N1 Holdings Ltd. AI Stock Analysis
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N1 Holdings Ltd. (N1H) AI Stock Analysis
N1 Holdings Ltd.
(ASX:N1H)
The overall score is constrained primarily by the highly leveraged balance sheet, volatile cash flow, and modest net profitability despite strong revenue growth. Positive valuation and a share price above all major moving averages provide support, but elevated RSI and negative MACD temper the technical outlook.
N1 Holdings Ltd. (N1H) vs. iShares MSCI Australia ETF (EWA)
- Market Cap
- AUD 14.97M
- Dividend Yield
- 3.08%
- Average Volume (3M)
- 35.51K
- Price to Earnings (P/E)
- 11.3
- Beta (1Y)
- 0.18
- Revenue Growth
- 10.93%
- EPS Growth
- 18.56%
- Country
- Australia
- Employees
- 12
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Mortgages
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 purchases...
N1 Holdings Ltd. Financial Statement Overview
Summary
Strong revenue growth and operating profitability are offset by extremely high leverage, thin equity, volatile net profit, and uneven cash flow. The score reflects the average of the provided income statement, balance sheet, and cash flow scores.
Income Statement
68PositiveBalance Sheet
25NegativeCash Flow
42Neutral| Breakdown | TTM | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.26M | 22.26M | 20.07M | 18.55M | 14.09M | 10.63M |
| Gross Profit | 20.89M | 20.89M | 19.15M | 17.43M | 12.38M | 9.17M |
| EBITDA | 17.26M | 17.26M | 14.25M | 13.26M | 36.25K | 5.81M |
| Net Income | 1.01M | 1.01M | 855.83K | 1.09M | 340.94K | 1.10M |
Balance Sheet | ||||||
| Total Assets | 271.34M | 271.34M | 130.41M | 114.62M | 90.22M | 79.44M |
| Cash, Cash Equivalents and Short-Term Investments | 22.95M | 22.95M | 11.32M | 13.53M | 7.08M | 14.14M |
| Total Debt | 262.19M | 262.19M | 123.64M | 108.09M | 85.02M | 75.30M |
| Total Liabilities | 268.35M | 268.35M | 128.17M | 112.93M | 89.63M | 79.28M |
| Stockholders Equity | 2.99M | 2.99M | 2.24M | 1.69M | 591.66K | 624.74K |
Cash Flow | ||||||
| Free Cash Flow | 11.77M | 11.77M | -1.40M | 7.37M | -6.15M | 11.84M |
| Operating Cash Flow | 11.78M | 11.78M | -1.34M | 7.38M | -6.06M | 11.85M |
| Investing Cash Flow | 307.62K | 307.62K | -312.23K | 70.99K | 526.06K | 213.32K |
| Financing Cash Flow | -484.34K | -484.34K | -560.77K | -940.30K | -1.59M | -1.14M |
N1 Holdings Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:N1H, the sentiment is Neutral. The current price of 0.13 is below the 20-day moving average (MA) of 0.14, below the 50-day MA of 0.14, and above the 200-day MA of 0.11, indicating a neutral trend. The MACD of 0.00 indicates Positive momentum. The RSI at 44.10 is Neutral, neither overbought nor oversold. The STOCH value of 5.26 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AU:N1H.
