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N1 Holdings Ltd. (AU:N1H)
:N1H
Australian Market
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N1 Holdings Ltd. (N1H) AI Stock Analysis

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AU:N1H

N1 Holdings Ltd.

(Sydney:N1H)

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Neutral 48 (OpenAI - 4o)
Rating:48Neutral
Price Target:
AU$0.00
▼(-100.00% Downside)
N1 Holdings Ltd. faces significant financial risks due to high leverage and weak cash flow metrics, despite strong gross profit margins. Technical indicators suggest overbought conditions, adding to the risk profile. The valuation is reasonable, but not enough to offset the financial and technical concerns.

N1 Holdings Ltd. (N1H) vs. iShares MSCI Australia ETF (EWA)

N1 Holdings Ltd. Business Overview & Revenue Model

Company DescriptionN1 Holdings Ltd. (N1H) is a diversified holding company that operates across various sectors, including real estate, technology, and healthcare. The company focuses on acquiring and managing a portfolio of businesses that demonstrate strong growth potential and offer innovative solutions. N1H's core products and services range from property management and real estate development to technology solutions aimed at improving operational efficiencies in healthcare settings.
How the Company Makes MoneyN1 Holdings Ltd. generates revenue through multiple channels. In the real estate sector, the company earns income from rental properties and property sales, capitalizing on market demand and strategic developments. In technology, N1H offers software solutions and consulting services, creating a recurring revenue stream through subscriptions and service agreements. Additionally, the healthcare segment contributes to the company's earnings by providing specialized technology and services that enhance patient care and operational efficiency in medical facilities. Significant partnerships with industry leaders and government contracts further bolster N1H's revenue, enabling the company to expand its market reach and drive sustainable growth.

N1 Holdings Ltd. Financial Statement Overview

Summary
N1 Holdings Ltd. exhibits strong revenue growth and cash flow generation, indicating operational efficiency. However, high leverage and a low equity ratio present financial risks. While profitability is improving, optimizing the net profit margin remains a priority.
Income Statement
65
Positive
N1 Holdings Ltd. has shown a strong revenue growth rate from the previous period, increasing from AUD 4.05M to AUD 18.55M, indicating significant growth. The gross profit margin is high at 94%, suggesting efficient cost management. However, the net profit margin is relatively low at 5.85%, implying that expenses other than cost of goods sold are impacting profitability. The EBIT margin is robust at 71.47%, although the lack of EBITDA data limits a complete margin analysis.
Balance Sheet
40
Negative
The company has a high debt-to-equity ratio of 64.08, which indicates significant leverage and potential financial risk. The equity ratio is low at 1.47%, showing limited equity financing. Return on equity is high at 64.32%, but this is primarily due to the low equity base, which can magnify returns but also risks.
Cash Flow
30
Negative
N1 Holdings Ltd. has demonstrated a remarkable turnaround in free cash flow, shifting from negative to positive, with a significant growth rate. The operating cash flow to net income ratio is strong at 6.81, suggesting efficient cash generation from operations. The free cash flow to net income ratio is 6.79, reinforcing the company's ability to convert profits into cash, which is a positive indicator for financial health.
BreakdownDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue20.07M18.55M14.09M10.63M5.42M
Gross Profit19.15M17.43M12.38M9.17M3.93M
EBITDA14.03M13.26M0.005.81M1.48M
Net Income855.83K1.09M340.94K1.10M139.57K
Balance Sheet
Total Assets130.41M114.62M90.22M79.44M15.54M
Cash, Cash Equivalents and Short-Term Investments11.32M13.53M7.08M14.14M3.58M
Total Debt123.64M108.09M85.02M75.30M15.43M
Total Liabilities128.17M112.93M89.63M79.28M17.01M
Stockholders Equity2.24M1.69M591.66K624.74K-1.48M
Cash Flow
Free Cash Flow-1.40M7.37M-6.15M11.84M1.09M
Operating Cash Flow-1.34M7.38M-6.06M11.85M1.20M
Investing Cash Flow-312.23K70.99K526.06K213.32K-66.26K
Financing Cash Flow-560.77K-940.30K-1.59M-1.14M-702.82K

N1 Holdings Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.10
Price Trends
50DMA
0.10
Positive
100DMA
0.11
Positive
200DMA
0.11
Positive
Market Momentum
MACD
<0.01
Negative
RSI
98.19
Negative
STOCH
102.98
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:N1H, the sentiment is Positive. The current price of 0.1 is below the 20-day moving average (MA) of 0.10, below the 50-day MA of 0.10, and below the 200-day MA of 0.11, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 98.19 is Negative, neither overbought nor oversold. The STOCH value of 102.98 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:N1H.

