- ASX
Resimac Group Ltd
Financial Services AU RMC
0.835AUD
-0.035(4.02%)
Last update at 2025-04-07T06:10:00Z
Day Range
52 Week Range
Fundamentals
- Previous Close 0.87
- Market Cap344.80M
- Volume724582
- P/E Ratio12.31
- Dividend Yield8.19%
- EBITDA-
- Revenue TTM133.45M
- Revenue Per Share TTM0.33
- Gross Profit TTM 125.58M
- Diluted EPS TTM0.07
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
Analyst Recommendations
-
Here's Why Resimac Group (ASX:RMC) Has Caught The Eye Of Investors
2 years, 9 months ago -
Resimac Group's (ASX:RMC) earnings growth rate lags the 31% CAGR delivered to shareholders
2 years, 11 months ago -
Moody's assigns definitive ratings to Resimac's non-conforming RMBS Warehouse
3 years, 1 month ago -
What Kind Of Investors Own Most Of Resimac Group Limited (ASX:RMC)?
3 years, 6 months ago -
With EPS Growth And More, Resimac Group (ASX:RMC) Is Interesting
3 years, 8 months ago -
Did You Participate In Any Of Resimac Group's (ASX:RMC) Incredible 335% Return?
3 years, 10 months ago
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 | 95.39M | 143.46M | 152.08M | 80.28M | 63.94M |
| Minority interest | -0.01300M | - | -0.24900M | 0.19M | 0.19M |
| Net income | 66.45M | 102.15M | 107.56M | 55.91M | 55.91M |
| Selling general administrative | 51.23M | 45.27M | 37.49M | 35.89M | 37.66M |
| Selling and marketing expenses | 5.04M | 6.48M | 4.80M | 3.28M | 9.02M |
| Gross profit | 192.50M | 251.82M | 242.33M | 466.30M | 462.42M |
| Reconciled depreciation | 2.42M | 2.46M | 3.09M | 2.95M | 1.26M |
| Ebit | 92.95M | 141.00M | 148.73M | 372.35M | 391.32M |
| Ebitda | 95.37M | 143.46M | 151.83M | 375.31M | 392.58M |
| Depreciation and amortization | 2.42M | 2.46M | 3.09M | 2.95M | 1.26M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 92.95M | 141.00M | 148.73M | 367.97M | 391.32M |
| Other operating expenses | 117.91M | 119.91M | 105.87M | 98.33M | 694.68M |
| Interest expense | 679.62M | 252.62M | 224.89M | 270.68M | 327.38M |
| Tax provision | 28.93M | 41.31M | 44.27M | 24.27M | 16.76M |
| Interest income | 902.13M | 490.69M | 467.64M | 0.62M | 0.97M |
| Net interest income | 222.51M | 238.08M | 242.74M | -270.06200M | 117.85M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 28.93M | 41.31M | 44.27M | 24.27M | 16.76M |
| Total revenue | 192.50M | 251.82M | 242.33M | 181.06M | -328.60700M |
| Total operating expenses | 117.91M | 119.91M | 105.87M | 98.33M | 96.35M |
| Cost of revenue | 713.68M | 292.63M | 259.56M | -285.24600M | -791.02400M |
| Total other income expense net | 95.39M | 143.46M | 152.08M | -21.35400M | -327.38000M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 66.46M | 102.15M | 107.81M | 56.01M | 47.19M |
| Net income applicable to common shares | 66.45M | 102.15M | 107.56M | 55.91M | 47.19M |
| 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 | 15094.70M | 14942.04M | 16737.17M | 14645.17M | 13026.69M |
| Intangible assets | - | 0.95M | 0.07M | 0.14M | 1.46M |
| Earning assets | - | - | - | - | - |
| Other current assets | -889.24800M | 2.60M | 15736.60M | 13965.31M | 11.88M |
| Total liab | 14678.34M | 14526.66M | 16359.10M | 14324.03M | 12785.00M |
| Total stockholder equity | 416.05M | 415.27M | 378.07M | 321.14M | 241.49M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | -4326.42500M | -14497.91100M | 25.57M | -14217.67000M | 5.75M |
