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N1 Holdings Ltd

Financial Services AU N1H

0.13AUD
-(-%)

Last update at 2024-12-18T00:20:00Z

Day Range

0.130.14
LowHigh

52 Week Range

0.110.18
LowHigh

Fundamentals

  • Previous Close 0.13
  • Market Cap11.45M
  • Volume3855
  • P/E Ratio13.00
  • Dividend Yield2.54%
  • EBITDA12.99M
  • Revenue TTM18.55M
  • Revenue Per Share TTM0.21
  • Gross Profit TTM 12.80M
  • Diluted EPS TTM0.01

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 0.11M 1.10M 0.13M -1.85072M -2.60537M
Minority interest - - - - -
Net income 0.34M 1.10M 0.13M -1.81669M -2.57134M
Selling general administrative 2.75M 2.67M 2.51M 2.71M 2.74M
Selling and marketing expenses 0.19M 0.18M 0.06M 0.11M 0.10M
Gross profit 2.79M 2.86M 2.05M 0.81M 2.08M
Reconciled depreciation 0.40M 0.45M 0.63M 0.63M 0.77M
Ebit 8.33M 5.03M 0.90M -0.80524M -2.04128M
Ebitda 8.73M 5.48M 1.53M -0.17233M -1.26704M
Depreciation and amortization 0.40M 0.45M 0.63M 0.63M 0.77M
Non operating income net other - - - - -
Operating income 8.66M 5.36M 1.30M -0.46639M -2.04128M
Other operating expenses 5.79M 5.03M 4.11M 5.04M 2.41M
Interest expense 8.25M 4.92M 1.16M 1.04M 0.56M
Tax provision -0.23118M 0.00000M 0.00000M -0.03403M -0.03403M
Interest income 0.08M 0.00254M 0.00341M 0.97M 0.56M
Net interest income -8.17803M -4.92223M -1.15651M -1.02620M -0.55497M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense -0.23118M -0.73906M -0.39110M -0.03403M -0.03403M
Total revenue 4.05M 4.32M 2.97M 1.73M 2.08M
Total operating expenses 4.52M 3.57M 3.18M 4.11M 2.41M
Cost of revenue 1.27M 1.46M 0.93M 0.92M 0.91M
Total other income expense net -8.54774M -4.66565M -1.15605M -1.38433M -0.56409M
Discontinued operations - - - - -
Net income from continuing ops 0.34M 1.10M 0.13M -1.81669M -2.57134M
Net income applicable to common shares 0.34M 1.10M 0.14M -1.81669M -2.57134M
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 114.62M 90.22M 79.91M 15.54M 13.48M
Intangible assets - 0.12M 0.66M 0.73M 0.80M
Earning assets - - - - -
Other current assets -109.72545M 0.14M 61.26M 7.25M 5.67M
Total liab 112.93M 89.63M 79.28M 17.01M 15.10M
Total stockholder equity 1.69M 0.59M 0.62M -1.47763M -1.61720M
Deferred long term liab - - - - -
Other current liab -26.09893M 24.93M 26.45M 7.05M 7.34M
Common stock 6.95M 6.95M 6.65M 5.65M 5.65M
Capital stock - 6.95M 6.65M 5.65M 5.65M
Retained earnings -5.48357M -6.56892M -6.23584M -7.34574M -7.47778M
Other liab - 0.72M 0.71M 0.34M 0.26M
Good will - - 0.54M 0.54M 0.54M
Other assets 114.62M 1.52M 1.53M 0.80M 0.59M
Cash 13.53M 7.02M 14.14M 3.21M 2.78M
Cash and equivalents - 7.02M 14.14M 3.21M 2.78M
Total current liabilities 26.10M 25.55M 26.87M 7.27M 7.47M
Current deferred revenue - -85.68935M -76.14861M -14.98653M -13.14860M
Net debt 94.56M 78.00M 61.15M 12.37M 11.37M
Short term debt 26.10M 85.02M 75.30M 14.21M 12.78M
Short long term debt - 85.02M 75.30M 14.21M 12.78M
Short long term debt total 108.09M 85.02M 75.30M 15.58M 14.15M
Other stockholder equity - -0.38514M 0.21M 0.00753M 0.21M
Property plant equipment - 0.74M 1.04M 1.40M 2.02M
Total current assets - 87.49M 75.75M 11.89M 9.35M
Long term investments - 0.30M 0.33M 0.54M 0.59M
Net tangible assets - 0.47M -0.57342M -2.74846M -2.95730M
Short term investments 0.09M 0.30M 0.33M 0.54M 0.59M
Net receivables 96.10M 2.84M 1.62M 1.32M 0.47M
Long term debt - 125.92M 51.07M 1.37M 5.97M
Inventory - - -1.27143M -0.26168M 0.00106M
Accounts payable - 1.29M 1.28M 1.00M 0.50M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 0.22M 0.21M 0.21M 0.21M 0.21M
Additional paid in capital - - - - -
Common stock total equity - - - - 5.65M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -1.07775M -1.20693M -2.63051M -2.84222M -3.53655M
Deferred long term asset charges - - - - -
Non current assets total 1.36M 1.21M 2.63M 2.84M 3.54M
Capital lease obligations - - - - -
Long term debt total - 63.30M 51.70M 9.40M 7.38M
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 0.07M 0.53M 0.21M -0.00912M -0.11345M
Change to liabilities - -0.21023M 0.42M 0.47M -0.18860M
Total cashflows from investing activities - 0.53M 0.21M -0.06626M -0.19106M
Net borrowings - -1.23506M -0.87607M -0.36215M -0.82998M
Total cash from financing activities -0.94030M -1.58720M -1.13688M -0.70282M -1.31396M
Change to operating activities - -5.77542M 10.29M 0.78M 4.61M
Net income 1.09M 0.34M 0.70M 0.14M -1.81669M
Change in cash 6.51M -7.12359M 10.93M 0.43M 1.86M
Begin period cash flow 7.02M 14.14M 3.21M 2.78M 0.92M
End period cash flow 13.53M 7.02M 14.14M 3.21M 2.78M
Total cash from operating activities 7.38M -6.06245M 11.85M 1.20M 2.90M
Issuance of capital stock - - - - -
Depreciation 0.31M 0.39M 0.43M 0.55M 0.63M
Other cashflows from investing activities - - 0.23M -0.00052M -0.00109M
Dividends paid - 0.20M 0.20M 0.20M 0.20M
Change to inventory - -0.23894M -2.03186M -0.50795M -2.08017M
Change to account receivables 0.97M -1.32342M -0.67895M -1.12573M 2.07M
Sale purchase of stock - - - - -
Other cashflows from financing activities -0.05449M -0.14961M -0.26081M -0.34067M -0.48398M
Change to netincome - 0.50M 10.30M 0.37M 0.40M
Capital expenditures 0.01M 0.09M 0.02M 0.11M 0.08M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 5.90M -1.32342M -0.67895M -1.12573M 4.34M
Stock based compensation 0.00984M - - - -
Other non cash items 7.07M -5.47240M 11.85M 1.20M -0.25495M
Free cash flow 7.37M -6.15479M 11.84M 1.09M 3.29M

