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Mystate Ltd

Financial Services AU MYS

4.25AUD
0.08(1.92%)

Last update at 2024-12-19T05:11:00Z

Day Range

4.174.26
LowHigh

52 Week Range

2.734.17
LowHigh

Fundamentals

  • Previous Close 4.17
  • Market Cap447.10M
  • Volume406865
  • P/E Ratio14.39
  • Dividend Yield5.65%
  • EBITDA-
  • Revenue TTM151.23M
  • Revenue Per Share TTM1.37
  • Gross Profit TTM 141.25M
  • Diluted EPS TTM0.28

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax 55.19M 45.90M 52.06M 42.99M 42.62M
Minority interest - - - - -
Net income 38.50M 32.03M 36.34M 30.06M 30.06M
Selling general administrative 65.75M 60.50M 54.57M 52.85M 54.56M
Selling and marketing expenses 10.23M 10.30M 6.39M 5.25M 4.59M
Gross profit 158.97M 138.33M 137.15M 127.15M 118.72M
Reconciled depreciation 7.07M 8.92M 10.06M 8.93M 5.50M
Ebit 48.11M 36.99M 42.00M 34.05M 156.55M
Ebitda 55.19M 45.90M 52.06M 42.99M 162.04M
Depreciation and amortization 7.07M 8.92M 10.06M 8.93M 5.50M
Non operating income net other - - - - -
Operating income 48.11M 36.99M 42.00M 34.05M 156.55M
Other operating expenses 102.65M 95.35M 87.46M 80.95M 57.90M
Interest expense 220.38M 49.50M 52.38M 88.81M 112.72M
Tax provision 16.68M 13.88M 15.72M 12.93M 12.84M
Interest income 352.97M 159.75M 164.34M 188.33M 202.10M
Net interest income 132.59M 110.25M 111.95M 99.52M 89.38M
Extraordinary items - - - 0.00000M 1.21M
Non recurring - - - - -
Other items - - - - -
Income tax expense 16.68M 13.88M 15.72M 12.93M 12.84M
Total revenue 158.97M 138.33M 137.15M 127.15M 118.72M
Total operating expenses 102.65M 95.35M 87.46M 80.95M 57.90M
Cost of revenue - - - - -
Total other income expense net 55.19M 45.90M 52.06M 42.99M -113.92900M
Discontinued operations - - - - 1.21M
Net income from continuing ops 38.50M 32.03M 36.34M 30.06M 29.78M
Net income applicable to common shares 38.50M 32.03M 36.34M 30.06M 30.99M
Preferred stock and other adjustments - - - - -
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 9168.38M 9124.28M 8079.85M 6542.48M 6095.81M
Intangible assets - 12.77M 13.69M 18.33M 19.32M
Earning assets - - - 710.97M 542.57M
Other current assets 114.54M - 6163.62M 4915.94M 4753.51M
Total liab 8703.44M 8666.72M 7649.93M 6127.26M 5761.48M
Total stockholder equity 464.94M 457.56M 429.91M 415.21M 334.32M
Deferred long term liab - - - - -
Other current liab 3167.10M -1717.85800M - -1128.29700M -1484.04600M
Common stock 228.60M 225.27M 211.17M 208.20M 152.78M
Capital stock - 225.27M 211.17M 208.20M 152.78M
Retained earnings 233.50M 223.50M 209.79M 207.28M 182.45M
Other liab - - 7.43M 4.16M 3.31M
Good will 65.15M 65.15M 65.15M 65.15M 65.15M
Other assets - 8910.61M 7871.33M 6367.05M 5875.34M
Cash -114.54400M 175.78M 160.14M 112.12M 151.12M
Cash and equivalents - - - - -
Total current liabilities 3699.60M 1717.86M 1250.12M 1128.30M 1484.05M
Current deferred revenue - - - - -
Net debt 2426.59M 1591.90M 1139.74M 1050.83M 1367.74M
Short term debt 532.50M 1717.86M 1250.12M 1128.30M 1484.05M
Short long term debt - 1717.86M 1250.12M 1128.30M 1484.05M
Short long term debt total 2312.04M 1767.68M 1299.88M 1162.96M 1518.85M
Other stockholder equity - -451.13900M -423.21200M -415.47800M -335.22400M
Property plant equipment - 7.98M 10.45M 11.68M 19.49M
Total current assets 114.54M 127.78M 119.22M 80.27M 116.50M
Long term investments - 928.15M 833.40M 707.73M 543.61M
Net tangible assets - - 351.07M 331.74M 249.85M
Short term investments - 928.15M 833.40M 707.73M 543.61M
Net receivables - - 42.31M 35.85M 34.62M
Long term debt - 49.82M 49.76M 34.66M 1504.19M
Inventory - - - 3.80M -
Accounts payable - - 6315.52M 4937.44M 4207.09M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 2.83M 8.79M 8.96M -0.26400M -0.90200M
Additional paid in capital - - - - -
Common stock total equity - - - - 152.78M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 8975.17M -85.89900M -89.29800M -95.15600M -103.96200M
Deferred long term asset charges - - - - -
Non current assets total 9053.83M 85.90M 89.30M 95.16M 103.96M
Capital lease obligations - - - - -
Long term debt total - 1922.38M 1299.88M 1162.96M 1518.85M
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Investments -12.46100M -5.18300M -0.27800M -4.78100M -5.05100M
Change to liabilities - - 3.62M -0.61400M -1.15300M
Total cashflows from investing activities - -5.18300M -0.27800M -4.78100M -5.05100M
Net borrowings - - 113.14M 47.07M 0.11M
Total cash from financing activities -22.38800M 87.32M 88.61M 90.84M -22.23900M
Change to operating activities - - -1370.52200M -322.75900M -292.53000M
Net income 35.29M 38.50M 32.03M 36.34M 30.06M
Change in cash -13.23400M 8.56M 38.95M -36.23600M 36.51M
Begin period cash flow 127.78M 119.22M 80.27M 116.50M 79.99M
End period cash flow 114.54M 127.78M 119.22M 80.27M 116.50M
Total cash from operating activities 31.34M -943.63500M -1452.96900M -447.48000M -342.40900M
Issuance of capital stock 0.04M 0.05M 0.06M 0.08M 0.09M
Depreciation 7.29M 5.53M 3.29M 4.26M 4.06M
Other cashflows from investing activities - 0.00000M 4.76M 0.00000M 0.01M
Dividends paid 22.16M 10.61M 24.59M 11.66M 22.44M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - -868.12000M -1417.07500M 49.98M -406.40500M
Other cashflows from financing activities 1.42M 967.99M 1543.64M 55.34M 406.62M
Change to netincome - - -4.37900M -0.37600M 2.10M
Capital expenditures 12.46M 5.18M 5.04M 4.78M 5.06M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -3.97800M -259.69300M -175.13200M -224.33200M -29.83000M
Stock based compensation - 0.29M 0.23M 0.50M 0.23M
Other non cash items 35.32M -987.94900M -1488.51300M -488.58600M -376.76100M
Free cash flow 18.88M -948.81800M -1458.01200M -452.26100M -347.47100M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

