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LBY

Laybuy Group Holdings ASX:LBY Stock Report

Last Price

AU$0.056

Market Cap

AU$14.4m

7D

-5.1%

1Y

-87.8%

Updated

03 Oct, 2022

Data

Company Financials
LBY fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance0/6
Financial Health2/6
Dividends0/6

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

Summary of all time highs, changes and price drops for Laybuy Group Holdings
Historical stock prices
Current Share PriceAU$0.056
52 Week HighAU$0.56
52 Week LowAU$0.034
Beta3.2
1 Month Change-18.84%
3 Month Change12.00%
1 Year Change-87.83%
3 Year Changen/a
5 Year Changen/a
Change since IPO-97.27%

Recent News & Updates

Shareholder Returns

LBYAU ITAU Market
7D-5.1%-1.9%-0.7%
1Y-87.8%-10.3%-11.7%

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.

Price Volatility

Is LBY's price volatile compared to industry and market?
LBY volatility
LBY Average Weekly Movement38.3%
IT Industry Average Movement10.9%
Market Average Movement9.4%
10% most volatile stocks in AU Market16.5%
10% least volatile stocks in AU Market4.2%

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

FoundedEmployeesCEOWebsite
201784Gary Rohloffhttps://www.laybuyinvestors.com

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

How do Laybuy Group Holdings's earnings and revenue compare to its market cap?
LBY fundamental statistics
Market CapAU$14.37m
Earnings (TTM)-AU$45.37m
Revenue (TTM)AU$41.43m

0.3x

P/S Ratio

-0.3x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
LBY income statement (TTM)
RevenueNZ$47.10m
Cost of RevenueNZ$17.85m
Gross ProfitNZ$29.25m
Other ExpensesNZ$80.83m
Earnings-NZ$51.58m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)-0.20
Gross Margin62.10%
Net Profit Margin-109.51%
Debt/Equity Ratio86.6%

How did LBY perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

2/6

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

  • Analyst Forecast

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.

LBY key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.6x
Enterprise Value/EBITDA-0.9x
PEG Ration/a

Price to Sales Ratio vs Peers

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

LBY PS Ratio vs Peers
The above table shows the PS ratio for LBY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPSEstimated GrowthMarket Cap
Peer Average3.2x
WRK Wrkr
4.8xn/aAU$22.0m
FTC FinTech Chain
1.2xn/aAU$16.3m
CCA Change Financial
2.2xn/aAU$28.2m
SPT Splitit Payments
4.5x80.2%AU$74.5m
LBY Laybuy Group Holdings
0.3xn/aAU$14.4m

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.

LBY PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.3x
Fair PS Ration/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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Future Growth

How is Laybuy Group Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


27.0%

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.


Discover growth companies

  • 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.

Past Performance

How has Laybuy Group Holdings performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-43.2%

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.


Discover strong past performing companies

Financial Health

How is Laybuy Group Holdings's financial position?

Financial Health Score

2/6

Financial Health Score 2/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • 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.


Balance Sheet


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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Dividend

What is Laybuy Group Holdings's current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage

Dividend Yield vs Market

Laybuy Group Holdings Dividend Yield vs Market
How does Laybuy Group Holdings dividend yield compare to the market?
SegmentDividend Yield
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.


Discover strong dividend paying companies

Management

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

0.8yrs

Average management tenure


CEO

Gary Rohloff (59 yo)

2.33yrs

Tenure

NZ$636,091

Compensation

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
How has Gary Rohloff's remuneration changed compared to Laybuy Group Holdings's earnings?
DateTotal Comp.SalaryCompany Earnings
Mar 31 2022NZ$636kNZ$515k

-NZ$52m

Dec 31 2021n/an/a

-NZ$45m

Sep 30 2021n/an/a

-NZ$37m

Jun 30 2021n/an/a

-NZ$39m

Mar 31 2021NZ$391kNZ$360k

-NZ$41m

Dec 31 2020n/an/a

-NZ$39m

Sep 30 2020n/an/a

-NZ$37m

Jun 30 2020n/an/a

-NZ$27m

Mar 31 2020NZ$468kn/a

-NZ$16m

Mar 31 2019NZ$290kn/a

-NZ$4m

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.


