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Liberty Financial Group Pty Ltd

Financial Services AU LFG

3.2AUD
-(-%)

Last update at 2024-12-24T03:10:00Z

Day Range

3.203.36
LowHigh

52 Week Range

3.014.33
LowHigh

Fundamentals

  • Previous Close 3.20
  • Market Cap971.52M
  • Volume24350
  • P/E Ratio8.42
  • Dividend Yield7.72%
  • EBITDA-
  • Revenue TTM601.97M
  • Revenue Per Share TTM1.98
  • Gross Profit TTM 629.41M
  • Diluted EPS TTM0.38

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 198.01M 250.91M 212.40M 155.75M 93.55M
Minority interest 0.46M 0.32M -7.23600M -7.91200M 3.48M
Net income 181.52M 219.63M 185.92M 46.53M 56.70M
Selling general administrative 96.35M 87.34M 98.33M 119.50M 110.70M
Selling and marketing expenses - - - - -
Gross profit 995.25M 624.53M 623.32M 286.22M 209.12M
Reconciled depreciation 19.18M 17.89M 17.84M - -
Ebit 840.24M 713.24M 671.59M 167.22M 97.54M
Ebitda 859.41M 731.14M 689.43M 179.00M 100.83M
Depreciation and amortization 19.18M 17.89M 17.84M 11.79M 3.29M
Non operating income net other - - - - -
Operating income 840.24M 713.24M 671.59M 167.22M 97.54M
Other operating expenses 392.38M 155.63M 181.16M 663.55M 692.40M
Interest expense 614.03M 462.51M 458.82M 0.00000M 15.71M
Tax provision 16.95M 31.61M 27.02M 21.04M 5.09M
Interest income 600.47M 234.33M 253.26M 344.62M 399.56M
Net interest income -832.33100M -462.78600M -459.13800M - -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 16.95M 31.61M 27.02M 21.04M 5.09M
Total revenue 1232.62M 855.58M 833.16M 830.76M 789.94M
Total operating expenses 155.01M 155.63M 181.16M 119.01M 111.58M
Cost of revenue 237.37M 231.04M 209.84M 544.54M 580.82M
Total other income expense net -642.22700M 13.76M 19.54M -11.46900M -3.99700M
Discontinued operations - - - -7.60000M -
Net income from continuing ops 181.06M 219.31M 185.38M - -
Net income applicable to common shares 181.52M 219.63M 185.92M 24.02M 24.02M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 16305.72M 15692.41M 14325.20M 13567.17M 13013.70M
Intangible assets 212.19M 224.71M 236.99M 249.49M 299.90M
Earning assets - - - - -
Other current assets -1221.27200M 160.30M 145.15M 136.44M 101.57M
Total liab 15109.85M 14519.84M 13209.07M 12528.94M 12012.50M
Total stockholder equity 1198.60M 1172.57M 1117.89M 1039.66M 1001.20M
Deferred long term liab - 2.43M 2.76M 3.25M 3.69M
Other current liab -3674.78600M 121.05M 296.33M 92.95M 11792.10M
Common stock 719.00M 719.00M 719.00M 719.00M 703.60M
Capital stock 719.00M 719.00M 719.00M 719.00M 703.60M
Retained earnings 588.39M 548.49M 502.80M 440.61M 425.80M
Other liab - 92.86M 73.87M 51.63M 38.62M
Good will 32.49M 39.38M 39.23M 39.49M 39.53M
Other assets 16305.72M 73.72M 67.31M 63.46M 89.95M
Cash 940.43M 1342.42M 654.04M 603.87M 484.60M
Cash and equivalents - 1219.93M 546.90M 499.22M 498.47M
Total current liabilities 4069.54M 4557.47M 1753.57M 1909.00M 11905.60M
Current deferred revenue - - - - -
Net debt 13629.00M 12739.16M 12157.04M 11641.25M -484.60000M
Short term debt 3674.79M 0.00000M 1457.25M 1770.60M 0.00000M
Short long term debt 3722.91M 4031.32M 1448.67M 1761.41M -
Short long term debt total 14569.43M - 12811.07M 12245.12M 10242.27M
Other stockholder equity - -94.91800M -125.35000M -114.14500M -140.14400M
Property plant equipment - 27.70M 22.18M 21.95M 23.23M
Total current assets 1881.23M 1717.74M 1251.80M 13188.77M 12298.10M
Long term investments 14074.09M 13361.66M 12710.45M 11968.84M -
Net tangible assets - 910.91M 822.98M 751.57M 735.19M
Short term investments 0.04M 249.93M 250.26M 319.70M 11688.10M
Net receivables 280.80M 297.72M 316.91M 291.16M 125.40M
Long term debt 10904.03M 10050.26M 11353.83M 10474.52M 10231.67M
Inventory - - - - -
Accounts payable - - - 138.40M 113.50M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -108.79000M - -103.90900M -119.94900M -128.20000M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -105.71700M - - -23937.69000M 326.30M
Deferred long term asset charges - - - - -
Non current assets total 14424.49M 13724.75M 13073.40M 378.40M 715.60M
Capital lease obligations 7.07M 9.90M 8.58M 9.19M -
Long term debt total - 10056.59M 11359.64M 10483.30M 10242.27M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -31.87200M -15.40100M -24.37200M -11.97500M -1967.14600M
Change to liabilities 50.81M 9.05M 20.13M -1.06100M 5.69M
Total cashflows from investing activities -12.85100M -15.40100M -24.37200M -328.09300M -1968.52300M
Net borrowings -3.75400M 69.40M 121.13M 121.13M 2238.57M
Total cash from financing activities 1136.86M -68.37500M -3.18800M 255.88M 2150.44M
Change to operating activities -685.59700M -74.83800M -99.78100M 0.05M -23.26200M
Net income 181.52M 219.63M 185.92M 46.53M 56.70M
Change in cash 688.38M 50.17M 105.40M -289.46600M 436.49M
Begin period cash flow 654.04M 603.87M 498.47M 787.93M 351.44M
End period cash flow 1342.42M 654.04M 603.87M 498.47M 787.93M
Total cash from operating activities -435.62800M 133.94M 132.96M 194.33M 104.43M
Issuance of capital stock - - - - -
Depreciation 19.18M 17.24M 17.28M 11.79M 3.29M
Other cashflows from investing activities 25.97M -11.93900M -20.05000M -328.09300M -0.29200M
Dividends paid -149.24200M 137.78M 181.66M 0.70M 0.26M
Change to inventory - - - - -
Change to account receivables -38.00100M -13.24800M -23.44800M -7.88700M -15.03200M
Sale purchase of stock - - - - -
Other cashflows from financing activities 2575.96M 75.58M 189.26M 258.81M 2150.43M
Change to netincome -5.54600M -4.80400M 7.37M 34.19M 87.10M
Capital expenditures 7.12M 3.46M 4.32M 4.38M 3.26M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -630.77900M -420.00000M -303.98400M 3.32M -13.60200M
Stock based compensation 3.86M 1.33M 13.91M - -
Other non cash items 70.81M -6.12900M -6.53700M 154.12M 58.04M
Free cash flow -442.74300M -3.46200M -4.32200M 189.95M 101.18M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (AUD) Price (AUD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
LFG
Liberty Financial Group Pty Ltd		 - -% 3.20 8.42 6.52 1.61 0.81 9.63 11.12
ZIP
Zip Co Limited		 - -% 2.91 291.00 384.62 4.38 9.53 6.75 16.29
LFS
Latitude Financial Services Group Limited		 - -% 1.15 - - 2.83 0.97 6.99 16.49
CCP
Credit Corp Group Ltd		 - -% 16.11 21.77 11.81 2.90 1.33 3.69 13.58
PPM
Pepper Money Ltd		 - -% 1.39 6.30 6.93 1.54 0.71 45.71 -