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)
MYS
Mystate Ltd		 0.08 1.92% 4.25 14.39 11.76 2.96 0.97 17.95 -
BEN
Bendigo And Adelaide Bank Ltd		 -0.19 1.41% 13.28 15.16 13.44 4.01 1.07 8.77 -
BENPH
Bendigo and Adelaide Bank Ltd Cap Note 3-bbsw+3.80%		 0.04 0.04% 103.98 108.91 - - - - -
BOQ
Bank Of Queensland Ltd.		 -0.05 0.74% 6.72 16.39 9.89 2.83 0.74 14.18 -
BOQPF
Bank of Queensland Ltd Preferred		 -0.02 0.02% 104.76 169.79 - - - - -

Reports Covered

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Profile

MyState Limited, through its subsidiaries, provides banking, trustee, and managed fund products and services in Australia. It operates through Banking and Wealth Management segments. The company offers fixed term deposits and saving products; home loans, overdraft, line of credit, commercial products and lending, personal and business lending, transactional, internet banking, insurance, business banking, agribusiness, and other alliances services. It also provides investment products; wealth management services comprising managed fund investments, portfolio administration, and advisory services; and trustee services, such as estate planning, estate and trust administration, power of attorney, corporate and custodial trustee. In addition, the company offers manages securitisation of vehicles. The company was incorporated in 2008 and is headquartered in Hobart, Australia.

Mystate Ltd

137 Harrington Street, Hobart, TAS, Australia, 7000

Key Executives

Name Title Year Born
Mr. Brett Alexander Morgan BEC MD, CEO & Director NA
Mr. Gary Dickson B.Com., F.C.A., M.B.A. Chief Financial Officer NA
Mr. Paul Moss B.E., BEng (Hons) Chief Operating Officer NA
Ms. Heather McGovern B.A. Gen. Mang. of Digital & Marketing NA
Ms. Janelle Whittle B.Com. Gen. Mang. People, Community & Public Affairs NA
Ms. Mandakini Khanna B.Com., BCom, Post Dip, Post DipBA Chief Risk Officer NA
Mr. Alan Logan Gen. Mang. Wealth Management NA
Mr. Greg Slade Investor Relation Professional NA
Mr. Scott A. Lukianenko Ad Dip BMgmt, CertGov(Prac), Grad Cert BA, GIA (C Company Sec. NA
Claudio Mazzarella General Manager of Everyday Banking & Marketing NA

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