| Common stock | 174.33M | 173.53M | 176.48M | 181.68M | 181.90M |
| Capital stock | - | 173.53M | 176.48M | 181.68M | 181.90M |
| Retained earnings | 265.82M | 322.87M | 288.60M | 219.13M | 128.69M |
| Other liab | - | 9.96M | 14.45M | 16.02M | 22.65M |
| Good will | - | 28.38M | 27.43M | 27.43M | 27.43M |
| Other assets | 15094.70M | 13819.60M | 15766.01M | 13985.23M | 4.34M |
| Cash | 871.00M | 1085.42M | 932.78M | 619.81M | 365.99M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 4326.43M | 14497.91M | 16329.61M | 14217.67M | 2983.10M |
| Current deferred revenue | - | - | - | - | -9742.78000M |
| Net debt | 13551.95M | 13395.02M | 15366.77M | 13563.32M | 12328.25M |
| Short term debt | 4326.43M | 14480.44M | 16299.55M | 14183.13M | 12694.24M |
| Short long term debt | - | 14487.29M | 16299.55M | 14183.13M | 2917.69M |
| Short long term debt total | 14422.95M | 14480.44M | 16299.55M | 14183.13M | 12694.24M |
| Other stockholder equity | -0.41500M | -496.40300M | -465.07500M | -400.80600M | -310.58900M |
| Property plant equipment | - | 8.64M | 10.89M | 12.56M | 14.47M |
| Total current assets | - | 1085.42M | 932.78M | 619.81M | 3320.51M |
| Long term investments | - | 20.59M | 23.48M | 15.08M | 6.92M |
| Net tangible assets | - | 386.89M | 350.57M | 293.57M | 212.60M |
| Short term investments | - | 8.00M | 0.26M | 0.26M | 0.26M |
| Net receivables | 18.25M | 11.59M | 5.66M | 4.58M | 5.97M |
| Long term debt | - | 9912.68M | 11564.80M | 10486.28M | 12685.62M |
| Inventory | - | - | -15742.26500M | -13969.89100M | 2936.41M |
| Accounts payable | - | 17.47M | 30.06M | 34.54M | 25.89M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -23.68600M | -81.13000M | -87.00700M | -79.66700M | -69.09700M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | 181.90M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | -1.33600M | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -9.76100M | -37.02200M | -38.38300M | -40.12300M | 30.37M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 10.04M | 37.02M | 38.38M | 40.12M | 9706.18M |
| Capital lease obligations | - | - | - | - | 13.62M |
| Long term debt total | - | 9920.35M | 11574.20M | 10497.24M | 12697.67M |
| 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 | -9.28800M | -0.23500M | -10.80500M | -1.40300M | -3.00000M |
| Change to liabilities | - | -5.73700M | 3.69M | 6.71M | -4.73700M |
| Total cashflows from investing activities | - | -0.23500M | -92.37600M | -8.14500M | -10.35000M |
| Net borrowings | - | -1833.60100M | 2033.44M | 1590.47M | 2194.22M |
| Total cash from financing activities | -97.79800M | -1864.70300M | 1991.31M | 1709.48M | 3635.72M |
| Change to operating activities | - | 1948.23M | -1684.80900M | -1573.78400M | -3596.14200M |
| Net income | 34.59M | 66.45M | 102.15M | 107.56M | 55.91M |
| Change in cash | -214.41800M | 152.64M | 312.97M | 253.82M | 141.20M |
| Begin period cash flow | 1085.42M | 932.78M | 619.81M | 365.99M | 224.79M |
| End period cash flow | 871.00M | 1085.42M | 932.78M | 619.81M | 365.99M |
| Total cash from operating activities | -107.18400M | 2017.37M | -1585.43400M | -1447.46100M | -3483.86900M |
| Issuance of capital stock | 0.70M | 0.68M | 0.17M | 0.17M | 0.33M |
