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Mystate Ltd

Financial Services AU MYS

4.33AUD
0.08(1.88%)

Last update at 2026-03-11T05:10:00Z

Day Range

4.254.39
LowHigh

52 Week Range

3.304.82
LowHigh

Fundamentals

  • Previous Close 4.25
  • Market Cap743.23M
  • Volume161094
  • P/E Ratio17.52
  • Dividend Yield5.22%
  • Revenue TTM232.62M
  • Revenue Per Share TTM1.42
  • Gross Profit TTM 232.62M
  • Diluted EPS TTM0.25

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 53.30M 50.20M 55.19M 45.90M 52.06M
Minority interest - - - - -
Net income 35.56M 35.29M 38.50M 32.03M 36.34M
Selling general administrative 54.17M 66.06M 65.75M 60.50M 54.57M
Selling and marketing expenses 5.83M 6.11M 10.23M 10.30M 6.39M
Gross profit 186.16M 149.34M 158.97M 138.33M 137.15M
Reconciled depreciation - 7.29M 7.07M 8.92M 10.06M
Ebit - 53.97M 48.11M 36.99M 42.00M
Ebitda 60.74M 61.26M 55.19M 45.90M 52.06M
Depreciation and amortization - 7.29M 7.07M 8.92M 10.06M
Non operating income net other - - - - -
Operating income 62.76M 53.48M 48.11M 36.99M 42.00M
Other operating expenses 123.41M 454.72M 102.65M 95.35M 87.46M
Interest expense - 354.39M 220.38M 49.50M 52.38M
Tax provision 17.74M 14.91M 16.68M 13.88M 15.72M
Interest income - 478.92M 352.97M 159.75M 164.34M
Net interest income - 124.54M 132.59M 110.25M 111.95M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 17.74M 14.91M 16.68M 13.88M 15.72M
Total revenue 186.16M 504.93M 158.97M 138.33M 137.15M
Total operating expenses 123.41M 99.13M 102.65M 95.35M 87.46M
Cost of revenue - 355.59M - - -
Total other income expense net -9.45800M -3.28200M 55.19M 45.90M 52.06M
Discontinued operations - - - - -
Net income from continuing ops - 35.29M 38.50M 32.03M 36.34M
Net income applicable to common shares 35.56M 35.29M 38.50M 32.03M 36.34M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 15277.58M 9168.38M 9124.28M 8079.85M 6542.48M
Intangible assets 30.38M - 12.77M 13.69M 18.33M
Earning assets - - - - 710.97M
Other current assets 321.62M 114.54M - 6163.62M 4915.94M
Total liab 14541.57M 8703.44M 8666.72M 7649.93M 6127.26M
Total stockholder equity 736.01M 464.94M 457.56M 429.91M 415.21M
Deferred long term liab - - - - -
Other current liab 4696.52M 3167.10M -1717.85800M - -1128.29700M
Common stock 493.24M 228.60M 225.27M 211.17M 208.20M
Capital stock - - 225.27M 211.17M 208.20M
Retained earnings 241.00M 233.50M 223.50M 209.79M 207.28M
Other liab - - - 7.43M 4.16M
Good will 77.57M 65.15M 65.15M 65.15M 65.15M
Other assets - - 8910.61M 7871.33M 6367.05M
Cash 321.62M -114.54400M 175.78M 160.14M 112.12M
Cash and equivalents - - - - -
Total current liabilities 6009.99M 3699.60M 1717.86M 1250.12M 1128.30M
Current deferred revenue - - - - -
Net debt 1686.51M 2426.59M 1591.90M 1139.74M 1050.83M
Short term debt 1313.47M 532.50M 1717.86M 1250.12M 1128.30M
Short long term debt - - 1717.86M 1250.12M 1128.30M
Short long term debt total 2008.13M 2312.04M 1767.68M 1299.88M 1162.96M
Other stockholder equity - - -451.13900M -423.21200M -415.47800M
Property plant equipment - - 7.98M 10.45M 11.68M
Total current assets 321.62M 114.54M 127.78M 119.22M 80.27M
Long term investments - - 928.15M 833.40M 707.73M
Net tangible assets - - - 351.07M 331.74M
Short term investments - - 928.15M 833.40M 707.73M
Net receivables - - - 42.31M 35.85M
Long term debt - - 49.82M 49.76M 34.66M
Inventory - - - - 3.80M
Accounts payable - - - 6315.52M 4937.44M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 1.77M 2.83M 8.79M 8.96M -0.26400M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 15142.01M 8975.17M -85.89900M -89.29800M -95.15600M
Deferred long term asset charges - - - - -
Non current assets total 15277.58M 9053.83M 85.90M 89.30M 95.16M
Capital lease obligations - - - - -
Long term debt total - - 1922.38M 1299.88M 1162.96M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments - -12.46100M -5.18300M -0.27800M -4.78100M
Change to liabilities - - - 3.62M -0.61400M
Total cashflows from investing activities 88.92M -12.46100M -5.18300M -0.27800M -4.78100M
Net borrowings - -1.68200M 97.88M 113.14M 47.07M
Total cash from financing activities 373.05M -22.38800M 87.32M 88.61M 90.84M
Change to operating activities - - - -1370.52200M -322.75900M
Net income 35.56M 35.29M 38.50M 32.03M 36.34M
Change in cash 207.08M -13.23400M 8.56M 38.95M -36.23600M
Begin period cash flow 114.54M 127.78M 119.22M 80.27M 116.50M
End period cash flow 321.62M 114.54M 127.78M 119.22M 80.27M
Total cash from operating activities -254.89800M 21.61M -943.63500M -1452.96900M -447.48000M
Issuance of capital stock - 0.04M 0.05M 0.06M 0.08M
Depreciation 8.69M 7.29M 5.53M 3.29M 4.26M
Other cashflows from investing activities -5.25400M -11.77200M -900.05500M 4.76M -486.22200M
Dividends paid 27.71M 22.16M 10.61M 24.59M 11.66M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock 0.21M 0.04M -868.12000M -1417.07500M 49.98M
Other cashflows from financing activities 453.62M 1.42M 967.99M 1543.64M 55.34M
Change to netincome - - - -4.37900M -0.37600M
Capital expenditures 1.02M 12.46M 5.18M 5.04M 4.78M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -145.85800M -3.97800M -259.69300M -175.13200M -224.33200M
Stock based compensation 0.50M 0.58M 0.29M 0.23M 0.50M
Other non cash items -153.79100M -9.69600M -987.94900M -1488.51300M -488.58600M
Free cash flow -255.92200M 18.88M -948.81800M -1458.01200M -452.26100M