Leadership Team

Experienced Management: LBY's management team is not considered experienced ( 0.8 years average tenure), which suggests a new team.


Board Members

Experienced Board: LBY's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.


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.


Recent Insider Transactions

ASX:LBY Recent Insider Transactions by Companies or Individuals
DateValueNameEntityRoleSharesMax Price
01 Jun 22SellAU$45,509Bombora Investment Management Pty LtdCompany600,000AU$0.076
15 Feb 22SellAU$588,410Perennial Value Management LimitedCompany4,949,230AU$0.13
11 Feb 22SellAU$517,749Perennial Value Management LimitedCompany3,648,870AU$0.15
09 Feb 22SellAU$541,995Perennial Value Management LimitedCompany3,622,307AU$0.15
07 Feb 22SellAU$3,771,356Perennial Value Management LimitedCompany10,250,836AU$0.37
10 Dec 21BuyAU$12,000Craig StyrisIndividual60,000AU$0.20
10 Dec 21BuyAU$26,250Steven FisherIndividual150,000AU$0.17
26 Nov 21BuyAU$22,875Craig StyrisIndividual75,000AU$0.30
18 Oct 21BuyAU$3,448,399Perennial Value Management LimitedCompany7,575,864AU$0.46

Ownership Breakdown

What is the ownership structure of LBY?
Owner TypeNumber of SharesOwnership Percentage
Public Companies00%
Private Companies10,893,8744.2%
Institutions25,585,03810.0%
VC/PE Firms44,450,67517.3%
Individual Insiders73,150,55428.5%
General Public102,500,05339.9%

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Top 18 shareholders own 60.05% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
17.32%
Pioneer Capital Partners
44,450,675NZ$2.5m0%100%
10.05%
Robyn Rohloff
25,786,739NZ$1.4m0%no data
10.03%
Gary Rohloff
25,744,681NZ$1.4m0%no data
4.79%
Bombora Investment Management Pty Ltd
12,300,000NZ$688.8k-4.65%no data
4.2%
Perennial Value Management Limited
10,775,943NZ$603.5k0%0.08%
2.45%
David Wilson
6,278,174NZ$351.6k0%no data
2.45%
Nicola Wilson
6,278,174NZ$351.6k0%no data
2.34%
Tomanovic Multiown Pty Ltd
6,000,000NZ$336.0k0%no data
1.91%
Rudie Sypkes Family Trust
4,893,874NZ$274.1k0%no data
1.03%
Xiaojun Liu
2,650,000NZ$148.4k0%no data
0.98%
Superhero Markets Pty Ltd, Asset Management arrm
2,509,095NZ$140.5k0%no data
0.88%
Peter Joseph
2,266,939NZ$126.9k0%no data
0.52%
Feng Lin Li
1,341,437NZ$75.1k0%no data
0.5%
Haojie Li
1,280,324NZ$71.7k0%no data
0.41%
Bun Ly Hong
1,045,559NZ$58.6k0%no data
0.088%
Steven Fisher
225,000NZ$12.6k0%no data
0.085%
Craig Styris
218,066NZ$12.2k0%no data
0.014%
Mark Haberlin
35,461NZ$2.0k0%no data

Company Information

Laybuy Group Holdings Limited's employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Laybuy Group Holdings Limited
  • The B:HIVE
  • Level 1
  • Auckland
  • 622
  • New Zealand


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
LBYASX (Australian Securities Exchange)YesOrdinary SharesAUAUDSep 2020
LBYCHIA (Chi-X Australia)YesOrdinary SharesAUAUDSep 2020

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/10/03 00:00
End of Day Share Price2022/10/03 00:00
Earnings2022/03/31
Annual Earnings2022/03/31


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.