Liberty Financial Group Limited engages in the financial services business in Australia and New Zealand.
Liberty Financial Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$6.70|
|52 Week High||AU$6.60|
|52 Week Low||AU$8.35|
|1 Month Change||-2.90%|
|3 Month Change||-10.79%|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-4.29%|
Recent News & Updates
|LFG||AU Mortgage||AU Market|
Return vs Industry: Insufficient data to determine how LFG performed against the Australian Mortgage industry.
Return vs Market: Insufficient data to determine how LFG performed against the Australian Market.
Stable Share Price: LFG is less volatile than 75% of Australian stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: LFG's weekly volatility (4%) has been stable over the past year.
About the Company
Liberty Financial Group Limited engages in the financial services business in Australia and New Zealand. It operates in three segments: Residential Finance, Secured Finance, and Financial Services. The company offers residential and commercial mortgages, motor vehicle finance, personal loans, business loans, broking services, general insurance, and investment services.
Liberty Financial Group Fundamentals Summary
|LFG fundamental statistics|
Is LFG overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|LFG income statement (TTM)|
|Cost of Revenue||AU$0|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||0.61|
|Net Profit Margin||32.06%|
How did LFG perform over the long term?See historical performance and comparison
7.3%Current Dividend Yield
Is Liberty Financial Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: LFG (A$6.7) is trading below our estimate of fair value (A$8.85)
Significantly Below Fair Value: LFG is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: LFG is good value based on its PE Ratio (10.9x) compared to the Oceanic Mortgage industry average (14.3x).
PE vs Market: LFG is good value based on its PE Ratio (10.9x) compared to the Australian market (19x).
Price to Earnings Growth Ratio
PEG Ratio: LFG is poor value based on its PEG Ratio (1.5x)
Price to Book Ratio
PB vs Industry: LFG is overvalued based on its PB Ratio (1.9x) compared to the AU Mortgage industry average (0.9x).
How is Liberty Financial Group forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LFG's forecast earnings growth (7.2% per year) is above the savings rate (1.9%).
Earnings vs Market: LFG's earnings (7.2% per year) are forecast to grow slower than the Australian market (11.5% per year).
High Growth Earnings: LFG's earnings are forecast to grow, but not significantly.
Revenue vs Market: LFG's revenue (8.3% per year) is forecast to grow faster than the Australian market (5.1% per year).
High Growth Revenue: LFG's revenue (8.3% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: LFG's Return on Equity is forecast to be low in 3 years time (17.3%).
How has Liberty Financial Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LFG has high quality earnings.
Growing Profit Margin: LFG's current net profit margins (32.1%) are higher than last year (27.7%).
Past Earnings Growth Analysis
Earnings Trend: LFG's earnings have grown significantly by 41.3% per year over the past 5 years.
Accelerating Growth: LFG's earnings growth over the past year (37.9%) is below its 5-year average (41.3% per year).
Earnings vs Industry: LFG earnings growth over the past year (37.9%) exceeded the Mortgage industry 28.4%.
Return on Equity
High ROE: LFG's Return on Equity (17.9%) is considered low.
How is Liberty Financial Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: LFG's Assets to Equity ratio (13.1x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if LFG has a sufficient allowance for bad loans.
Low Risk Liabilities: LFG reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if LFG has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: LFG reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if LFG has an appropriate level of bad loans.
What is Liberty Financial Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LFG's dividend (7.28%) is higher than the bottom 25% of dividend payers in the Australian market (2.31%).
High Dividend: LFG's dividend (7.28%) is in the top 25% of dividend payers in the Australian market (5.45%)
Stability and Growth of Payments
Stable Dividend: Too early to tell whether LFG's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if LFG's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (39.8%), LFG's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: LFG's dividends in 3 years are forecast to be covered by earnings (57.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Liberty Financial Group has no CEO, or we have no data on them.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: LFG only recently listed within the past 12 months.
Liberty Financial Group Limited's employee growth, exchange listings and data sources
- Name: Liberty Financial Group Limited
- Ticker: LFG
- Exchange: ASX
- Founded: 1997
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: AU$2.034b
- Shares outstanding: 303.60m
- Website: https://www.liberty.com.au
Number of Employees
- Liberty Financial Group Limited
- 535 Bourke Street
- Level 16
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/25 08:05|
|End of Day Share Price||2021/09/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.