance Sheet

The balance sheet reflects high leverage with a debt-to-equity ratio over the industry norm due to substantial liabilities compared to equity. While total assets have grown, the equity ratio remains low, indicating potential financial instability and high risk if market conditions worsen. The return on equity remains negative due to sustained net losses.

Cash Flow

Cash flow statements reveal improving operating cash flow and positive free cash flow, suggesting better cash management despite net losses. However, the free cash flow growth rate is volatile, and the company remains heavily reliant on financing activities to maintain liquidity.

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
83.84M	71.94M	143.46M	88.51M	51.59M	40.55M
	Gross Profit
71.35M	47.69M	123.22M	58.99M	25.96M	17.75M
	EBIT
8.36M	-12.15M	74.23M	16.03M	-7.95M	-6.69M
	EBITDA
122.14M	-6.83M	50.95M	17.06M	-6.89M	-16.70M
	Net Income Common Stockholders
-14.40M	-14.71M	-13.58M	-6.32M	-15.09M	-16.23M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
42.48M	148.87M	143.55M	159.57M	88.41M	42.48M
	Total Assets
407.19M	2.26B	1.91B	1.47B	689.20M	407.19M
	Total Debt
403.19M	2.19B	1.83B	1.39B	630.19M	403.19M
	Net Debt
361.16M	2.04B	1.69B	1.24B	542.26M	361.16M
	Total Liabilities
413.64M	2.23B	1.87B	1.42B	643.25M	413.64M
	Stockholders Equity
-6.45M	26.32M	45.04M	52.67M	45.95M	-6.45M
Cash Flow		Free Cash Flow
50.13M	39.18M	19.62M	-5.14M	-3.02M	-2.65M
	Operating Cash Flow
49.98M	39.24M	20.59M	-3.91M	-2.92M	-2.18M
	Investing Cash Flow
-298.42M	-386.22M	-475.24M	-685.87M	-237.56M	-126.55M
	Financing Cash Flow
255.97M	352.88M	438.44M	761.03M	286.38M	142.24M

Plenti Group Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.87
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 0.87 is above the 20-day moving average (MA) of 0.84, above the 50-day MA of 0.81, and above the 200-day MA of 0.75, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 60.86 is Neutral, neither overbought nor oversold. The STOCH value of 53.88 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	64 Neutral	$12.66B	9.79	7.67%	17015.07%	12.23%	-6.06%
PLT	45 Neutral	AU$147.40M	6.20	71.90%	―	35.12%	8.03%
UKC		€88.96M	6.75	9.12%	9.45%	―	―
F5L		€146.60M	6.95	7.81%	5.26%	―	―
SNC	75 Outperform	AU$116.07M	7.25	13.15%	6.71%	-13.51%	-9.61%
AFG	62 Neutral	AU$574.03M	19.26	15.01%	3.68%	9.49%	-0.36%

Plenti Group Ltd. Corporate Events

Plenti Group Achieves Record Loan Originations and Cash NPAT Growth

Plenti Group Ltd. reported a record-breaking quarter with loan originations reaching $407 million, marking a 42% increase compared to the previous corresponding period. Despite challenges such as Cyclone Alfred, the company’s strong performance across all lending verticals contributed to a full-year Cash NPAT growth of 126% to $13.8 million, setting a positive outlook for continued profitability in FY26.

Plenti Group to Announce 4Q25 Results with Webcast

Plenti Group Limited is set to release its fourth quarter results for the period ending 31 March 2025 on 30 April 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 strategies and market positioning within the fintech lending industry.

Plenti Group Ltd. Announces New Securities Quotation on ASX

Plenti Group Ltd. has announced the issuance of 755,855 ordinary fully paid securities, which will be quoted on the ASX as of March 3, 2025. This move is part of the company’s strategic efforts to strengthen its capital base, potentially enhancing its market position and providing more opportunities for growth and expansion.

Plenti Group Secures $509 Million in First 2025 Auto ABS Deal

Plenti Group Limited announced the pricing of a $509 million asset-backed securities (ABS) transaction, backed by prime automotive loan receivables, marking its first deal in the Australian securitisation market for 2025. The transaction attracted strong demand from both domestic and offshore investors, achieving better pricing levels compared to similar deals in 2024, with a significant reduction in the weighted average note margin. This success highlights Plenti’s robust position in the market and the effectiveness of its Treasury team in fostering relationships with global ABS investors.