LFS Stock Overview
Latitude Group Holdings Limited operates in instalments and lending business in Australia and New Zealand.
Latitude Group Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$1.25|
|52 Week High||AU$2.50|
|52 Week Low||AU$1.06|
|1 Month Change||-30.94%|
|3 Month Change||-32.07%|
|1 Year Change||-47.92%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-53.70%|
Recent News & Updates
|LFS||AU Consumer Finance||AU Market|
Return vs Industry: LFS exceeded the Australian Consumer Finance industry which returned -59.1% over the past year.
Return vs Market: LFS underperformed the Australian Market which returned -12% over the past year.
|LFS Average Weekly Movement||8.1%|
|Consumer Finance Industry Average Movement||8.2%|
|Market Average Movement||9.9%|
|10% most volatile stocks in AU Market||16.5%|
|10% least volatile stocks in AU Market||4.4%|
Stable Share Price: LFS is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: LFS's weekly volatility (8%) has been stable over the past year.
About the Company
Latitude Group Holdings Limited operates in instalments and lending business in Australia and New Zealand. It provides various installment products to support customers, the merchants, and other commercial partners. The company also offers lending products comprising credit cards, personal loans, and motor loans through commercial partners, as well as various channels, such as direct, online, and by phone.
Latitude Group Holdings Fundamentals Summary
|LFS fundamental statistics|
Is LFS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|LFS income statement (TTM)|
|Cost of Revenue||AU$0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.15|
|Net Profit Margin||22.99%|
How did LFS perform over the long term?See historical performance and comparison
12.6%Current Dividend Yield
Is LFS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for LFS?
Other financial metrics that can be useful for relative valuation.
|What is LFS's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does LFS's PE Ratio compare to its peers?
|LFS PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
CCP Credit Corp Group
ECX Eclipx Group
FSA FSA Group
LFS Latitude Group Holdings
Price-To-Earnings vs Peers: LFS is good value based on its Price-To-Earnings Ratio (8.6x) compared to the peer average (9.7x).
Price to Earnings Ratio vs Industry
How does LFS's PE Ratio compare vs other companies in the Global Consumer Finance Industry?
Price-To-Earnings vs Industry: LFS is good value based on its Price-To-Earnings Ratio (8.6x) compared to the Global Consumer Finance industry average (12x)
Price to Earnings Ratio vs Fair Ratio
What is LFS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||8.1x|
|Fair PE Ratio||17.1x|
Price-To-Earnings vs Fair Ratio: LFS is good value based on its Price-To-Earnings Ratio (8.6x) compared to the estimated Fair Price-To-Earnings Ratio (17.1x).
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$1.33) is trading above our estimate of fair value (A$0.43)
Significantly Below Fair Value: LFS is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: LFS is poor value based on its PEG Ratio (1x)
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How is Latitude Group Holdings forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LFS's forecast earnings growth (8.3% per year) is above the savings rate (1.8%).
Earnings vs Market: LFS's earnings (8.3% per year) are forecast to grow faster than the Australian market (5.6% per year).
High Growth Earnings: LFS's earnings are forecast to grow, but not significantly.
Revenue vs Market: LFS's revenue (10.9% per year) is forecast to grow faster than the Australian market (5.1% per year).
High Growth Revenue: LFS's revenue (10.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: LFS's Return on Equity is forecast to be low in 3 years time (14.5%).
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How has Latitude Group Holdings performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LFS has high quality earnings.
Growing Profit Margin: LFS's current net profit margins (23%) are higher than last year (7.6%).
Past Earnings Growth Analysis
Earnings Trend: LFS's earnings have grown significantly by 38.5% per year over the past 5 years.
Accelerating Growth: LFS's earnings growth over the past year (244.5%) exceeds its 5-year average (38.5% per year).
Earnings vs Industry: LFS earnings growth over the past year (244.5%) exceeded the Consumer Finance industry 81.3%.
Return on Equity
High ROE: LFS's Return on Equity (10.2%) is considered low.
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How is Latitude Group Holdings's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: LFS's short term assets (A$6.6B) exceed its short term liabilities (A$1.3B).
Long Term Liabilities: LFS's short term assets (A$6.6B) exceed its long term liabilities (A$5.1B).
Debt to Equity History and Analysis
Debt Level: LFS's net debt to equity ratio (336.8%) is considered high.
Reducing Debt: Insufficient data to determine if LFS's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: LFS's debt is not well covered by operating cash flow (7.3%).
Interest Coverage: Insufficient data to determine if LFS's interest payments on its debt are well covered by EBIT.
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What is Latitude Group Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LFS's dividend (11.8%) is higher than the bottom 25% of dividend payers in the Australian market (2.75%).
High Dividend: LFS's dividend (11.8%) is in the top 25% of dividend payers in the Australian market (6.87%)
Stability and Growth of Payments
Stable Dividend: Too early to tell whether LFS's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if LFS's dividend payments are increasing as they only just started paying a dividend.
Earnings Payout to Shareholders
Earnings Coverage: At its current payout ratio (88%), LFS's payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonably low cash payout ratio (46.9%), LFS's dividend payments are well covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
A. Fahour (55 yo)
Mr. Ahmed Fahour, BEc (Hons), MBA, FAIM, is a Director at Latitude Group Holdings Limited and has been its Managing Director and Chief Executive Officer since October, 2018. He has been Managing Director a...
CEO Compensation Analysis
Compensation vs Market: A.'s total compensation ($USD2.55M) is above average for companies of similar size in the Australian market ($USD1.04M).
Compensation vs Earnings: A.'s compensation has been consistent with company performance over the past year.
Experienced Management: LFS's management team is considered experienced (3.8 years average tenure).
Experienced Board: LFS's board of directors are considered experienced (5.3 years average tenure).
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.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.8%.
Latitude Group Holdings Limited's employee growth, exchange listings and data sources
- Name: Latitude Group Holdings Limited
- Ticker: LFS
- Exchange: ASX
- Founded: 2015
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: AU$1.298b
- Shares outstanding: 1.04b
- Website: https://www.latitudefinancial.com.au
- Latitude Group Holdings Limited
- 800 Collins Street
- Level 4
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/04 00:00|
|End of Day Share Price||2022/07/01 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.