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N1 Holdings Ltd.
(Sydney:N1H)
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Rating:58Neutral
Price Target:
AU$0.16
▲(30.00% Upside)
Action:Reiterated
Date:08/30/26
The score is held back mainly by elevated balance-sheet risk (very high leverage and thin equity) and inconsistent cash generation, despite strong recent operating performance. Technicals are moderately supportive with neutral momentum and price holding above key longer-term averages. Valuation is a positive offset with a low P/E and a modest dividend yield.
Positive Factors
Revenue Scaling
Meaningful multi-year revenue scaling indicates expanding business activity and a growing operating base. Continued growth in 2026 supports the view that the company can sustain top-line momentum, creating a foundation for future earnings improvement if profitability remains controlled.
Negative Factors
High Leverage and Thin Equity
Very high leverage and a thin equity base leave the company with limited balance-sheet protection against adverse credit or market conditions. The deterioration in debt-to-equity increases financial sensitivity and can constrain flexibility to fund growth or absorb losses.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scaling
Meaningful multi-year revenue scaling indicates expanding business activity and a growing operating base. Continued growth in 2026 supports the view that the company can sustain top-line momentum, creating a foundation for future earnings improvement if profitability remains controlled.
Read all positive factors
N1 Holdings Ltd. (N1H) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$11.89M
Dividend Yield1.66%
Average Volume (3M)5.47K
Price to Earnings (P/E)13.0
Beta (1Y)0.20
Revenue Growth10.93%
EPS Growth18.56%
CountryAU
Employees12
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.01
Shares Outstanding88,055,570
10 Day Avg. Volume0
30 Day Avg. Volume5,474
Financial Highlights & Ratios
PEG Ratio0.43
Price to Book (P/B)2.68
Price to Sales (P/S)0.36
P/FCF Ratio0.68
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
N1 Holdings Ltd. Business Overview & Revenue Model
Company Description
Sydney, Australia-based N1 Holdings Limited, founded in 2011, offers an extensive array of financial and property services to clients across Australia. At its core, the company operates as a mortgage broker, facilitating home loans for both purcha...
N1 Holdings Ltd. Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
25
Negative
Cash Flow
48
Neutral
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 22.26M | 20.07M | 18.55M | 14.09M | 10.63M |
| Gross Profit | 20.89M | 19.15M | 17.43M | 12.38M | 9.17M |
| EBITDA | 17.26M | 14.03M | 13.26M | 514.12K | 5.81M |
| Net Income | 1.01M | 855.83K | 1.09M | 340.94K | 1.10M |
Balance Sheet | |||||
| Total Assets | 271.34M | 130.41M | 114.62M | 90.22M | 79.44M |
| Cash, Cash Equivalents and Short-Term Investments | 22.95M | 11.32M | 13.53M | 7.08M | 14.14M |
| Total Debt | 262.19M | 123.64M | 108.09M | 85.02M | 75.30M |
| Total Liabilities | 268.35M | 128.17M | 112.93M | 89.63M | 79.28M |
| Stockholders Equity | 2.99M | 2.24M | 1.69M | 591.66K | 624.74K |
Cash Flow | |||||
| Free Cash Flow | 11.77M | -1.40M | 7.37M | -6.15M | 11.84M |
| Operating Cash Flow | 11.78M | -1.34M | 7.38M | -6.06M | 11.85M |
| Investing Cash Flow | 307.62K | -312.23K | 70.99K | 526.06K | 213.32K |
| Financing Cash Flow | -484.34K | -560.77K | -940.30K | -1.59M | -1.14M |
N1 Holdings Ltd. Technical Analysis
Positive
0.12
Price Trends
0.12
Positive
0.11
Positive
0.11
Positive
Market Momentum
<0.01
Positive
71.61
Negative
55.56
Neutral
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 0.12 is below the 20-day moving average (MA) of 0.14, below the 50-day MA of 0.12, and above the 200-day MA of 0.11, indicating a bullish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 71.61 is Negative, neither overbought nor oversold. The STOCH value of 55.56 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | AU$51.83M | 13.33 | 6.44% | 8.60% | 20.95% | -19.79% | |
60 Neutral | AU$775.19M | 7.19 | 12.29% | 8.70% | -0.65% | 8.02% | |
58 Neutral | AU$11.89M | 13.04 | 33.71% | 1.66% | 10.93% | 18.56% | |
58 Neutral | AU$135.53M | 9.19 | 20.23% | ― | 20.39% | -42.91% | |
56 Neutral | AU$382.41M | 7.99 | 20.48% | 6.67% | 13.83% | 38.85% | |
52 Neutral | AU$53.07M | -1.31 | -41.92% | ― | 28.46% | 40.67% |
* Financial Sector Average
AU:N1H
N1 Holdings Ltd.
0.15
0.05
47.06%
AU:AFG
Australian Finance Group Ltd.
1.43
-1.20
-45.78%
AU:PLT
Plenti Group Ltd.
0.74
-0.76
-50.67%
AU:PPM
Pepper Money Ltd
1.73
-0.21
-10.85%
AU:MME
MoneyMe Ltd.
0.07
-0.06
-48.00%
AU:PFG
Prime Financial Group Limited
0.20
-0.02
-9.91%
N1 Holdings Ltd. Corporate Events
N1 Holdings Reaffirms Conservative Property-Backed Lending Amid Scrutiny of Private Credit Sector
Sep 7, 2026
N1 Holdings has reiterated its conservative stance on property-backed private lending amid heightened media and regulatory scrutiny of Australia’s private credit industry. The company emphasised that it lends only against established Austral...
N1 Holdings posts record quarter as SME lending and private credit demand surge
Jul 29, 2026
N1 Holdings Limited, a property-backed private credit lender to Australian SMEs, derives most of its income from its SME lending business and associated fund management operations. The company operates with loans secured over established Australia...
N1 Holdings Sharpens Funding Platform to Drive Capital-Efficient Growth
Jul 6, 2026
N1 Holdings Ltd., a property-backed private credit lender to Australian SMEs and sophisticated property investors, has built a diversified funding base across balance sheet capital, its own mortgage fund and structured debt facilities. The group p...
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.