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)
MYS
Mystate Ltd		 0.08 1.88% 4.33 17.52 10.99 3.19 1.01 21.58
BEN
Bendigo and Adelaide Bank Ltd		 -0.1 0.99% 10.02 - 11.31 3.08 0.88 7.67
BENPH
Bendigo and Adelaide Bank Ltd		 -0.05 0.05% 101.90 106.79 - - -
BOQ
Bank of Queensland Ltd		 0.01 0.15% 6.81 34.85 11.45 2.78 0.78 12.86
BFL
BSP Financial Group Ltd		 -0.06 0.73% 8.16 10.35 - 3.56 2.32 3.63

Reports Covered

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Profile

MyState Limited, through its subsidiaries, provides banking, trustee, equipment finance, and managed fund products and services in Australia. It operates in three segments: MyState Bank, Auswide Bank, and Wealth Management Division. The company offers savings accounts and fixed term deposits; home loans, personal, overdraft, line of credit, and commercial products; and insurance products. It also provides easing and commercial hire purchase; and wealth management services comprising managed fund investments, and portfolio administration and advisory services. In addition, the company offers banking services, including transactional and internet banking, insurance and other alliances, investments, personal and business lending, and business banking and agribusiness; and trustee services, such as estate planning, estate and trust administration, power of attorney, corporate and custodial trustee. The company was incorporated in 2008 and is based 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

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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