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Liberty Financial Group Limited (LFG.AX)

AUD3.29 +0.04 (+1.23%)
AU ASX Financial Services Financial - Credit Services
Address 535 Bourke Street 3000
Melbourne, VIC, AU
CEO James Boyle
IPO 2020-12-14
ISIN AU0000121634

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Description

Liberty Financial Group Limited, founded in 1997 and headquartered in Melbourne, Australia, provides a comprehensive suite of financial services across both Australia and New Zealand. The company's operations are categorized into three primary divisions: Residential Finance, Secured Finance, and Financial Services. Its extensive offerings include a diverse range of lending solutions, such as home and commercial property mortgages, vehicle financing, secured and unsecured personal loans, specialized funding for small to medium-sized enterprises (SMEs), and loans for self-managed superannuation funds. Beyond direct lending, Liberty also offers various ancillary services, including mortgage and insurance brokerage, life and general insurance products, underwriting, real estate services, receivables management, and fund administration. Liberty Financial Group Limited is a subsidiary of Vesta Funding BV.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
AUD3.29 +0.04 (+1.23%)
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Volume Profile
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Liquidity & share structure
Average Volume
77.9K
Beta
0.43
Float Shares
60.70M
Free Float %
20.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.96% -1.88% -5.71% -18.23% -26.29% -24.15% +0.96% -17.37% -57.68% -55.14% -55.14%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
3.29
DCF (Unlevered) 26.70 +711.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 67% Bullish
Rating 2026-05 Change
Strong Buy 2 +1
Buy 2 0
Hold 2 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.33
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Financial - Credit Services: +13.2%
    -58.7% Q4'25: -1.1% (vs Q4'23)
  • EPS growth Financial - Credit Services: +24.0%
    +15.8% Q4'25: +31.6% (vs Q4'23)
  • FCF margin FCF growth · Financial - Credit Services: +70.9%
    +172.5% Q4'25: +6.1% (vs Q4'23)
  • EBIT margin Financial - Credit Services: +28.7%
    +177.5% Q4'25: +68.9% (vs Q4'23)
  • ROIC Financial - Credit Services: +5.0%
    +6.7% Q4'25: +11.8% (vs Q4'23)
  • Share dilution Financial - Credit Services: +0.0%
    +0.1% Q4'25: +0.0% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×
    13.47× Q4'25: 7.39× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.45) × ERP
WACC = 6% × Ke + 94% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 26.70 Current price: 3.29
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jun 2021
actual
Jun 2022
actual
Jun 2023
actual
Jun 2024
actual
Jun 2025
actual
Jun 2026
3 Rev. Ana.
3 EPS Ana.
Jun 2027
3 Rev. Ana.
3 EPS Ana.
Jun 2028
3 Rev. Ana.
2 EPS Ana.
Jun 2029
1 Rev. Ana.
1 EPS Ana.
Revenue
852.97M
est: 676.09M (+26.2%)
868.94M
est: 737.12M (+17.9%)
1.23B
est: 1.23B (0.0%)
1.46B
est: 593.00M (+146.5%)
604.51M
est: 610.96M (-1.1%)
630.26M
624.47M – 633.41M
+3.2% YoY
678.63M
659.91M – 706.98M
+7.7% YoY
1.03B
1.01B – 1.05B
+51.5% YoY
627.03M
615.30M – 642.11M
-39.0% YoY
EBITDA
510.11M
est: 522.48M (-2.4%)
731.14M
est: 569.64M (+28.4%)
859.42M
est: 952.60M (-9.8%)
1.06B
est: 458.27M (+132.0%)
1.09B
est: 472.15M (+131.3%)
487.06M
482.59M – 489.50M
+3.2% YoY
524.44M
509.97M – 546.35M
+7.7% YoY
794.77M
779.89M – 813.88M
+51.5% YoY
484.57M
475.50M – 496.22M
-39.0% YoY
EBIT
492.27M
est: 512.95M (-4.0%)
713.43M
est: 559.25M (+27.6%)
840.24M
est: 935.23M (-10.2%)
1.04B
est: 449.91M (+132.0%)
1.07B
est: 463.54M (+131.4%)
478.18M
473.79M – 480.57M
+3.2% YoY
514.88M
500.67M – 536.39M
+7.7% YoY
780.28M
765.67M – 799.04M
+51.5% YoY
475.73M
466.83M – 487.17M
-39.0% YoY
Net Income
185.92M
est: 208.28M (-10.7%)
219.63M
est: 228.21M (-3.8%)
181.52M
est: 187.32M (-3.1%)
115.81M
est: 140.25M (-17.4%)
133.97M
est: 140.31M (-4.5%)
155.40M
149.45M – 157.52M
+10.8% YoY
171.11M
157.40M – 194.84M
+10.1% YoY
192.91M
183.56M – 202.17M
+12.7% YoY
220.65M
215.28M – 227.54M
+14.4% YoY
SGA
98.33M
est: 70.53M (+39.4%)
87.34M
est: 76.90M (+13.6%)
96.35M
est: 128.60M (-25.1%)
97.49M
est: 61.86M (+57.6%)
97.30M
est: 63.74M (+52.7%)
65.75M
65.15M – 66.08M
+3.2% YoY
70.80M
68.84M – 73.75M
+7.7% YoY
107.29M
105.28M – 109.87M
+51.5% YoY
65.41M
64.19M – 66.99M
-39.0% YoY
EPS
0.61
est: 0.68 (-10.5%)
0.72
est: 0.75 (-3.6%)
0.60
est: 0.61 (-1.9%)
0.38
est: 0.46 (-17.2%)
0.44
est: 0.46 (-5.1%)
0.50
0.49 – 0.52
+8.6% YoY
0.56
0.52 – 0.64
+11.2% YoY
0.63
0.60 – 0.66
+12.7% YoY
0.72
0.70 – 0.74
+14.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-28 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-27 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-26 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-25 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-22 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-21 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-20 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-19 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-18 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-15 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-14 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-13 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-12 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-11 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-08 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-07 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-06 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-05-05 B 3/5 3/5 4/5 3/5 1/5 3/5 3/5
2026-05-04 B 3/5 3/5 4/5 3/5 1/5 3/5 3/5
2026-05-01 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-04-30 B+ 3/5 4/5 4/5 3/5 1/5 3/5 3/5
2026-04-29 A- 4/5 4/5 4/5 4/5 1/5 4/5 3/5
2026-04-28 A- 4/5 4/5 4/5 4/5 1/5 4/5 3/5
2026-04-27 A- 4/5 4/5 4/5 4/5 1/5 4/5 3/5
2026-04-24 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5
2026-04-23 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5
2026-04-22 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5
2026-04-21 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5
2026-04-20 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5
2026-04-17 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5
2026-04-16 B+ 3/5 4/5 4/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-380.98M
OE per share TTM
-1.25
Owner's Yield
-39.96%
Maintenance CapEx ratio
5.23%
Maint CapEx / Avg PPE
2.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
2.03M
Shares Outstanding
303.60M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
James Boyle Chief Executive Officer & Executive Director 1M male
Peter William Riedel Chief Financial Officer & Director 1M male
Sherman Ma Executive Director 495.3K male
Matthew Ryan General Counsel & Company Secretary male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits