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Resimac Group Ltd

Financial Services AU RMC

0.865AUD
-0.005(0.57%)

Last update at 2024-11-13T05:10:00Z

Day Range

0.860.86
LowHigh

52 Week Range

0.761.15
LowHigh

Fundamentals

  • Previous Close 0.87
  • Market Cap352.00M
  • Volume7845
  • P/E Ratio9.78
  • Dividend Yield12.64%
  • EBITDA-
  • Revenue TTM147.26M
  • Revenue Per Share TTM0.37
  • Gross Profit TTM 179.24M
  • Diluted EPS TTM0.09

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 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 - -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 - 0.68M 0.17M 0.17M 0.33M
Depreciation 2.28M 2.40M 2.42M 2.70M 2.57M
Other cashflows from investing activities - -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 23.16M 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 29.15M 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		 -0.005 0.57% 0.86 9.78 11.59 2.39 0.84 108.20 37.19
HGH
Heartland Group Holdings Ltd		 0.005 0.56% 0.90 10.00 - 3.48 0.73 10.33 -
AFG
Australian Finance Group Ltd		 0.005 0.31% 1.64 14.86 17.09 0.41 2.19 49.73 -
N1H
N1 Holdings Ltd		 - -% 0.14 14.00 - 0.66 7.31 25.28 -

Reports Covered

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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

45 Clarence Street, Sydney, NSW, Australia, 2000

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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