Peer Comparison

Sector: Financial Services Industry: Mortgage Finance

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)
N1H
N1 Holdings Ltd		 - -% 0.13 13.00 - 0.62 6.79 25.10 -
HGH
Heartland Group Holdings Ltd		 - -% 0.86 9.56 - 3.28 0.74 10.23 -
AFG
Australian Finance Group Ltd		 - -% 1.53 13.86 17.09 0.39 2.14 49.64 -
RMC
Resimac Group Ltd		 - -% 0.97 10.74 11.59 2.63 0.92 108.47 37.19

Reports Covered

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Profile

N1 Holdings Limited, a property-backed private credit lending company, engages in the provision of property financing, and mortgage management and broking services to customers in Australia. It operates through four segments: Financial Services, Real Estate Services, Migration Services and Other. The company offers direct lending and private credit for the purpose of bridging finance, purchase and urgent settlement, renovation of business premises, working capital, business expansion, equipment acquisition and/or upgrade, debt consolidation, equity release for business, and external administration/receivership for small and medium enterprises. It is also involved in the provision of mortgage, home, and commercial loans for property owners and investors, as well as fund management, migration, and real estate property sale and management services. In addition, the company offers financial advisory and trustee services, such as project advisory and establishment, information memorandum and offer documents production, custody, fund compliance and risk management, and fund administration and accounting, as well as unit subscription, registration, pricing, and redemption services. The company was founded in 2011 and is headquartered in Sydney, Australia.

N1 Holdings Ltd

77 King Street, Sydney, NSW, Australia, 2000

Key Executives

Name Title Year Born
Mr. Ren Hor Wong Exec. Chairman & CEO NA
Ms. Jia Penny He CFO & Exec. Director NA
Ms. Jacqueline Wang Chief Operation Officer NA
Mr. Yu Shen Head of Marketing & PR NA
Ms. Nan Zhang Head of Property Management NA
Ms. Jessie Wang Head of Sales & Training - Home Lending NA
Ms. Heather Zhang Head of Sales - OneLend NA
Mr. Anand Sundaraj BSc, LLB (Hon) Company Sec. NA
Mr. Ren Hor Wong Executive Chairman & CEO NA
Ms. Jia Penny He CFO & Executive Director NA

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