Latitude Group Holdings Limited

ASX:LFS Stock Report

Market Cap: AU$1.2b

Latitude Group Holdings Valuation

Is LFS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of LFS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: LFS (A$1.15) is trading above our estimate of fair value (A$0.42)

Significantly Below Fair Value: LFS is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for LFS?

Key metric: As LFS is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for LFS. This is calculated by dividing LFS's market cap by their current revenue.
What is LFS's PS Ratio?
PS Ratio2.8x
SalesAU$423.10m
Market CapAU$1.20b

Price to Sales Ratio vs Peers

How does LFS's PS Ratio compare to its peers?

The above table shows the PS ratio for LFS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average2.4x
CCP Credit Corp Group
2.9x9.3%AU$1.1b
FPR FleetPartners Group
0.8x4.5%AU$646.3m
HUM Humm Group
1.4x15.0%AU$329.1m
ZIP Zip Co
4.4x5.7%AU$3.8b
LFS Latitude Group Holdings
2.8x22.9%AU$1.2b

Price-To-Sales vs Peers: LFS is expensive based on its Price-To-Sales Ratio (2.8x) compared to the peer average (2.4x).

Price to Sales Ratio vs Industry

How does LFS's PS Ratio compare vs other companies in the AU Consumer Finance Industry?

3 CompaniesPrice / SalesEstimated GrowthMarket Cap
CLH Collection House
0.2xn/aUS$6.30m
LBY Laybuy Group Holdings
0.2xn/aUS$5.65m
PYR Navalo Financial Services Group
0.2xn/aUS$2.65m
No more companies available in this PS range
LFS 2.8xIndustry Avg. 2.5xNo. of Companies4PS012345+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: LFS is expensive based on its Price-To-Sales Ratio (2.8x) compared to the Global Consumer Finance industry average (2.5x).

Price to Sales Ratio vs Fair Ratio

What is LFS's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

LFS PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio2.8x
Fair PS Ratio5.2x

Price-To-Sales vs Fair Ratio: LFS is good value based on its Price-To-Sales Ratio (2.8x) compared to the estimated Fair Price-To-Sales Ratio (5.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst LFS forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentAU$1.15
AU$1.03
-10.1%
8.2%AU$1.15AU$0.95n/a3
Dec ’25AU$1.15
AU$0.98
-14.5%
12.7%AU$1.15AU$0.85n/a3
Nov ’25AU$1.16
AU$0.98
-14.9%
12.7%AU$1.15AU$0.85n/a3
Oct ’25AU$1.17
AU$0.98
-15.6%
12.7%AU$1.15AU$0.85n/a3
Sep ’25AU$1.16
AU$0.99
-14.7%
12.5%AU$1.15AU$0.85n/a3
Aug ’25AU$1.17
AU$0.99
-15.4%
12.5%AU$1.15AU$0.85n/a3
Jul ’25AU$1.15
AU$0.99
-13.9%
12.5%AU$1.15AU$0.85n/a3
Jun ’25AU$1.16
AU$0.99
-14.7%
12.5%AU$1.15AU$0.85n/a3
May ’25AU$1.16
AU$0.99
-14.7%
12.5%AU$1.15AU$0.85n/a3
Apr ’25AU$1.17
AU$0.99
-15.0%
12.5%AU$1.15AU$0.85n/a3
Mar ’25AU$1.15
AU$0.99
-13.9%
12.5%AU$1.15AU$0.85n/a3
Feb ’25AU$1.17
AU$0.93
-20.2%
6.3%AU$0.99AU$0.85n/a3
Jan ’25AU$1.17
AU$0.93
-20.2%
6.3%AU$0.99AU$0.85n/a3
Dec ’24AU$1.17
AU$0.99
-15.0%
9.9%AU$1.10AU$0.85AU$1.154
Nov ’24AU$1.18
AU$0.99
-15.9%
8.8%AU$1.10AU$0.85AU$1.165
Oct ’24AU$1.18
AU$0.99
-15.9%
8.8%AU$1.10AU$0.85AU$1.175
Sep ’24AU$1.19
AU$0.99
-16.6%
8.8%AU$1.10AU$0.85AU$1.165
Aug ’24AU$1.19
AU$0.95
-20.2%
3.3%AU$1.00AU$0.90AU$1.175
Jul ’24AU$1.22
AU$0.97
-20.2%
7.0%AU$1.10AU$0.90AU$1.155
Jun ’24AU$1.25
AU$0.97
-22.4%
7.0%AU$1.10AU$0.90AU$1.165
May ’24AU$1.29
AU$1.09
-15.5%
7.9%AU$1.20AU$0.95AU$1.165
Apr ’24AU$1.20
AU$1.14
-5.0%
10.9%AU$1.30AU$0.95AU$1.175
Mar ’24AU$1.14
AU$1.38
+21.7%
29.9%AU$2.29AU$1.05AU$1.156
Feb ’24AU$1.46
AU$1.64
+12.3%
31.0%AU$2.40AU$1.10AU$1.176
Jan ’24AU$1.31
AU$1.69
+29.3%
32.2%AU$2.40AU$1.10AU$1.175
Dec ’23AU$1.31
AU$1.77
+35.3%
32.6%AU$2.40AU$1.10AU$1.174

Analyst Forecast: Target price is lower than the current share price.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/25 23:44
End of Day Share Price 2024/12/24 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Latitude Group Holdings Limited is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Russell WrightBarclay Pearce Capital Pty Limited
Jonathan MannesBofA Global Research
Lara TufegdzicBofA Global Research