Reports Covered

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Profile

Liberty Financial Group Limited engages in the financial services business in Australia and New Zealand. It operates in three segments: Residential Finance, Secured Finance, and Financial Services. The company offers residential and commercial mortgages; motor vehicle, commercial, and self-managed superannuation funds (SMSF) lending services; unsecured and secured personal loans; residential and commercial SMSF loans; secured, low doc, and flexible business loans; business lines of credit; and home, commercial property, and car loans. It provides mortgage broking services; and specialty lending, finance and insurance broking, receivables, consumer insurance underwriting, real estate, and fund management services. The company was founded in 1997 and is based in Melbourne, Australia. Liberty Financial Group Limited operates as a subsidiary of Vesta Funding BV.

Liberty Financial Group Pty Ltd

535 Bourke Street, Melbourne, VIC, Australia, 3000

Key Executives

Name Title Year Born
Mr. James Boyle CEO & Exec. Director 1951
Mr. Peter William Riedel CFO & Company Sec. NA
Mr. Sherman Ma Exec. Director NA
Mr. James Boyle CEO & Executive Director 1951
Mr. Peter William Riedel CFO & Company Secretary NA
Mr. Sherman Ma Executive Director NA
Mr. James Boyle CEO & Executive Director 1951
Mr. Peter William Riedel CFO & Company Secretary NA
Mr. Sherman Ma Executive Director NA
Mr. James Boyle CEO & Executive Director 1951

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