Steadfast Group Limited (SDF) AI Stock Analysis

• Market Cap: €6.52B
• Dividend Yield: 3.32%
• Average Volume (3M): 2.62M
• Price to Earnings (P/E): 19.4
• Beta (1Y): 0.63
• Revenue Growth: 9.16%
• EPS Growth: 43.16%
• Country: AU
• Employees: 415
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): 0.17
• Shares Outstanding: 1,111,991,600
• 10 Day Avg. Volume: 2,718,523
• 30 Day Avg. Volume: 2,622,652
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: €6.96
• Price Target Upside: 18.38% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5

• Rating: 63 Neutral
• Price Target: AU$6.50 ▲(10.54% Upside)

Steadfast Group Limited's overall stock score is driven by its solid financial performance and moderate valuation. However, technical indicators suggest a bearish trend, which impacts the overall score. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Cash Flow Management

Strong cash flow management ensures the company can fund operations, invest in growth opportunities, and return capital to shareholders, supporting long-term stability.

Profitability

Consistent and improving profitability indicates efficient operations and the ability to generate sustainable earnings over time, enhancing shareholder value.

Balance Sheet Health

A stable balance sheet with moderate leverage suggests financial resilience, allowing the company to withstand economic fluctuations and invest in strategic initiatives.

Negative Factors

Revenue Growth Slowdown

Slowing revenue growth may indicate challenges in expanding market share or competitive pressures, potentially impacting future earnings and market positioning.

Lack of Earnings Call Data

The absence of earnings call data limits transparency and investor insight into management's strategic outlook, potentially affecting investor confidence and decision-making.

Equity Ratio Uncertainty

Lack of clarity on the equity ratio hinders a comprehensive assessment of asset financing, which is crucial for understanding the company's financial leverage and risk profile.

Steadfast Group Limited Business Overview & Revenue Model

Company Description

Steadfast Group Limited provides general insurance brokerage services Australasia, Asia, and Europe. It also provides insurance underwriting services and related services. The company offers business insurance products, such as aviation, business pack, business interruption, contract works, corporate travel, cyber, events, farm, marine, management liability, product liability, professional indemnity, public liability, trade credit, and workers' compensation insurance. It also provides personal insurance products, including home and contents, landlord, life, motor, and strata insurance. The company operates a network of 427 general insurance brokers and 28 underwriting agencies. Steadfast Group Limited was incorporated in 1996 and is based in Sydney, Australia.

How the Company Makes Money

Steadfast Group Limited makes money primarily through commissions and fees generated by its network of insurance brokerages. These brokerages, which are part of the Steadfast network, earn commissions from insurance companies for policies they sell to clients. Additionally, Steadfast operates underwriting agencies that create specialized insurance products and earn revenue through underwriting fees. The company also generates income from its equity interests in partner businesses and through service fees for providing risk management and other financial services. Key partnerships with insurance providers and a strong network of brokerages are significant factors contributing to Steadfast's revenue, allowing it to leverage economies of scale and negotiate favorable terms with insurers, which enhances its profitability.

Steadfast Group Limited Financial Statement Overview

Summary

Steadfast Group Limited exhibits solid financial health with strong profitability and cash flow metrics. While revenue growth has recently slowed, the company maintains efficient operations and a stable balance sheet.

Income Statement

Steadfast Group Limited shows strong profitability with a consistent gross profit margin and improving net profit margin over the years. However, the recent decline in revenue growth rate indicates potential challenges in maintaining top-line growth. The EBIT and EBITDA margins are robust, reflecting efficient operations.

Balance Sheet

The company's balance sheet is stable with a moderate debt-to-equity ratio, suggesting a balanced approach to leverage. Return on equity has been improving, indicating effective use of shareholder funds. However, the equity ratio is not explicitly provided, which limits a comprehensive assessment of asset financing.

Cash Flow

Steadfast Group Limited demonstrates strong cash flow management with a positive free cash flow growth rate and high free cash flow to net income ratio. The operating cash flow to net income ratio is healthy, indicating good cash generation relative to earnings.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.87B	1.82B	1.76B	1.46B	885.50M	902.00M
Gross Profit	1.32B	1.32B	862.00M	696.00M	423.00M	539.40M
EBITDA	575.40M	665.00M	587.00M	463.60M	362.50M	265.90M
Net Income	334.90M	334.90M	228.00M	189.20M	171.60M	143.00M
Balance Sheet
Total Assets	6.43B	6.43B	5.71B	4.89B	3.92B	3.01B
Cash, Cash Equivalents and Short-Term Investments	1.60B	1.60B	1.33B	1.14B	945.00M	737.30M
Total Debt	1.63B	1.63B	1.30B	1.04B	938.70M	790.00M
Total Liabilities	3.80B	3.80B	3.14B	2.64B	2.10B	1.74B
Stockholders Equity	2.40B	2.40B	2.33B	2.04B	1.68B	1.16B
Cash Flow
Free Cash Flow	492.70M	490.30M	287.40M	408.40M	64.70M	239.10M
Operating Cash Flow	498.70M	498.50M	298.70M	424.60M	73.20M	250.30M
Investing Cash Flow	-196.50M	-196.30M	-441.20M	-348.20M	-262.40M	-114.00M
Financing Cash Flow	-26.90M	-26.90M	331.30M	117.60M	223.40M	-58.90M

Steadfast Group Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.88
• 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:SDF, the sentiment is Negative. The current price of 5.88 is below the 20-day moving average (MA) of 6.08, below the 50-day MA of 6.01, and above the 200-day MA of 5.75, indicating a neutral trend. The MACD of -0.02 indicates Positive momentum. The RSI at 39.34 is Neutral, neither overbought nor oversold. The STOCH value of 26.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:SDF.

Steadfast Group Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUB	65 Neutral	AU$3.79B	21.03	10.64%	2.80%	10.98%	23.05%
SDF	63 Neutral	€6.52B	19.37	14.17%	3.32%	9.16%	43.16%
AFG	63 Neutral	AU$706.58M	20.12	―	3.50%	14.37%	20.75%
IFL	61 Neutral	AU$3.01B	186.31	―	―	-15.63%	―
CGF	56 Neutral	AU$5.84B	30.29	4.98%	3.48%	11.78%	47.53%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%