LBY Stock Overview
Laybuy Group Holdings Limited provides consumer financing services in New Zealand, Australia, and the United Kingdom.
Laybuy Group Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AU$0.056|
|52 Week High||AU$0.56|
|52 Week Low||AU$0.034|
|1 Month Change||-18.84%|
|3 Month Change||12.00%|
|1 Year Change||-87.83%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-97.27%|
Recent News & Updates
|LBY||AU IT||AU Market|
Return vs Industry: LBY underperformed the Australian IT industry which returned -11.2% over the past year.
Return vs Market: LBY underperformed the Australian Market which returned -10.8% over the past year.
|LBY Average Weekly Movement||38.3%|
|IT Industry Average Movement||10.9%|
|Market Average Movement||9.4%|
|10% most volatile stocks in AU Market||16.5%|
|10% least volatile stocks in AU Market||4.2%|
Stable Share Price: LBY is more volatile than 90% of Australian stocks over the past 3 months, typically moving +/- 38% a week.
Volatility Over Time: LBY's weekly volatility has increased from 23% to 38% over the past year.
About the Company
Laybuy Group Holdings Limited provides consumer financing services in New Zealand, Australia, and the United Kingdom. It offers a line of credit products to customers in buy now, pay later model through an integrated payment platform. The company was founded in 2017 and is based in Auckland, New Zealand.
Laybuy Group Holdings Fundamentals Summary
|LBY fundamental statistics|
Is LBY overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|LBY income statement (TTM)|
|Cost of Revenue||NZ$17.85m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||-0.20|
|Net Profit Margin||-109.51%|
How did LBY perform over the long term?See historical performance and comparison
Is LBY undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Sales vs Peers
Price-To-Sales vs Industry
Price-To-Sales 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 LBY?
Other financial metrics that can be useful for relative valuation.
|What is LBY's n/a Ratio?|
Price to Sales Ratio vs Peers
How does LBY's PS Ratio compare to its peers?
|LBY PS Ratio vs Peers|
|Company||PS||Estimated Growth||Market Cap|
FTC FinTech Chain
CCA Change Financial
SPT Splitit Payments
LBY Laybuy Group Holdings
Price-To-Sales vs Peers: LBY is good value based on its Price-To-Sales Ratio (0.3x) compared to the peer average (3.2x).
Price to Earnings Ratio vs Industry
How does LBY's PE Ratio compare vs other companies in the AU IT Industry?
Price-To-Sales vs Industry: LBY is good value based on its Price-To-Sales Ratio (0.3x) compared to the Australian IT industry average (1.6x)
Price to Sales Ratio vs Fair Ratio
What is LBY'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.
|Current PS Ratio||0.3x|
|Fair PS Ratio||n/a|
Price-To-Sales vs Fair Ratio: Insufficient data to calculate LBY's Price-To-Sales Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of LBY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate LBY's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate LBY's fair value for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Laybuy Group Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Software industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Laybuy Group Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Take a look at our analysis of LBY’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
- Laybuy Group Holdings competitive advantages and company strategy can generally be found in its financial reports archived here.
How has Laybuy Group Holdings performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LBY is currently unprofitable.
Growing Profit Margin: LBY is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: LBY is unprofitable, and losses have increased over the past 5 years at a rate of 43.2% per year.
Accelerating Growth: Unable to compare LBY's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: LBY is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (9.1%).
Return on Equity
High ROE: LBY has a negative Return on Equity (-198.14%), as it is currently unprofitable.
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How is Laybuy Group Holdings's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: LBY's short term assets (NZ$59.2M) exceed its short term liabilities (NZ$34.9M).
Long Term Liabilities: LBY's short term assets (NZ$59.2M) exceed its long term liabilities (NZ$416.0K).
Debt to Equity History and Analysis
Debt Level: LBY's net debt to equity ratio (40.2%) is considered high.
Reducing Debt: Insufficient data to determine if LBY's debt to equity ratio has reduced over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: LBY has less than a year of cash runway based on its current free cash flow.
Forecast Cash Runway: LBY has less than a year of cash runway if free cash flow continues to reduce at historical rates of 41.2% each year
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What is Laybuy Group Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Cash Flow Coverage
Dividend Yield vs Market
|Laybuy Group Holdings Dividend Yield vs Market|
|Company (Laybuy Group Holdings)||n/a|
|Market Bottom 25% (AU)||2.8%|
|Market Top 25% (AU)||7.2%|
|Industry Average (IT)||2.5%|
|Analyst forecast in 3 Years (Laybuy Group Holdings)||n/a|
Notable Dividend: Unable to evaluate LBY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate LBY'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 LBY's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if LBY's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as LBY has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gary Rohloff (59 yo)
Mr. Gary Raymond Rohloff is Managing Director and CEO at Laybuy Group Holdings Limited since 2016 and has been its Director since June 16, 2020. Mr Rohloff co-founded the Laybuy business in 2016 and has se...
CEO Compensation Analysis
|Gary Rohloff's Compensation vs Laybuy Group Holdings Earnings|
|Date||Total Comp.||Salary||Company Earnings|
|Mar 31 2022||NZ$636k||NZ$515k|
|Dec 31 2021||n/a||n/a|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||n/a||n/a|
|Mar 31 2021||NZ$391k||NZ$360k|
|Dec 31 2020||n/a||n/a|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||n/a||n/a|
|Mar 31 2020||NZ$468k||n/a|
|Mar 31 2019||NZ$290k||n/a|
Compensation vs Market: Gary's total compensation ($USD360.41K) is above average for companies of similar size in the Australian market ($USD273.55K).
Compensation vs Earnings: Gary's compensation has increased whilst the company is unprofitable.
Experienced Management: LBY's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.
Experienced Board: LBY's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.
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
|01 Jun 22||SellAU$45,509||Bombora Investment Management Pty Ltd||Company||600,000||AU$0.076|
|15 Feb 22||SellAU$588,410||Perennial Value Management Limited||Company||4,949,230||AU$0.13|
|11 Feb 22||SellAU$517,749||Perennial Value Management Limited||Company||3,648,870||AU$0.15|
|09 Feb 22||SellAU$541,995||Perennial Value Management Limited||Company||3,622,307||AU$0.15|
|07 Feb 22||SellAU$3,771,356||Perennial Value Management Limited||Company||10,250,836||AU$0.37|
|10 Dec 21||BuyAU$12,000||Craig Styris||Individual||60,000||AU$0.20|
|10 Dec 21||BuyAU$26,250||Steven Fisher||Individual||150,000||AU$0.17|
|26 Nov 21||BuyAU$22,875||Craig Styris||Individual||75,000||AU$0.30|
|18 Oct 21||BuyAU$3,448,399||Perennial Value Management Limited||Company||7,575,864||AU$0.46|
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Laybuy Group Holdings Limited's employee growth, exchange listings and data sources
- Name: Laybuy Group Holdings Limited
- Ticker: LBY
- Exchange: ASX
- Founded: 2017
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: AU$14.368m
- Shares outstanding: 256.58m
- Website: https://www.laybuyinvestors.com
Number of Employees
- Laybuy Group Holdings Limited
- The B:HIVE
- Level 1
- New Zealand
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|LBY||ASX (Australian Securities Exchange)||Yes||Ordinary Shares||AU||AUD||Sep 2020|
|LBY||CHIA (Chi-X Australia)||Yes||Ordinary Shares||AU||AUD||Sep 2020|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/10/03 00:00|
|End of Day Share Price||2022/10/03 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.