Want to see AU:LFG full AI Analyst Report?
Top Page
Liberty Financial Group Ltd
(Sydney:LFG)
Select Model
Select Model
Rating:56Neutral
Price Target:
AU$3.50
â–²(0.86% Upside)
Action:Reiterated
Date:08/26/26
The score is held back primarily by elevated balance-sheet leverage and weak/volatile cash flow conversion, despite solid profitability and strong recent revenue growth. Valuation is a key support (low P/E and high dividend yield), while technical indicators are moderately positive but not strongly bullish.
Positive Factors
2026 Revenue Rebound
The strong 2026 rebound indicates renewed origination and servicing activity across the lending platform. If supported by sustained borrower demand and broker distribution, this scale can improve operating leverage and support earnings over the next several months.
Negative Factors
High Balance-Sheet Leverage
Very high leverage leaves limited equity protection if arrears rise, asset performance weakens, or funding costs increase. It also reduces strategic flexibility and makes returns more sensitive to changes in credit quality and wholesale funding conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
2026 Revenue Rebound
The strong 2026 rebound indicates renewed origination and servicing activity across the lending platform. If supported by sustained borrower demand and broker distribution, this scale can improve operating leverage and support earnings over the next several months.
Read all positive factors
Liberty Financial Group Ltd (LFG) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$1.08B
Dividend Yield13.87%
Average Volume (3M)71.32K
Price to Earnings (P/E)7.6
Beta (1Y)0.63
Revenue Growth-3.49%
EPS Growth7.16%
CountryAU
Employees498
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.47
Shares Outstanding303,600,000
10 Day Avg. Volume112,426
30 Day Avg. Volume71,316
Financial Highlights & Ratios
PEG Ratio1.01
Price to Book (P/B)0.83
Price to Sales (P/S)0.68
P/FCF Ratio-3.31
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$4.07Price Target Upside17.20% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.54
Revenue Forecast (FY)AU$663.16M
Liberty Financial Group Ltd Business Overview & Revenue Model
Company Description
Liberty Financial Group Limited, founded in 1997 and headquartered in Melbourne, Australia, provides a comprehensive suite of financial services across both Australia and New Zealand. The company's operations are categorized into three primary div...
How the Company Makes Money
LFG makes money primarily by originating and servicing loans and earning a spread between (a) the interest and fees it charges borrowers and (b) its own funding and operating costs. Key revenue streams typically include: (1) Net interest income: i...
Liberty Financial Group Ltd Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
38
Negative
Cash Flow
29
Negative
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 1.44B | 604.51M | 1.46B | 1.23B | 868.94M |
| Gross Profit | 1.15B | 604.51M | 1.46B | 995.25M | 637.89M |
| EBITDA | 1.00B | 1.09B | 1.06B | 859.41M | 731.14M |
| Net Income | 143.57M | 133.97M | 115.81M | 181.52M | 219.63M |
Balance Sheet | |||||
| Total Assets | 16.68B | 16.24B | 16.31B | 15.69B | 14.33B |
| Cash, Cash Equivalents and Short-Term Investments | 825.11M | 1.55B | 1.58B | 1.34B | 661.33M |
| Total Debt | 15.07B | 14.71B | 14.57B | 14.03B | 12.81B |
| Total Liabilities | 15.50B | 15.05B | 15.11B | 14.52B | 13.21B |
| Stockholders Equity | 1.18B | 1.20B | 1.20B | 1.17B | 1.12B |
Cash Flow | |||||
| Free Cash Flow | -296.26M | 116.36M | -932.57M | -442.74M | -483.76M |
| Operating Cash Flow | -291.48M | 118.08M | -929.69M | -435.63M | -480.30M |
| Investing Cash Flow | 31.34M | 25.89M | 30.03M | -12.85M | -15.40M |
| Financing Cash Flow | 197.22M | -196.46M | 497.67M | 1.14B | -68.38M |
Liberty Financial Group Ltd Technical Analysis
Positive
3.47
Price Trends
3.14
Positive
3.03
Positive
3.22
Positive
Market Momentum
0.11
Negative
70.38
Negative
38.74
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:LFG, the sentiment is Positive. The current price of 3.47 is above the 20-day moving average (MA) of 3.19, above the 50-day MA of 3.14, and above the 200-day MA of 3.22, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 70.38 is Negative, neither overbought nor oversold. The STOCH value of 38.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:LFG.
