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Liberty Financial Group

Market Cap

AU$2.2b

Last Updated

2021/05/07 08:21 UTC

Data Sources

Company Financials +

Executive Summary

Liberty Financial Group Limited engages in the financial services business in Australia and New Zealand. More Details


Snowflake Analysis

Solid track record and slightly overvalued.


Similar Companies

Share Price & News

How has Liberty Financial Group's share price performed over time and what events caused price changes?


Latest Share Price and Events

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: Insufficient data to determine LFG's volatility change over the past year.


Market Performance


7 Day Return

3.8%

LFG

-1.2%

AU Mortgage

0.3%

AU Market


1 Year Return

n/a

LFG

38.3%

AU Mortgage

35.9%

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.


Shareholder returns

LFGIndustryMarket
7 Day3.8%-1.2%0.3%
30 Day-3.4%2.3%1.8%
90 Day-6.9%1.7%2.8%
1 Yearn/a40.5%38.3%39.9%35.9%
3 Yearn/a28.3%4.0%30.1%14.7%
5 Yearn/a49.8%-6.0%60.1%29.9%

Long-Term Price Volatility Vs. Market

How volatile is Liberty Financial Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Liberty Financial Group undervalued compared to its fair value and its price relative to the market?

18.0%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: LFG (A$7.43) is trading below our estimate of fair value (A$9.06)

Significantly Below Fair Value: LFG is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: LFG is poor value based on its PE Ratio (15.7x) compared to the AU Mortgage industry average (13.4x).

PE vs Market: LFG is good value based on its PE Ratio (15.7x) compared to the Australian market (20.6x).


Price to Earnings Growth Ratio

PEG Ratio: LFG is poor value based on its PEG Ratio (2.7x)


Price to Book Ratio

PB vs Industry: LFG is overvalued based on its PB Ratio (2.2x) compared to the AU Mortgage industry average (1x).


Future Growth

How is Liberty Financial Group forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

5.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: LFG's forecast earnings growth (5.9% per year) is above the savings rate (1.9%).

Earnings vs Market: LFG's earnings (5.9% per year) are forecast to grow slower than the Australian market (14% per year).

High Growth Earnings: LFG's earnings are forecast to grow, but not significantly.

Revenue vs Market: LFG's revenue (14.7% per year) is forecast to grow faster than the Australian market (5.3% per year).

High Growth Revenue: LFG's revenue (14.7% 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 (15%).


Past Performance

How has Liberty Financial Group performed over the past 5 years?

49.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: LFG has high quality earnings.

Growing Profit Margin: LFG's current net profit margins (26%) are higher than last year (17.9%).


Past Earnings Growth Analysis

Earnings Trend: LFG has become profitable over the past 5 years, growing earnings by 49.2% per year.

Accelerating Growth: LFG's earnings growth over the past year (79.5%) exceeds its 5-year average (49.2% per year).

Earnings vs Industry: LFG earnings growth over the past year (79.5%) exceeded the Mortgage industry 15.2%.


Return on Equity

High ROE: LFG's Return on Equity (14.2%) is considered low.


Financial Health

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


Balance Sheet


Financial Institutions Analysis

Asset Level: LFG's Assets to Equity ratio (13.4x) 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.


Dividend

What is Liberty Financial Group current dividend yield, its reliability and sustainability?

5.04%

Forecast Dividend Yield


Dividend Yield vs Market

Notable Dividend: Unable to evaluate LFG's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate LFG's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if LFG's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if LFG's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of LFG's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?


CEO

Liberty Financial Group has no CEO, or we have no data on them.


Ownership

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.


Ownership Breakdown

Dilution of Shares: LFG only recently listed within the past 12 months.


Top Shareholders

Company Information

Liberty Financial Group Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Liberty Financial Group Limited
  • Ticker: LFG
  • Exchange: ASX
  • Founded: 1997
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: AU$2.247b
  • Shares outstanding: 303.60m
  • Website: https://www.liberty.com.au

Number of Employees


Location

  • Liberty Financial Group Limited
  • 535 Bourke Street
  • Level 16
  • Melbourne
  • Victoria
  • 3000
  • Australia

Listings


Biography

Liberty Financial Group Limited engages in the financial services business in Australia and New Zealand. The company offers residential mortgages; motor finance, commercial finance, business financing, SMS...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/07 08:21
End of Day Share Price2021/05/07 00:00
Earnings2020/12/31
Annual Earnings2020/06/30


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.