Plenti Group Ltd. (AU:PLT)
ASX:PLT
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Plenti Group Ltd.
(Sydney:PLT)
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Rating:56Neutral
Price Target:
AU$0.85
▼(-14.65% Downside)
Action:Reiterated
Date:05/24/26
The score is primarily supported by operational improvement and strong revenue growth, but is held back by significant balance-sheet leverage risk and weakening/variable profitability and cash-flow momentum. Technically, the stock shows a weak trend, while valuation is a positive offset due to the low P/E.
Positive Factors
Strong revenue growth
Accelerating top-line growth (57.8% in FY2026) indicates durable expansion of the loan book and stronger origination volumes. For a finance lender, sustained revenue growth supports scale economies in funding, higher net interest income and recurring fee streams over the medium term.
Negative Factors
Very high leverage / thin equity
Extremely high leverage and minimal equity create a thin capital buffer for a credit business. Small equity relative to debt amplifies the impact of credit losses or higher funding costs, making the franchise vulnerable to adverse economic shocks and raising refinancing and solvency risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
Accelerating top-line growth (57.8% in FY2026) indicates durable expansion of the loan book and stronger origination volumes. For a finance lender, sustained revenue growth supports scale economies in funding, higher net interest income and recurring fee streams over the medium term.
Read all positive factors
Plenti Group Ltd. (PLT) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$143.95M
Dividend YieldN/A
Average Volume (3M)589.24K
Price to Earnings (P/E)10.0
Beta (1Y)0.74
Revenue Growth20.39%
EPS Growth-42.91%
CountryAU
Employees103
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.08
Shares Outstanding182,212,940
10 Day Avg. Volume527,092
30 Day Avg. Volume589,237
Financial Highlights & Ratios
PEG Ratio-0.23
Price to Book (P/B)1.59
Price to Sales (P/S)0.45
P/FCF Ratio2.89
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.69Price Target Upside70.71% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.13
Revenue Forecast (FY)AU$351.60M
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 and servicing loans and earning the spread between the interest it charges borrowers and its own funding costs. Key revenue streams include: (1) Net interest income: interest and fees charged on consumer...
Plenti Group Ltd. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
28
Negative
Cash Flow
52
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 312.28M | 231.25M | 210.99M | 143.46M | 88.51M |
| Gross Profit | 310.67M | 98.89M | 186.74M | 123.22M | 58.99M |
| EBITDA | 178.23M | 144.37M | -6.83M | 50.95M | 4.78M |
| Net Income | 14.30M | 24.76M | -14.71M | -13.58M | -6.32M |
Balance Sheet | |||||
| Total Assets | 3.21B | 2.66B | 2.26B | 1.91B | 1.47B |
| Cash, Cash Equivalents and Short-Term Investments | 243.80M | 177.01M | 148.87M | 143.55M | 159.57M |
| Total Debt | 3.03B | 2.56B | 2.19B | 1.83B | 1.39B |
| Total Liabilities | 3.12B | 2.61B | 2.23B | 1.87B | 1.42B |
| Stockholders Equity | 88.73M | 42.55M | 26.32M | 45.04M | 52.67M |
Cash Flow | |||||
| Free Cash Flow | 48.80M | 64.36M | 39.18M | 19.62M | -5.14M |
| Operating Cash Flow | 49.10M | 64.47M | 39.24M | 20.59M | -3.91M |
| Investing Cash Flow | -453.59M | -409.38M | -386.22M | -475.24M | -685.87M |
| Financing Cash Flow | 469.63M | 372.47M | 352.88M | 438.44M | 761.03M |
Plenti Group Ltd. Technical Analysis
Negative
0.99
Price Trends
0.84
Negative
0.93
Negative
1.12
Negative
Market Momentum
-0.02
Positive
41.95
Neutral
19.17
Positive
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 0.83, above the 50-day MA of 0.84, and below the 200-day MA of 1.12, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 41.95 is Neutral, neither overbought nor oversold. The STOCH value of 19.17 is Positive, 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
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% | |
58 Neutral | AU$83.77M | 8.81 | 23.96% | ― | 10.39% | ― | |
56 Neutral | AU$143.95M | 10.00 | 20.23% | ― | 20.39% | -42.91% | |
53 Neutral | AU$30.64M | 21.08 | 2.15% | 4.27% | -5.15% | -9.52% | |
52 Neutral | AU$95.40M | 6.28 | 23.10% | ― | 7.36% | ― | |
43 Neutral | AU$68.27M | -1.36 | -43.76% | ― | 17.04% | -121.43% | |
41 Neutral | AU$38.77M | -3.62 | -26.13% | ― | 7.47% | 5.97% |
* Financial Sector Average
AU:PLT
Plenti Group Ltd.
0.79
-0.09
-10.23%
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Harmoney Corp Ltd
0.81
0.23
38.46%
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Wisr Ltd.
0.02
>-0.01
-26.67%
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Pioneer Credit Ltd
0.60
0.11
22.45%
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EarlyPay Limited
0.13
-0.08
-37.50%
AU:MME
MoneyMe Ltd.
0.08
-0.06
-40.00%
Plenti Group Ltd. Corporate Events
Plenti posts record cash profit and tops $3bn loan book ahead of target
Apr 21, 2026
Plenti Group Ltd reported unaudited FY26 Cash profit before tax of $30.8 million and Cash NPAT of $27.3 million, representing triple-digit percentage growth on the prior year while meeting all stated targets for growth, profitability and efficienc...
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...
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.