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Plato Income Maximiser Ltd. (PL8) AI Stock Analysis
Plato Income Maximiser Ltd.
(ASX:PL8)
The company's fortress-like, debt-free balance sheet and strong cash conversion are the primary strengths supporting the score. However, these are significantly offset by a highly volatile income history and a premium valuation, which temper the overall investment appeal. Moderate technical momentum provides a neutral-to-positive backdrop.
Plato Income Maximiser Ltd. (PL8) vs. iShares MSCI Australia ETF (EWA)
- Market Cap
- AUD 1.01B
- Dividend Yield
- 4.85%
- Average Volume (3M)
- 492.71K
- Price to Earnings (P/E)
- 24.5
- Beta (1Y)
- 0.15
- Revenue Growth
- 4.78%
- EPS Growth
- -49.91%
- Country
- Australia
- Employees
- 0
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Asset Management - Income
Plato Income Maximiser Ltd. Business Overview & Revenue Model
Company Description
Plato Income Maximiser Limited operates as an independently owned investment management firm. It primarily serves self-managed superannuation funds (SMSFs) and investors in the retirement phase. The company directs its investments into Australian pub...
How the Company Makes Money
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Plato Income Maximiser Ltd. Financial Statement Overview
Summary
Financial performance is mixed. The balance sheet is exceptional with zero debt and growing equity (Score 85), and cash flow is solid with perfect profit conversion (Score 70). However, the income statement is highly volatile with a history of losses (Score 45). The overall financial health is sound, but inconsistent earnings power is a drag.
Income Statement
45NeutralBalance Sheet
85Very PositiveCash Flow
70Positive| Breakdown | TTM | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 52.08M | 52.08M | 49.70M | 84.86M | 70.88M | -40.93M |
| Gross Profit | 44.93M | 44.93M | 109.71M | 84.40M | 65.75M | -45.52M |
| EBITDA | 42.45M | 42.45M | 102.55M | 78.43M | 65.74M | -290.00K |
| Net Income | 41.83M | 41.83M | 83.58M | 65.94M | 57.36M | -12.86M |
Balance Sheet | ||||||
| Total Assets | 857.71M | 857.71M | 865.83M | 823.03M | 681.78M | 578.15M |
| Cash, Cash Equivalents and Short-Term Investments | 617.00K | 617.00K | 170.00K | 803.33M | 307.00K | 207.00K |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 8.79M | 8.79M | 9.33M | 697.00K | 577.00K | 519.00K |
| Stockholders Equity | 848.92M | 848.92M | 856.50M | 822.33M | 681.20M | 577.63M |
Cash Flow | ||||||
| Free Cash Flow | 43.99M | 43.99M | 41.83M | 42.77M | 47.64M | -12.86M |
| Operating Cash Flow | 43.99M | 43.99M | 41.83M | 42.77M | 47.64M | -12.86M |
| Investing Cash Flow | 5.87M | 5.87M | 7.45M | -117.94M | -93.73M | -151.27M |
| Financing Cash Flow | -49.41M | -49.41M | -49.41M | 75.16M | 46.19M | 105.68M |
Plato Income Maximiser Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PL8, the sentiment is Negative. The current price of 1.36 is below the 20-day moving average (MA) of 1.38, below the 50-day MA of 1.40, and below the 200-day MA of 1.38, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 42.89 is Neutral, neither overbought nor oversold. The STOCH value of 56.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:PL8.
Plato Income Maximiser Ltd. Peers Comparison
Overall Rating
AU:MOT80Outperform
AU:MXT73Outperform
AU:GCI70Outperform
AU:QRI68Neutral
AU:PL863Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| 80Outperform | AUD 442.56M | 8.26 | 7.33% | 11.59% | -8.58% | -129.93% | |
| 73Outperform | AUD 1.97B | 10.17 | 8.00% | 10.17% | 12.82% | -25.06% | |
| 70Outperform | AUD 1.18B | 13.11 | 8.54% | 7.64% | 32.49% | -7.74% | |
| 68Neutral | AUD 921.44M | 12.89 | 7.15% | 8.23% | 11.79% | -14.45% | |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| 63Neutral | AUD 1.02B | 24.51 | 4.89% | 4.85% | 4.78% | -49.91% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| AU:PL8 | Plato Income Maximiser Ltd. | 1.36 | 0.02 | 1.12% | |
| AU:GCI | Gryphon Capital Income Trust | 2.00 | 0.11 | 6.03% | |
| AU:MXT | Metrics Master Income Trust | 1.61 | -0.17 | -9.80% | |
| AU:KKC | KKR Credit Income fund Units | 1.97 | -0.09 | -4.23% | |
| AU:MOT | Metrics Income Opportunities Trust Units | 1.32 | -0.39 | -22.70% | |
| AU:QRI | Qualitas Real Estate Income Fund Units | 1.46 | -0.01 | -0.82% |
Plato Income Maximiser Ltd. Corporate Events
Plato Income Maximiser posts updated NTA after August dividend
Plato Income Maximiser Limited has reported an estimated pre-tax net tangible asset backing of $1.164 per share and post-tax NTA of $1.143 per share as at 21 August 2026. These unaudited figures incorporate the impact of the monthly dividend of $0.00...
Plato Income Maximiser outlines ASX-aligned governance framework
Plato Income Maximiser Limited has detailed its corporate governance framework, confirming broad compliance with the ASX Corporate Governance Council’s fourth edition Principles and Recommendations. The board operates under a formal charter, cl...
Plato Income Maximiser Files Updated Corporate Governance Statement with ASX
Plato Income Maximiser Limited has lodged its updated corporate governance statement and corresponding Appendix 4G with the ASX for the financial year ended 30 June 2026, confirming compliance with the ASX Corporate Governance Council’s princip...
