Diversified Financials Australian Community

I firmly believe that for BNPL companies, you MUST modify the generic fundamental analysis principles of Profitability, Low Debt, P/E, EPS, etc, in order to receive a more accurate company valuation. You have to view BNPL companies as Short term lenders + Payment companies, so your metrics for valuations would look more into Tranaction margin & Net Credit Loss Rate to loan book value, similarly to other lenders / banks.Read more

Contrarian India Bet vs. AI Skepticism : GQG Partners manages $166 billion in assets but has made a controversial strategic wager—maintaining over $24 billion in Indian investments (14% of AUM) while deliberately avoiding AI stocks.Read more

Credit Corp Group Limited ASX: CCP Market Cap: AU$923.0m Weighted Average Number of Shares: 80.37m The Business CCP’s main business is acquiring portfolios of bad debts from financial institutions and collecting on them for profit. As the original lenders write off these debts, the portfolios are generally bought at a discount.Read more

Key Growth Estimates by Sector: Highest Growth Potential (2025-2026): Data Centers : Capacity doubling over 5 years (~20% annually) Build-to-Rent : Pipeline suggests 10x growth potential from current base Moderate Growth: Retail : Steady positive returns expected, supported by demographics Industrial : Stable 3-5% returns with supply-demand rebalancing Recovery Phase: Office : Negative to positive transition, quality assets leading The market has made a "U-turn" with improving economic conditions (interest rate cuts starting, stable employment, controlled inflation) providing a supportive environment for commercial property recovery across all sectors through 2025-2026. • Improved financial conditions have resulted in more transactions and this will likely continue next year with the anticipated rate cuts.Read more

Bad press is a problem for any company, and bad press involving misleading statements and compliance failures even more so. On 3 October 2025, Fiducian Group Ltd (ASX:FID) announced that ASIC had commenced civil proceedings against one of its subsidiaries, Fiducian Investment Management Services Ltd (FIMS).Read more

GQG Partners is a funds management business that has recorded strong earnings growth over the past year, with EPS rising from US$0.095 to US$0.14. Since 2023 it has grown its funds under management from US$106 billion to US$143 billion, while return on equity sits near 80 per cent.Read more

Credit crunch as AI fervor draws high, capital flows to USA in near term, OFX fails to capitalise and innovate owing to infighting in executive team, equity payments instead of direct payments taking money from shareholders over time through buybacks, and other direct transfers from the executives. Although I believe both the CFO and PHC are well suited to their roles, the lack of investment into development and people, as well as high rates of tool and company acquisition have led to massive friction and internal loss.Read more

Key Takeaways Expansion into illiquid alternatives and real assets increases vulnerability to regulatory pressures, higher funding costs, and intensifying competition, which could compress margins and slow growth. Rising fintech disruption and liquidity risks may undermine recurring fee revenue and challenge the sustainability of future earnings and asset growth.Read more

Key Takeaways Loss of major clients and government policy changes will sharply shrink Helia's core market and pressure future revenue growth. Heavy capital returns risk undermining strategic reinvestment, threatening competitive positioning and future profitability.Read more