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NobleOak Life Limited (NOL.AX)

AUD1.19 -0.01 (-0.42%)
AU ASX Financial Services Insurance - Life
Address 44 Market Street 2000
Sydney, NSW, AU
CEO Anthony R. Brown
IPO 2021-07-22
ISIN AU0000161580

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Description

NobleOak Life Limited engages in underwriting life insurance products in Australia. It offers life, income protection, total and permanent disability, death, trauma, business expenses, and self-managed super fund insurance plans. The company sells its insurance products through direct-to-market and strategic partner channels. The company was formerly known as United Ancient Order of Druids Friendly Society of NSW and changed its name to NobleOak Life Limited in 2011. NobleOak Life Limited was founded in 1861 and is headquartered in Sydney, Australia.

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
AUD1.19 -0.01 (-0.42%)
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Volume Profile
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Liquidity & share structure
Average Volume
25.4K
Beta
0.11
Float Shares
64.45M
Free Float %
69.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.40% +0.81% -2.34% -6.72% -11.97% -11.35% -8.09% -27.75% -35.90% -35.90% -35.90%
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
1.19
DCF (Unlevered) 4.39 +269.3%
DCF (Levered) 22.97 +1,830.5%

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) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.86
Grey zone
Piotroski F-Score
5 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Life: +10.6%
    -67.9% Q4'25: +35.7% (vs Q4'23)
  • EPS growth Insurance - Life: +13.4%
    -29.6% Q4'25: +36.0% (vs Q4'23)
  • FCF margin FCF growth · Insurance - Life: +31.7%
    +35.9% Q4'25: +0.7% (vs Q4'23)
  • EBIT margin Insurance - Life: +12.4%
    +12.4% Q4'25: +3.6% (vs Q4'23)
  • ROIC Insurance - Life: +1.0%
    +9.9% Q4'25: +67.3% (vs Q4'23)
  • Share dilution Insurance - Life: +0.4%
    +3.9% Q4'25: +10.0% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Life: -1.05×
    0.30× Q4'25: 0.23× (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 (0.11) × ERP
WACC = 96% × Ke + 4% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 4.39 Current price: 1.19
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 2022
actual
Jun 2023
actual
Jun 2024
actual
Jun 2025
actual
Jun 2026
1 Rev. Ana.
1 EPS Ana.
Jun 2027
1 Rev. Ana.
1 EPS Ana.
Jun 2028
1 Rev. Ana.
1 EPS Ana.
Jun 2029
1 Rev. Ana.
1 EPS Ana.
Revenue
75.43M
est: 240.33M (-68.6%)
343.40M
est: 330.34M (+4.0%)
386.65M
est: 365.51M (+5.8%)
123.99M
est: 438.56M (-71.7%)
522.98M
522.98M – 522.98M
+19.3% YoY
597.33M
597.33M – 597.33M
+14.2% YoY
677.26M
675.88M – 678.63M
+13.4% YoY
768.52M
768.52M – 768.52M
+13.5% YoY
EBITDA
4.22M
est: 20.48M (-79.4%)
18.67M
est: 28.15M (-33.7%)
20.33M
est: 31.15M (-34.7%)
15.42M
est: 37.38M (-58.7%)
44.57M
44.57M – 44.57M
+19.3% YoY
50.91M
50.91M – 50.91M
+14.2% YoY
57.72M
57.60M – 57.84M
+13.4% YoY
65.50M
65.50M – 65.50M
+13.5% YoY
EBIT
2.65M
est: 18.03M (-85.3%)
17.03M
est: 24.78M (-31.3%)
13.54M
est: 27.42M (-50.6%)
15.42M
est: 32.90M (-53.1%)
39.23M
39.23M – 39.23M
+19.3% YoY
44.81M
44.81M – 44.81M
+14.2% YoY
50.81M
50.70M – 50.91M
+13.4% YoY
57.65M
57.65M – 57.65M
+13.5% YoY
Net Income
1.69M
est: 7.23M (-76.7%)
7.99M
est: 10.76M (-25.7%)
9.28M
est: 16.63M (-44.2%)
7.12M
est: 17.83M (-60.1%)
19.38M
19.08M – 19.69M
+8.7% YoY
22.46M
21.28M – 23.64M
+15.9% YoY
25.13M
25.13M – 25.13M
+11.9% YoY
31.75M
31.75M – 31.75M
+26.4% YoY
SGA
41.62M
est: 52.03M (-20.0%)
50.41M
est: 71.52M (-29.5%)
26.44M
est: 79.14M (-66.6%)
est: 94.95M (-100.0%)
113.23M
113.23M – 113.23M
+19.3% YoY
129.33M
129.33M – 129.33M
+14.2% YoY
146.63M
146.34M – 146.93M
+13.4% YoY
166.39M
166.39M – 166.39M
+13.5% YoY
EPS
0.02
est: 0.08 (-74.7%)
0.09
est: 0.12 (-20.5%)
0.11
est: 0.19 (-40.8%)
0.08
est: 0.19 (-59.0%)
0.21
0.21 – 0.21
+8.7% YoY
0.24
0.23 – 0.26
+15.9% YoY
0.27
0.27 – 0.27
+11.9% YoY
0.35
0.35 – 0.35
+26.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-28 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-27 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-26 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-22 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-21 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-20 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-19 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-18 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-15 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-14 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-12 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-11 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-08 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-07 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-06 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-05 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-04 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-05-01 C+ 2/5 1/5 2/5 3/5 3/5 1/5 2/5
2026-04-28 C+ 2/5 1/5 2/5 4/5 3/5 1/5 2/5
2026-04-24 C+ 2/5 1/5 2/5 4/5 3/5 1/5 2/5
2026-04-23 B- 2/5 1/5 3/5 4/5 2/5 2/5 2/5
2026-04-22 B- 2/5 1/5 3/5 4/5 2/5 2/5 2/5
2026-04-21 B- 2/5 1/5 3/5 4/5 2/5 2/5 2/5
2026-04-20 B- 2/5 1/5 3/5 4/5 2/5 2/5 2/5
2026-04-17 B- 2/5 1/5 3/5 4/5 2/5 2/5 2/5
2026-04-16 B- 2/5 1/5 3/5 4/5 2/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
93.48M
OE per share TTM
1.01
Owner's Yield
80.58%
Maintenance CapEx ratio
19.91%
Maint CapEx / Avg PPE
2.1%

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
5.14M
Shares Outstanding
92.94M

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
Anthony R. Brown Chief Executive Officer & Executive Director 984.2K male
Scott Pearson Chief Financial Officer 649.7K male
Christopher Gale Chief Growth Officer male
Amanda Underwood General Counsel & Company Secretary
Kirsten Booth Chief Risk Officer female
Martin Paino Appointed Actuary
Moana Kolesi Head of Sales female
Gary Bailison Chief Operations Officer male
Cathy Doyle Chief People Officer female
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 history

Earnings history

Earnings reports

Stock splits