Plato Income Maximiser lifts FY26 profit and maintains high monthly dividends
Plato Income Maximiser Ltd. reported an operating profit after tax of $41.8 million for the year to 30 June 2026, with a total portfolio return of 7.2%, matching its benchmark while outperforming it on income by 2.5 percentage points. Since inception...
Plato Income Maximiser Publishes 2026 Annual Report and Governance Update
Plato Income Maximiser Limited has released its annual report for the year ended 30 June 2026, detailing governance, investment performance, financial statements and shareholder information. The document includes the chairman’s letter, the inve...
Plato Income Maximiser Profit Halves as It Maintains Monthly Dividends
Plato Income Maximiser reported a sharp contraction in financial performance for the year to 30 June 2026, with revenue from ordinary activities falling 54.1% to $50.6 million and net profit attributable to shareholders down 49.9% to $41.8 million. B...
Plato Income Maximiser posts updated NTA after August dividend
Plato Income Maximiser Limited has reported an estimated pre-tax net tangible asset backing of $1.164 per share and a post-tax NTA of $1.143 per share as at 14 August 2026. These unaudited figures incorporate the monthly dividend of $0.0055 per share...
Plato Income Maximiser Posts Weekly NTA Ahead of August Dividend
Plato Income Maximiser Ltd., an ASX-listed investment company, specialises in generating regular, tax-effective income from a diversified equity portfolio for income-focused investors. Its strategy emphasizes monthly dividend payments and franking be...
Plato Income Maximiser Keeps Monthly Dividend Flow as Portfolio Outperforms Benchmark
Plato Income Maximiser Ltd. reported that since its April 2017 inception, its investment portfolio has delivered a total return of 10.1% per annum after fees and an income yield of 7.5% including franking credits, marginally outperforming its benchma...
Plato Income Maximiser Updates July NTA and Franking Balance
Plato Income Maximiser Ltd. has reported its net tangible asset backing per share as at 31 July 2026, disclosing a pre-tax NTA of $1.158 and a post-tax NTA of $1.141. The company also noted a franking account balance of $0.004 per share, which repres...
Plato Income Maximiser declares monthly dividend for July 2026
Plato Income Maximiser Ltd., an Australian listed investment company specialising in income-focused portfolios, offers regular dividend distributions to shareholders through its ordinary fully paid shares under the ASX code PL8. The company targets i...
Plato Income Maximiser Posts Updated NTA After Monthly Dividend
Plato Income Maximiser Ltd has reported an estimated pre-tax net tangible asset backing of $1.135 per share and a post-tax NTA of $1.125 per share as at 24 July 2026. The figures, which are unaudited, reflect the impact of the monthly dividend of $0....
Plato Income Maximiser updates NTA and confirms July dividend settings
Plato Income Maximiser reported an estimated pre-tax net tangible asset backing of $1.141 per share and post-tax NTA of $1.131 per share as at 17 July 2026, noting these figures are unaudited and approximate. The update highlighted that these NTA val...
Plato Income Maximiser lifts income profile with steady dividends and benchmark-beating returns
Plato Income Maximiser reported that its investments delivered a total return of 10.0% per year since inception, after fees, with a 7.5% annual income yield including franking, marginally outperforming its benchmark on both return and yield. The comp...
Plato Income Maximiser Posts Updated Weekly NTA and Franking Balance
Plato Income Maximiser Ltd. has reported an estimated pre-tax net tangible asset backing of $1.149 per share and a post-tax NTA of $1.137 per share as at 3 July 2026. The figures, which are unaudited and approximate, offer investors an updated view o...
Plato Income Maximiser posts June NTA and franking balance update
Plato Income Maximiser Limited has reported its net tangible asset backing per share as at 30 June 2026, with a pre-tax NTA of $1.144 and a post-tax NTA of $1.133, highlighting the difference between tax treatments on realised and unrealised gains. T...
Plato Income Maximiser posts updated NTA after June dividend
Plato Income Maximiser Ltd reported an estimated pre-tax net tangible asset backing of $1.148 per share and a post-tax NTA of $1.133 as at 26 June 2026. These unaudited figures incorporate the monthly dividend of $0.0055 per share that went ex-divide...
Plato Income Maximiser Updates NTA and Dividend-Adjusted Asset Values
Plato Income Maximiser Limited reported an estimated pre-tax net tangible asset backing of $1.151 per share and post-tax NTA of $1.135 per share as at 19 June 2026. These unaudited figures reflect the impact of the monthly dividend of $0.0055 per sha...
Plato Income Maximiser Updates NTA and Confirms June Dividend
Plato Income Maximiser has released its estimated unaudited net tangible asset backing per share as at 12 June 2026, reporting a pre-tax NTA of $1.157 and a post-tax NTA of $1.141. These figures precede the monthly dividend of $0.0055 per share payab...
Plato Income Maximiser Posts May NTA and Franking Balance Update
Plato Income Maximiser Limited reported its net tangible asset backing per share as at 31 May 2026, with pre-tax NTA at $1.145 and post-tax NTA at $1.133. The company also disclosed a franking account balance of $0.006 per share, indicating additiona...
Plato Income Maximiser Declares Monthly Dividend for May 2026
Plato Income Maximiser Ltd. has declared a monthly ordinary dividend of AUD 0.0055 per fully paid share for the period ended 31 May 2026, continuing its program of regular income distributions to shareholders. The dividend will trade ex on 15 June, w...
Plato Income Maximiser posts steady NTA as franked dividend paid
Plato Income Maximiser Ltd. reported an estimated pre-tax net tangible asset backing of $1.139 per share and a post-tax NTA of $1.129 per share as at 22 May 2026, with figures described as unaudited and approximate. These NTA values are stated after...
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: Aug 29, 2026