Prime Financial Group Limited (PFG) AI Stock Analysis

• Market Cap: AU$62.73M
• Dividend Yield: 6.64%
• Average Volume (3M): 99.87K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.52
• Revenue Growth: 21.16%
• EPS Growth: 47.24%
• Country: AU
• Employees: 200
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.01
• Shares Outstanding: 260,349,000
• 10 Day Avg. Volume: 82,292
• 30 Day Avg. Volume: 99,867
• PEG Ratio: 0.33
• Price to Book (P/B): 0.95
• Price to Sales (P/S): 460.70
• P/FCF Ratio: 22.42
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$0.50
• Price Target Upside: 100.00% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 55 Neutral
• Price Target: AU$0.00 ▼(-100.00% Downside)

Prime Financial Group Limited's overall stock score is primarily influenced by its financial performance challenges, particularly in revenue and cash flow generation. The technical analysis indicates a bearish trend, further impacting the score. However, the valuation is a positive factor, with a reasonable P/E ratio and an attractive dividend yield.

Prime Financial Group Limited Business Overview & Revenue Model

Company Description

Prime Financial Group Limited (PFG) is an Australia-based integrated financial services company that provides a range of financial advisory services, including wealth management, self-managed superannuation funds (SMSFs) administration, estate planning, and accounting and business advisory services. The company primarily caters to individuals, families, and small to medium-sized enterprises (SMEs) seeking comprehensive financial solutions tailored to their specific needs.

How the Company Makes Money

Prime Financial Group Limited generates revenue through a diversified business model that includes advisory fees, commissions, and service fees from its wealth management and financial advisory services. The company earns advisory fees by providing personalized financial planning and investment management services to its clients. Additionally, PFG receives commissions from financial products, such as insurance and investment products, that it recommends and sells to its customers. Revenue is also generated from accounting and business advisory services, where the company offers tax, compliance, and business consulting services to SMEs. Partnerships with financial institutions and product providers enhance PFG's service offerings and contribute to its revenue streams.

Prime Financial Group Limited Financial Statement Overview

Summary

Prime Financial Group Limited faces challenges with declining revenue and cash flow generation, yet maintains strong profitability margins. The balance sheet reflects moderate leverage and a stable equity position, but the low ROE indicates room for improvement in generating returns from equity. Overall, the company needs to address revenue growth and cash flow efficiency to enhance its financial health.

Income Statement

Prime Financial Group Limited experienced a significant decline in revenue in the latest year, with a revenue growth rate of -99.73%. Despite this, the company maintained a strong EBIT margin of 73.73% and a net profit margin of 38.22%, indicating efficient cost management. However, the negative gross profit margin suggests potential issues in cost of goods sold or pricing strategy.

Balance Sheet

The company's debt-to-equity ratio of 0.37 indicates moderate leverage, which is manageable. The return on equity (ROE) is relatively low at 7.90%, suggesting limited profitability from equity investments. The equity ratio of 56.08% reflects a stable financial structure with a good proportion of equity financing.

Cash Flow

The free cash flow growth rate declined by 51.50%, indicating potential challenges in generating cash. The operating cash flow to net income ratio of 0.18 is low, suggesting that net income is not fully translating into cash flow. However, the free cash flow to net income ratio of 0.85 shows some level of cash generation efficiency.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	36.17M	120.63K	40.77M	33.74M	26.33M	22.32M
Gross Profit	15.90M	-1.93M	18.54M	31.98M	24.73M	20.53M
EBITDA	7.24M	11.35M	8.34M	8.76M	8.35M	7.13M
Net Income	2.85M	4.61M	2.85M	4.41M	3.81M	3.07M
Balance Sheet
Total Assets	104.05M	104.05M	82.12M	67.14M	59.77M	58.29M
Cash, Cash Equivalents and Short-Term Investments	2.42M	2.42M	507.86K	1.04M	128.70K	65.72K
Total Debt	21.88M	21.88M	14.73M	11.30M	7.15M	9.92M
Total Liabilities	45.00M	45.00M	29.38M	17.80M	13.12M	14.63M
Stockholders Equity	58.36M	58.36M	52.12M	48.70M	46.03M	42.86M
Cash Flow
Free Cash Flow	1.55M	2.48M	5.27M	2.47M	5.86M	5.32M
Operating Cash Flow	1.87M	2.93M	5.74M	4.22M	6.14M	5.54M
Investing Cash Flow	-3.89M	-3.89M	-2.99M	-3.94M	-974.21K	-811.25K
Financing Cash Flow	2.88M	2.88M	-3.29M	637.73K	-5.11M	-4.76M