| Depreciation | 2.28M | 2.40M | 2.42M | 2.70M | 2.57M |
| Other cashflows from investing activities | 7.05M | -0.05900M | 0.80M | -0.00200M | -2.40800M |
| Dividends paid | 30.10M | 32.17M | 30.89M | 16.17M | 9.95M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -1.98100M | -9.30800M | -1.11200M | -0.35800M | 2.15M |
| Sale purchase of stock | -1.47500M | -5.19200M | -7.92500M | -1.33600M | 11014.08M |
| Other cashflows from financing activities | 21.30M | 7844.62M | 14593.53M | 11929.50M | -2.09000M |
| Change to netincome | - | 6.92M | -7.75100M | 3.43M | 30.11M |
| Capital expenditures | 0.07M | 0.18M | 0.53M | 0.20M | 0.28M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -165.13000M | 2688.41M | -1340.21800M | -1235.55600M | -3257.52700M |
| Stock based compensation | - | 0.83M | 0.79M | 0.79M | 0.58M |
| Other non cash items | 57.95M | 1947.69M | -1690.78700M | -1558.50700M | -3542.92600M |
| Free cash flow | -107.25200M | 2017.19M | -1585.96700M | -1447.66100M | -3484.14800M |
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) |
|---|---|---|---|---|---|---|---|---|
| RMC Resimac Group Ltd |
-0.035 4.02% | 0.83 | 12.31 | 11.59 | 2.58 | 0.81 | 107.56 | 37.19 |
| HGH Heartland Group Holdings Ltd |
-0.03 4.29% | 0.67 | 7.78 | - | 3.20 | 0.64 | 7.53 | - |
| AFG Australian Finance Group Ltd |
-0.035 2.27% | 1.51 | 14.02 | 17.09 | 0.37 | 1.99 | 37.33 | - |
| N1H N1 Holdings Ltd |
- -% | 0.12 | 12.00 | - | 0.50 | 5.23 | 48.59 | - |
Reports Covered
Profile
Resimac Group Limited provides residential mortgage and asset finance lending products in Australia and New Zealand. The company operates through Home Loan Lending business, New Zealand Lending, and Asset Finance Lending segments. It offers prime and specialist lending products; SME/commercial finance products; and home and car loans. The company also provides mortgage originator, trustee, lender, and mortgage manager and broker services; consumer and commercial lending; and LMI captive insurer services. In addition, it acts as a trust manager and servicer; warehouse mortgages; and an issuer of residential mortgage-backed securities, as well as managed investment trust services. The company offers its products and services through brokers and wholesale channel primarily under the Resimac, Resimac (NZ), Resimac Asset Finance, and homeloans.com.au brand names. The company was formerly known as Homeloans Limited and changed its name to Resimac Group Resimac Group Limited in December 2018. Resimac Group Limited was founded in 1985 and is based in Sydney, Australia.
Resimac Group Ltd
201 Kent Street, Sydney, NSW, Australia, 2000
- 61 2 9248 0300
Key Executives
| Name | Title | Year Born |
|---|---|---|
| Mr. Scott McWilliam | Chief Exec. Officer | NA |
| Mr. Jason Azzopardi | Chief Financial Officer | NA |
| Ms. Danielle S. Corcoran | Chief Operating Officer | NA |
| Majid Muhammad | Chief Information Officer | NA |
| Andrew Marsden | Chief Treasury Officer | NA |
| Mr. Kym Carter | Head of HR | NA |
| Mr. Peter Fitzpatrick | Company Sec. | NA |
| Mr. Scott McWilliam | Chief Executive Officer | NA |
| Mr. Kym Carter | Head of Human Resources | NA |
| Mr. Peter Fitzpatrick | Company Secretary | NA |
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