Plenti Group Ltd. (PLT) AI Stock Analysis

• Market Cap: AU$146.68M
• Dividend Yield: N/A
• Average Volume (3M): 589.24K
• Price to Earnings (P/E): 6.3
• Beta (1Y): 0.73
• 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: 182,212,940
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.11
• Revenue Forecast (FY): AU$310.27M

• Rating: 64 Neutral
• Price Target: AU$0.81 ▼(-17.88% Downside)
• Action: Reiterated Date: 03/05/26
• Date: Action: Reiterated 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

Plenti's more than threefold revenue increase indicates durable origination scale and deeper market penetration in consumer and automotive lending. Higher loan volumes support fee and interest income growth and create operating leverage that can boost margins and cash generation over multiple quarters.

Negative Factors

High Leverage

A very low equity ratio and heavy reliance on debt magnify balance sheet sensitivity to credit losses or funding stress. High leverage constrains strategic flexibility, raises refinancing risk in tighter markets, and can amplify earnings volatility over the medium 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 headquartere...

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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...

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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

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

• Technical Analysis Sentiment: Negative
• Last Price: 0.99
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 0.99 is above the 20-day moving average (MA) of 0.84, above the 50-day MA of 0.98, and below the 200-day MA of 1.14, indicating a bearish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 40.67 is Neutral, neither overbought nor oversold. The STOCH value of 68.42 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%
EPY	65 Neutral	AU$38.86M	-179.71	3.91%	4.27%	-6.67%	22.09%
PLT	64 Neutral	AU$146.68M	6.29	72.15%	―	19.38%	―
HMY	58 Neutral	AU$80.64M	3.91	24.31%	―	7.92%	―
PNC	52 Neutral	AU$94.60M	2.59	23.10%	―	-0.51%	―
WZR	44 Neutral	AU$35.23M	-2.58	-19.44%	―	-2.35%	13.33%
MME	43 Neutral	AU$65.83M	-1.10	-43.76%	―	-9.56%	-392.31%

Plenti Group Ltd. Corporate Events