Want to see NZ:SUM full AI Analyst Report?
Top Page
Summerset Group Holdings Limited
(SUM)
Select Model
Select Model
Rating:66Neutral
Price Target:
$8.00
▲(2.96% Upside)
Action:N/A
Date:10/05/26
The score is driven by solid underlying financial health (especially cash flow strength) and an attractive valuation (very low P/E with a modest dividend). These positives are meaningfully offset by weak technicals—price below major moving averages with negative MACD—alongside earnings/margin volatility and rising leverage that reduce confidence in profit stability.
Positive Factors
Strong cash generation
Robust operating cash flow and consistently meaningful free cash flow indicate that reported earnings are supported by cash conversion. This gives Summerset greater capacity to fund village development, service obligations, and shareholder distributions while reducing reliance on external financing.
Negative Factors
Rising leverage and weaker returns
Increasing debt relative to equity reduces financial flexibility and raises the capital burden attached to future development. The decline in return on equity also indicates that the larger capital base is currently producing less efficient returns, which may constrain sustainable profit growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Robust operating cash flow and consistently meaningful free cash flow indicate that reported earnings are supported by cash conversion. This gives Summerset greater capacity to fund village development, service obligations, and shareholder distributions while reducing reliance on external financing.
Read all positive factors
Summerset Group Holdings Limited (SUM) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.76B
Dividend Yield2.43%
Average Volume (3M)248.62K
Price to Earnings (P/E)5.7
Beta (1Y)0.92
Revenue Growth14.09%
EPS Growth-18.30%
CountryNZ
Employees3,300
SectorGeneral
Sector StrengthN/A
IndustryMedical - Care Facilities
Share Statistics
EPS (TTM)1.26
Shares Outstanding244,915,540
10 Day Avg. Volume270,843
30 Day Avg. Volume248,616
Financial Highlights & Ratios
PEG Ratio-0.45
Price to Book (P/B)0.89
Price to Sales (P/S)8.18
P/FCF Ratio9.86
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$13.44Price Target Upside72.94% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)0.9
Revenue Forecast (FY)$516.73M
Summerset Group Holdings Limited Business Overview & Revenue Model
Company Description
Summerset Group Holdings Limited, along with its various subsidiaries, is engaged in the creation, ownership, and management of comprehensive retirement communities throughout New Zealand and Australia. These communities offer a full spectrum of c...
How the Company Makes Money
Summerset primarily makes money through a combination of retirement village unit sales/occupation rights, development margins, and ongoing village and care operations. A key revenue stream is the sale of occupation rights (or equivalent resident a...
Summerset Group Holdings Limited Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
66
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 388.59M | 360.86M | 318.61M | 270.50M | 236.96M | 202.06M |
| Gross Profit | 288.62M | 272.02M | 288.01M | 22.52M | 200.89M | 171.96M |
| EBITDA | 376.60M | 299.47M | 400.70M | 22.52M | 21.17M | 15.41M |
| Net Income | 303.98M | 259.72M | 339.84M | 436.32M | 269.07M | 543.66M |
Balance Sheet | ||||||
| Total Assets | 9.84B | 9.23B | 8.07B | 6.94B | 5.84B | 4.92B |
| Cash, Cash Equivalents and Short-Term Investments | 14.10M | 6.05M | 15.52M | 14.22M | 25.35M | 8.42M |
| Total Debt | 2.08B | 1.98B | 1.73B | 1.41B | 1.08B | 759.65M |
| Total Liabilities | 6.33B | 5.91B | 5.10B | 4.34B | 3.65B | 3.00B |
| Stockholders Equity | 3.51B | 3.33B | 2.97B | 2.61B | 2.19B | 1.92B |
Cash Flow | ||||||
| Free Cash Flow | 372.86M | 299.39M | 290.63M | 287.22M | 277.13M | 311.36M |
| Operating Cash Flow | 498.65M | 446.91M | 443.17M | 398.18M | 330.69M | 354.53M |
| Investing Cash Flow | -619.51M | -649.44M | -683.11M | -668.47M | -627.51M | -425.00M |
| Financing Cash Flow | 117.36M | 196.79M | 237.21M | 257.65M | 299.50M | 34.20M |
Summerset Group Holdings Limited Technical Analysis
Negative
7.77
Price Trends
7.97
Negative
8.07
Negative
9.13
Negative
Market Momentum
-0.19
Positive
33.06
Neutral
25.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NZ:SUM, the sentiment is Negative. The current price of 7.77 is above the 20-day moving average (MA) of 7.67, below the 50-day MA of 7.97, and below the 200-day MA of 9.13, indicating a bearish trend. The MACD of -0.19 indicates Positive momentum. The RSI at 33.06 is Neutral, neither overbought nor oversold. The STOCH value of 25.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NZ:SUM.
Summerset Group Holdings Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | $45.49M | 16.07 | ― | 3.60% | 17.86% | 20.79% | |
66 Neutral | $1.76B | 5.65 | 8.89% | 2.43% | 14.09% | -18.30% | |
63 Neutral | $34.15M | 0.03 | ― | ― | 29.55% | -11.97% | |
56 Neutral | $1.83B | -10.88 | -4.17% | 3.15% | 11.86% | 72.99% | |
56 Neutral | $114.80M | 12.16 | ― | 4.23% | 14.16% | 34.82% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
50 Neutral | $514.20M | 3,525.00 | 0.02% | 4.16% | 2.52% | -99.52% |
* General Sector Average
NZ:SUM
Summerset Group Holdings Limited
7.04
-3.88
-35.51%
NZ:OCA
Oceania Healthcare
0.70
>-0.01
-0.71%
NZ:RYM
Ryman Healthcare
1.80
-0.91
-33.52%
NZ:PHL
Promisia Healthcare Limited
0.65
0.22
50.00%
NZ:TAH
Third Age Health Services Limited
4.46
0.02
0.50%
NZ:RAD
Radius Residential Care Ltd
0.40
0.07
19.76%
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.