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Plenti Group Ltd.
(Sydney:PLT)
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Rating:58Neutral
Price Target:
AU$0.76
▼(-8.55% Downside)
Action:Reiterated
Date:08/24/26
The score is primarily held back by elevated balance-sheet leverage despite improving operations. Technical signals are moderately positive in the near term (above key shorter moving averages with positive MACD) but the stock remains below the 200-day average. Valuation is supportive with a relatively low P/E, though no dividend yield data is available.
Positive Factors
Strong revenue growth
A 57.8% annual revenue increase, following steady expansion, indicates that Plenti is scaling loan origination and servicing economics across its lending platform. Sustained top-line growth can broaden the earnings base and provide operating leverage if credit and funding outcomes remain controlled.
Negative Factors
Very high leverage
Debt of roughly 3.03B against only 88.7M of equity leaves Plenti’s capital structure highly leveraged for a credit business. Small adverse changes in borrower credit performance or funding costs could therefore create outsized pressure on earnings, liquidity, and shareholder capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
A 57.8% annual revenue increase, following steady expansion, indicates that Plenti is scaling loan origination and servicing economics across its lending platform. Sustained top-line growth can broaden the earnings base and provide operating leverage if credit and funding outcomes remain controlled.
Read all positive factors
Plenti Group Ltd. (PLT) vs. iShares MSCI Australia ETF (EWA)
Market Cap
AU$134.61M
Dividend YieldN/A
Average Volume (3M)85.56K
Price to Earnings (P/E)9.6
Beta (1Y)0.70
Revenue Growth20.39%
EPS Growth-42.91%
CountryAU
Employees103
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.08
Shares Outstanding184,397,200
10 Day Avg. Volume64,058
30 Day Avg. Volume85,564
Financial Highlights & Ratios
PEG Ratio-0.23
Price to Book (P/B)1.59
Price to Sales (P/S)0.45
P/FCF Ratio2.89
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$1.65Price Target Upside98.19% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.14
Revenue Forecast (FY)AU$350.03M
Plenti Group Ltd. Business Overview & Revenue Model
Company Description
Operating as an Australian fintech lender, Plenti Group Limited delivers a variety of financial solutions. These include financing for vehicles, renewable energy projects, and personal needs, alongside options for debt consolidation, home improvem...
How the Company Makes Money
Plenti makes money primarily by originating loans and earning interest and fee income on those loans, while funding them through bank facilities and capital markets structures.
Key revenue streams include:
1) Net interest income on loan receivabl...
Plenti Group Ltd. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
28
Negative
Cash Flow
52
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 312.28M | 231.25M | 210.99M | 143.46M | 88.51M |
| Gross Profit | 310.67M | 98.89M | 186.74M | 123.22M | 58.99M |
| EBITDA | 178.23M | 144.37M | -6.83M | 50.95M | 4.78M |
| Net Income | 14.30M | 24.76M | -14.71M | -13.58M | -6.32M |
Balance Sheet | |||||
| Total Assets | 3.21B | 2.66B | 2.26B | 1.91B | 1.47B |
| Cash, Cash Equivalents and Short-Term Investments | 243.80M | 177.01M | 148.87M | 143.55M | 159.57M |
| Total Debt | 3.03B | 2.56B | 2.19B | 1.83B | 1.39B |
| Total Liabilities | 3.12B | 2.61B | 2.23B | 1.87B | 1.42B |
| Stockholders Equity | 88.73M | 42.55M | 26.32M | 45.04M | 52.67M |
Cash Flow | |||||
| Free Cash Flow | 48.80M | 64.36M | 39.18M | 19.62M | -5.14M |
| Operating Cash Flow | 49.10M | 64.47M | 39.24M | 20.59M | -3.91M |
| Investing Cash Flow | -453.59M | -409.38M | -386.22M | -475.24M | -685.87M |
| Financing Cash Flow | 469.63M | 372.47M | 352.88M | 438.44M | 761.03M |
Plenti Group Ltd. Technical Analysis
Negative
0.83
Price Trends
0.77
Negative
0.77
Negative
0.84
Negative
Market Momentum
-0.01
Negative
48.04
Neutral
64.79
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:PLT, the sentiment is Negative. The current price of 0.83 is above the 20-day moving average (MA) of 0.73, above the 50-day MA of 0.77, and below the 200-day MA of 0.84, indicating a bearish trend. The MACD of -0.01 indicates Negative momentum. The RSI at 48.04 is Neutral, neither overbought nor oversold. The STOCH value of 64.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:PLT.
Plenti Group 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% | |
60 Neutral | AU$770.69M | 7.15 | 12.29% | 8.75% | -0.65% | 8.02% | |
58 Neutral | AU$134.61M | 9.63 | 20.23% | ― | 20.39% | -42.91% | |
58 Neutral | AU$71.59M | 7.03 | 22.86% | ― | 9.62% | 82.62% | |
54 Neutral | AU$61.70M | -8.60 | -16.10% | 3.00% | 18.86% | 17.31% | |
52 Neutral | AU$48.33M | -1.21 | -41.92% | ― | 28.46% | 40.67% | |
50 Neutral | AU$847.38M | 7.71 | 8.74% | 12.88% | 4.20% | 85.51% |
* Financial Sector Average
AU:PLT
Plenti Group Ltd.
0.73
-0.77
-51.33%
AU:HMY
Harmoney Corp Ltd
0.70
-0.23
-24.46%
AU:WZR
Wisr Ltd.
0.04
<0.01
16.67%
AU:PPM
Pepper Money Ltd
1.72
-0.30
-15.01%
AU:LFS
Latitude Group Holdings Ltd.
0.82
-0.20
-20.02%
AU:MME
MoneyMe Ltd.
0.06
-0.06
-48.70%
Plenti Group Ltd. Corporate Events
Plenti hits record $613m quarter as loan book climbs to $3.5bn
Oct 26, 2026
Plenti Group Ltd reported record quarterly loan originations of $613 million for the three months to 30 September 2026, lifting its loan portfolio to $3.5 billion and meeting its full‑year exit run‑rate target ahead of schedule. Growth...
Plenti to Brief Investors on September-Quarter Results
Oct 21, 2026
Plenti Group Ltd, a technology-driven fintech lender, provides automotive, renewable energy and personal loans to creditworthy borrowers in Australia through its proprietary platform. The company emphasises fast, fair lending and has steadily expa...
Plenti trims potential dilution as options and performance rights lapse
Oct 1, 2026
Plenti Group Ltd has announced the cessation of a tranche of its equity-linked incentives, with 25,000 options and 52,929 performance rights lapsing after the conditions attached to these instruments were not, or could no longer be, satisfied. The...
Plenti shareholders back all resolutions at 2026 AGM
Aug 18, 2026
Plenti Group Limited reported that all resolutions put to shareholders at its 2026 Annual General Meeting were passed by poll. The meeting covered key governance matters, including the adoption of the remuneration report and board composition.Shar...
Plenti posts strong growth and profit surge despite tougher credit market
Aug 17, 2026
Plenti Group Ltd used its sixth AGM to highlight strong growth achieved in a challenging economic environment marked by geopolitical uncertainty, rising interest rates and intense competition in consumer finance. Despite these headwinds, the lende...
Plenti Group Seeks ASX Quotation for Nearly 2 Million New Shares
Aug 10, 2026
Plenti Group Ltd. has applied to the Australian Securities Exchange for quotation of 1,957,941 ordinary fully paid shares, with the securities issued on August 5, 2026. The new share quotation reflects the conversion or exercise of existing option...
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.