N1 Holdings Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
AU$396.81M21.3332.31%3.46%10.61%23.34%
68
Neutral
AU$54.75M11.7615.13%4.38%16.64%19.30%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
AU$35.23M11.006.14%13.79%-0.40%
58
Neutral
AU$687.55M19.5816.81%3.60%14.37%20.75%
48
Neutral
AU$10.13M11.8643.56%2.87%8.15%-21.14%
43
Neutral
AU$9.72M1.40
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:N1H
N1 Holdings Ltd.
0.12
0.00
0.00%
AU:AFG
Australian Finance Group Ltd.
2.53
1.00
65.36%
AU:WTL
WT Financial Group Ltd.
0.16
0.07
77.78%
AU:KBC
Keybridge Capital Limited
0.05
0.00
0.00%
AU:SEQ
Sequoia Financial Group Ltd.
0.29
-0.04
-12.12%
AU:FID
Fiducian Group Ltd
13.48
4.59
51.63%

N1 Holdings Ltd. Corporate Events

N1 Holdings Schedules 2025 Annual General Meeting
Oct 20, 2025

N1 Holdings Limited has announced the details for its 2025 Annual General Meeting, which will take place on November 21, 2025, at Sundaraj & Ker in Sydney. Shareholders are encouraged to participate in the meeting, as it will affect their shareholding, and they have the option to vote by proxy through various methods provided by the company.

N1 Holdings Limited Announces Dividend Distribution
Oct 3, 2025

N1 Holdings Limited has announced a dividend distribution of AUD 0.003 per share for its ordinary fully paid securities. The dividend relates to the financial period ending on June 30, 2025, with an ex-date of November 21, 2025, a record date of November 24, 2025, and a payment date set for December 1, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders.

N1 Holdings Announces Key 2025 Dates
Sep 26, 2025

N1 Holdings Limited has announced key dates for its 2025 calendar year, including the closing date for director nominations on October 3, 2025, and its annual general meeting on November 21, 2025. This announcement highlights the company’s ongoing governance activities and provides stakeholders with important dates to engage with the company’s strategic direction and operational updates.

N1 Holdings Limited Releases 2025 Annual Report Emphasizing Corporate Governance
Sep 22, 2025

N1 Holdings Limited has released its annual report for the financial year ending June 30, 2025, highlighting its commitment to corporate governance. The company has reviewed its practices against the ASX Corporate Governance Principles and Recommendations, ensuring alignment with industry standards. This move aims to strengthen its market position and reassure stakeholders of its dedication to transparency and accountability.

N1 Holdings Releases 2025 Corporate Governance Statement
Sep 22, 2025

N1 Holdings Limited has released its corporate governance statement for the financial year ending June 30, 2025, which is available on their website. The statement confirms that the company has adhered to the ASX Corporate Governance Council’s recommendations, detailing the roles and responsibilities of the board and management, and ensuring accountability of the company secretary. This disclosure is part of their compliance with ASX listing rules, which require transparency and verification of governance practices, potentially impacting stakeholder trust and company reputation.

N1 Holdings Limited Affirms Commitment to Corporate Governance
Sep 22, 2025

N1 Holdings Limited has released its corporate governance statement, detailing its adherence to the ASX Corporate Governance Council’s Principles and Recommendations. The company has implemented a Board Charter outlining the roles and responsibilities of its board and management, demonstrating leadership and oversight in areas such as strategy, financial performance, and risk management. This governance framework is designed to enhance the company’s reputation and ensure transparency with stakeholders.

N1 Holdings Reports Revenue Growth Amid Strategic Enhancements
Aug 27, 2025

N1 Holdings Limited reported a 6.8% increase in revenue to $19.69 million for FY25, though net profit decreased by 21.1% to $855,826. The company implemented AI-powered initiatives and optimized operational processes to enhance efficiency and scalability. Despite mixed global economic conditions, N1 Holdings focused on prudent capital deployment and risk management. The company managed over $254 million in committed lending capacity and strengthened compliance standards, aligning with regulatory expectations to promote responsible lending practices.

N1 Holdings Reports Strong June Quarter with Strategic Partnerships and AI Innovations
Jul 29, 2025

N1 Holdings Limited reported a positive business update for the June 2025 quarter, highlighting increased buyer interest in residential and commercial properties. The company enhanced its distribution channels by partnering with Australia’s largest aggregator as an approved lender, which is expected to boost deal volume and quality. The launch of AI-powered private credit tools has improved operational efficiency and broker engagement. Financially, the company reported a net profit of approximately $855,000 for FY2025, with revenue increasing by 7.71% compared to the previous year. The SME lending business remains the primary revenue driver, accounting for 96% of cash receipts. N1 Holdings continues to optimize operational processes and maintain strict lending criteria, reinforcing its market position and resilience.

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.Date of analysis: Oct 23, 2025