Prime Financial Group Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.25
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PFG, the sentiment is Negative. The current price of 0.25 is above the 20-day moving average (MA) of 0.25, above the 50-day MA of 0.24, and above the 200-day MA of 0.22, indicating a neutral trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 40.05 is Neutral, neither overbought nor oversold. The STOCH value of 66.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:PFG.

Prime Financial Group Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MAM	74 Outperform	AU$73.82M	10.35	32.22%	6.90%	22.67%	19.47%
WTL	71 Outperform	AU$51.33M	11.03	15.13%	4.83%	16.64%	19.30%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TIP	65 Neutral	AU$50.24M	24.60	2.40%	1.62%	-5.10%	―
PFG	55 Neutral	AU$62.73M	13.37	8.35%	6.64%	21.16%	47.24%
CIW	51 Neutral	AU$33.15M	63.24	2.42%	1.90%	18.17%	―

Prime Financial Group Limited Corporate Events

Prime Financial Group Announces Director’s Share Acquisition

Prime Financial Group Limited has announced a change in the director’s interest, specifically involving Mr. Simon Madder. The company reported that Mr. Madder acquired 1,100,000 fully paid ordinary shares through an off-market trade, valued at $253,000 at a price of $0.23 per share. This change increases the total number of shares held indirectly by Mr. Madder, potentially impacting the company’s governance and shareholder structure.

Prime Financial Group Announces Director’s Share Disposal

Prime Financial Group Limited has announced a change in the director’s interest, specifically concerning Mr. Timothy Bennett. Mr. Bennett disposed of 550,000 fully paid ordinary shares in an on-market sale to cover personal income tax obligations arising from the exercise of performance rights. This transaction reflects a strategic financial decision by the director, which may influence stakeholders’ perceptions of the company’s financial management and governance practices.

Prime Financial Group Announces Director’s Share Disposal

Prime Financial Group Limited has announced a change in the director’s interest, specifically concerning Mr. Matthew Murphy. The change involves the disposal of 1,250,000 fully paid ordinary shares valued at $275,000. This adjustment in shareholding reflects Mr. Murphy’s indirect interests through Ascension Business Investments Pty Ltd and the Murphy Superannuation Fund. The transaction impacts the number of shares held by Mr. Murphy, indicating a strategic financial decision within the company’s leadership.

Prime Financial Group Announces Director Shareholding Changes

Prime Financial Group Limited announced changes in the shareholdings of its directors. Managing Director & Chairman Simon Madder acquired 1,100,000 shares indirectly, while Directors Timothy Bennett and Matthew Murphy sold 550,000 and 1,250,000 shares respectively to meet personal income tax obligations. These transactions reflect internal financial adjustments by the directors and may influence stakeholder perceptions of the company’s financial health.

Prime Financial Group Completes Acquisition of Lincoln Indicators

Prime Financial Group has successfully completed the acquisition of Lincoln Indicators Pty Ltd, securing full ownership. This strategic move is expected to enhance Prime’s market position and expand its service offerings, potentially benefiting stakeholders by strengthening its operational capabilities in the financial advisory sector.

Prime Financial Group Announces Resignation of Joint Company Secretary

Prime Financial Group Ltd announced the resignation of Ms. Priyamvada (Pia) Rasal as the Joint Company Secretary, effective immediately. Mrs. Alicia Sanders will continue as the Company Secretary and Group General Manager, and will be the primary contact for communications with the ASX, ensuring continuity in the company’s operations and compliance.