N1 Holdings Ltd. Peers Comparison
Overall Rating
AU:PLT74Outperform
AU:PPM71Outperform
AU:PFG63Neutral
AU:MME62Neutral- AU:N1H52Neutral
AU:AFG49Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AU:PLT | 74Outperform | AUD 141.06M | 9.09 | 20.23% | ― | 20.39% | -42.91% |
| AU:PPM | 71Outperform | AUD 802.15M | 7.52 | 12.29% | 8.31% | -0.65% | 8.02% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AU:PFG | 63Neutral | AUD 48.29M | 12.67 | 6.44% | 9.05% | 20.95% | -19.79% |
| AU:MME | 62Neutral | AUD 49.96M | -1.23 | -41.92% | ― | 28.46% | 40.67% |
| AU:N1H | 52Neutral | AUD 11.45M | 11.30 | 33.71% | 3.08% | 10.93% | 18.56% |
| AU:AFG | 49Neutral | AUD 411.42M | 8.62 | 20.48% | 6.15% | 13.83% | 38.85% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| AU:N1H | N1 Holdings Ltd. | 0.13 | 0.01 | 10.17% | |
| AU:AFG | Australian Finance Group Ltd. | 1.54 | -0.67 | -30.15% | |
| AU:PLT | Plenti Group Ltd. | 0.73 | -0.53 | -42.30% | |
| AU:PPM | Pepper Money Ltd | 1.80 | -0.41 | -18.47% | |
| AU:MME | MoneyMe Ltd. | 0.06 | -0.06 | -49.17% | |
| AU:PFG | Prime Financial Group Limited | 0.19 | -0.02 | -10.38% |
N1 Holdings Ltd. Corporate Events
N1 Holdings Shareholders Pass All Annual General Meeting Resolutions
Shareholders of N1 Holdings Limited passed all resolutions at the company’s 2026 Annual General Meeting on 12 November 2026, with voting conducted by poll. The resolutions covered adoption of the remuneration report, the re-election of Jia Penny He a...
N1 Holdings Director-Linked Holding Increases After Share Acquisition
N1 Holdings Limited disclosed that director Jia Penny He’s indirect interest increased through an off-market acquisition by Star Plus Super Pty Ltd as trustee for the S&P Family Super Fund. The entity acquired 46,313 fully paid ordinary shares for $6...
N1 Holdings lifts revenue and lending capacity amid cautious expansion in private credit
N1 Holdings Ltd., an Australian property-backed private credit lender to SMEs and sophisticated property investors, reported strong growth for the September quarter of FY27. The group draws on balance sheet capital, mortgage funds and debt facilities...
N1 Holdings Sets Date and Voting Rules for 2026 Annual General Meeting
N1 Holdings Ltd. has scheduled its 2026 Annual General Meeting for 10:00 a.m. on 12 November 2026 in Sydney, providing shareholders with a formal opportunity to vote on company matters. The board has set the shareholder record time at 10:00 a.m. on t...
N1 Holdings Brings Forward Key Dates for 2026 Annual Dividend
N1 Holdings Limited has updated its previously announced annual dividend timetable for holders of its ordinary fully paid shares on the ASX. The distribution relates to the twelve-month period ended 30 June 2026, maintaining the company’s pattern of...
N1 Holdings Declares Full-Year Dividend for FY2026
N1 Holdings Limited has declared a dividend of AUD 0.004 per ordinary fully paid share, relating to the 12-month period ended 30 June 2026. The distribution timetable sets the ex-dividend date for 2 November 2026, the record date for 3 November 2026,...
N1 Holdings Highlights 2026 Corporate Governance Framework in Annual Report
N1 Holdings Limited has released its annual report for the year ended 30 June 2026, highlighting its continued commitment to corporate governance aligned with the ASX Corporate Governance Council’s fourth edition principles and recommendations. The b...
N1 Holdings Outlines Board Charter and ASX Governance Compliance
N1 Holdings has detailed its current adherence to the ASX Corporate Governance Council’s Principles and Recommendations as at 30 June 2026, confirming the adoption of a formal board charter. The document outlines the board’s responsibilities across s...
N1 Holdings Sets 2026 Governance Timetable with AGM Date
N1 Holdings Limited, a Sydney-based financial services advisory group, focuses on arranging and refinancing debt for corporate and property-sector clients through Australian banks, private funds and offshore capital providers. Its network of traditio...
N1 Holdings Reaffirms Conservative Property-Backed Lending Amid Scrutiny of Private Credit Sector
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 Australian prope...
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: Nov 06, 2026