FlexiGroup Limited provides various financial services in Australia, New Zealand, and Ireland. More Details
High growth potential and slightly overvalued.
Share Price & News
How has FlexiGroup's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FXL has not had significant price volatility in the past 3 months.
7 Day Return
AU Consumer Finance
1 Year Return
AU Consumer Finance
Return vs Industry: FXL underperformed the Australian Consumer Finance industry which returned -1.8% over the past year.
Return vs Market: FXL underperformed the Australian Market which returned -6.2% over the past year.
Price Volatility Vs. Market
How volatile is FlexiGroup's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall StWhat Type Of Returns Would FlexiGroup's(ASX:FXL) Shareholders Have Earned If They Purchased Their SharesFive Years Ago?
1 month ago | Simply Wall StAndrew Abercrombie Is The Chairman of FlexiGroup Limited (ASX:FXL) And They Just Picked Up 7.2% More Shares
1 month ago | Simply Wall StHere's What FlexiGroup Limited's (ASX:FXL) Shareholder Ownership Structure Looks Like
Is FlexiGroup undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: FXL (A$1.13) is trading above our estimate of fair value (A$0.6)
Significantly Below Fair Value: FXL is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: FXL's PE Ratio (23.1x) is in line with the AU Consumer Finance industry average.
PE vs Market: FXL is poor value based on its PE Ratio (23.1x) compared to the Australian market (21.4x).
Price to Earnings Growth Ratio
PEG Ratio: FXL is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: FXL is good value based on its PB Ratio (0.8x) compared to the AU Consumer Finance industry average (2.3x).
How is FlexiGroup forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FXL's forecast earnings growth (37.9% per year) is above the savings rate (2.3%).
Earnings vs Market: FXL's earnings (37.9% per year) are forecast to grow faster than the Australian market (17.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: FXL's revenue (23.4% per year) is forecast to grow faster than the Australian market (4.6% per year).
High Growth Revenue: FXL's revenue (23.4% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FXL's Return on Equity is forecast to be low in 3 years time (9.7%).
How has FlexiGroup performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FXL has high quality earnings.
Growing Profit Margin: FXL's current net profit margins (8.9%) are lower than last year (21.4%).
Past Earnings Growth Analysis
Earnings Trend: FXL's earnings have declined by 14.1% per year over the past 5 years.
Accelerating Growth: FXL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: FXL had negative earnings growth (-68%) over the past year, making it difficult to compare to the Consumer Finance industry average (-5.1%).
Return on Equity
High ROE: FXL's Return on Equity (3.6%) is considered low.
How is FlexiGroup's financial position?
Financial Position Analysis
Short Term Liabilities: FXL's short term assets (A$2.6B) exceed its short term liabilities (A$1.3B).
Long Term Liabilities: FXL's short term assets (A$2.6B) exceed its long term liabilities (A$1.1B).
Debt to Equity History and Analysis
Debt Level: FXL's debt to equity ratio (397.8%) is considered high.
Reducing Debt: FXL's debt to equity ratio has increased from 308.9% to 397.8% over the past 5 years.
Debt Coverage: FXL's debt is not well covered by operating cash flow (8.4%).
Interest Coverage: Insufficient data to determine if FXL's interest payments on its debt are well covered by EBIT.
What is FlexiGroup current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FXL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FXL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FXL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FXL's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: FXL is not paying a notable dividend for the Australian market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of FXL's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ms. Rebecca James has been the Chief Executive Officer of FlexiGroup Ltd. since October 2, 2018. She served as the Chief Marketing & Enterprise Officer of Prospa Group Limited. Ms. James joined Prospa in 2 ...
CEO Compensation Analysis
Compensation vs Market: Rebecca's total compensation ($USD664.48K) is about average for companies of similar size in the Australian market ($USD694.18K).
Compensation vs Earnings: Rebecca's compensation has been consistent with company performance over the past year.
|Chief Executive Officer||2yrs||AU$934.53k||no data|
|Deputy Group CEO & New Zealand CEO||1.25yrs||AU$592.23k||no data|
|Chief Financial Officer||0.25yr||no data||no data|
|Chief Operations & Information Officer||no data||no data||no data|
|Group General Counsel and Group Head of Operational Risk & Compliance||7.08yrs||no data||no data|
|Chief People & Culture Officer||1.42yrs||no data||no data|
|Head of Consumer Sales – Major Accounts||no data||AU$349.02k||no data|
|Group Head of Product & Innovation||no data||no data||no data|
|Chief Revenue Officer||1.5yrs||AU$494.15k||no data|
|Chief Credit Officer||2.08yrs||no data||no data|
|Chief Product Officer||no data||no data||no data|
|Company Secretary||1.92yrs||no data||no data|
Experienced Management: FXL's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.
|Independent Non Executive Director||14.25yrs||AU$164.73k||0.075% |
|Independent Deputy Chair of the Board||2.17yrs||AU$214.55k||0.039% |
|Non Executive Director||1.58yrs||AU$125.40k||4.88% |
|Independent Non-Executive Director||3.83yrs||AU$155.22k||0.017% |
|Independent Non-Executive Director||2.42yrs||AU$155.22k||0.022% |
Experienced Board: FXL's board of directors are considered experienced (3.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: FXL insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 25.6%.
FlexiGroup Limited's company bio, employee growth, exchange listings and data sources
- Name: FlexiGroup Limited
- Ticker: FXL
- Exchange: ASX
- Founded: 1988
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: AU$559.589m
- Shares outstanding: 495.21m
- Website: https://www.flexigroup.com.au
- FlexiGroup Limited
- 179 Elizabeth Street
- Level 7
- New South Wales
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FXL||ASX (Australian Securities Exchange)||Yes||Ordinary Shares||AU||AUD||Dec 2006|
|F5L||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Dec 2006|
|FXL||CHIA (Chi-X Australia)||Yes||Ordinary Shares||AU||AUD||Dec 2006|
FlexiGroup Limited provides various financial services in Australia, New Zealand, and Ireland. It operates through four segments: Buy Now Pay Later, New Zealand Cards, Australia Cards, and Commercial Leasi ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/10/23 10:41|
|End of Day Share Price||2020/10/23 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.