Liberty Financial Group Ltd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | AU$973.36M | 9.23 | 11.68% | 4.61% | 7.39% | 12.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | AU$301.17M | 10.40 | 8.80% | 8.70% | -6.45% | -0.06% | |
60 Neutral | AU$876.30M | 8.13 | 12.29% | 13.22% | -0.65% | 8.02% | |
56 Neutral | AU$1.08B | 7.55 | 12.12% | 13.87% | -3.49% | 7.16% | |
54 Neutral | AU$217.09M | 13.61 | 2.93% | 4.65% | -4.83% | -55.49% | |
50 Neutral | AU$966.95M | 8.86 | 8.74% | 10.75% | 4.20% | 85.51% |
* Financial Sector Average
AU:LFG
Liberty Financial Group Ltd
3.55
0.05
1.43%
AU:SVR
Money3 Corporation Limited
1.61
0.14
9.15%
AU:CCP
Credit Corp Group Limited
14.30
-1.32
-8.43%
AU:HUM
Humm Group Limited
0.43
-0.19
-30.98%
AU:PPM
Pepper Money Ltd
1.95
-0.20
-9.13%
AU:LFS
Latitude Group Holdings Ltd.
0.93
-0.12
-11.85%
Liberty Financial Group Ltd Corporate Events
Liberty Financial Group Trust Lifts Distributions Amid Stable 2026 Results
Aug 24, 2026
Liberty Financial Group Trust reported a neutral change in net assets attributable to unitholders for the year ended 30 June 2026, with results after distribution expense remaining nil, consistent with the prior year. The trust distributed $113.84...
Liberty Financial Group Confirms 2026 Year-End Distribution
Aug 23, 2026
Liberty Financial Group has updated its earlier guidance to confirm the actual distribution for security holders for the 12‑month period ended 30 June 2026. The announcement covers its fully paid ordinary stapled securities, with the ex̴...
Liberty Financial Group Declares Quarterly Distribution of AUD 0.23
Aug 23, 2026
Liberty Financial Group has announced a new quarterly distribution of AUD 0.23 per fully paid stapled security for the period ending 30 September 2026. The ex-dividend date is set for 2 September, with a record date of 3 September and payment to s...
Liberty Financial Group lifts FY26 profit and rewards investors amid challenging lending conditions
Aug 23, 2026
Liberty Financial Group reported an 8% rise in statutory net profit after tax to $143.8 million and a 7% increase in underlying NPATA to $155.6 million for the year to 30 June 2026, driven by loan portfolio growth, a market‑leading net inter...
Liberty Group lifts FY26 profit and unveils special dividend
Aug 23, 2026
Liberty Group reported an 8% rise in statutory net profit after tax to $143.8 million for the year ended 30 June 2026, alongside a 7% increase in underlying NPATA to $155.6 million. Financial assets grew 3% to $15.2 billion, while the underlying c...
Liberty Group Lifts Profit Despite Revenue Dip and Confirms 2026 Distributions
Aug 23, 2026
Liberty Group reported its audited financial results for the year ended 30 June 2026, showing revenue from ordinary activities of $1,440.8 million, a 3.5% decline from the prior year. Statutory net profit after tax rose to $143.8 million, up 7.8%,...
Liberty Financial Streamlines Capital Structure as LFGAA Options Cease
Jul 14, 2026
Liberty Financial Group has notified the market of the cessation of several tranches of its LFGAA options, which expired or lapsed across multiple dates between March and June 2026. The changes reflect options that either expired unexercised or la...
Liberty Financial Group Sets AUD 0.05 Annual Distribution for 2026
Jun 24, 2026
Liberty Financial Group has declared an estimated cash distribution of AUD 0.05 per fully paid ordinary stapled security for the 12-month period ending 30 June 2026. The distribution will trade ex on 29 June, with a record date of 30 June and paym...
Liberty Group Flags 35-Cent FY26 Distribution for Securityholders
Jun 24, 2026
Liberty Group has announced an estimated final distribution of 5 cents per security from Liberty Financial Group Trust for the period from 1 July 2025 to 30 June 2026. Combined with the 30 cents in interim distributions already paid, this brings t...
Liberty Financial Group Declares Quarterly Distribution of AUD 0.075
May 31, 2026
Liberty Financial Group has declared a quarterly distribution of AUD 0.075 per fully paid stapled security, payable on 22 June 2026 to investors on the register as of 5 June, with an ex‑date of 4 June. The announcement underscores the compan...
Liberty Group Declares Interim Quarterly Distribution to Securityholders
May 31, 2026
Liberty Group has declared an interim quarterly unfranked distribution of 7.5 cents per security from the Liberty Financial Group Trust for the three-month period ending 30 June 2026. The distribution will be paid on 22 June 2026 to securityholder...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.