YOLFTbeta
Liberty Financial Group

Liberty Financial Group

LFG · AU · Financial Services / Credit Services

3.26AUD+0.02 (+0.62%)

Price History

Full chart

Market Stats

Previous Close3.24
Open3.28
Day Range3.25 – 3.29
52-Week Range2.77 – 3.76
Volume49.53K
Market Cap1.02B
P/E (TTM)7.17
Forward P/E6.50
EPS0.47
Dividend Yield9.05%
Beta0.46
50-Day Avg3.31
200-Day Avg3.41

About

Liberty Financial Group Limited engages in providing loan finance services in Australia. The company provides home and investment property loans, car and caravan loans, and personal loans, such as secured and unsecured personal loans, holiday loans, wedding loans, medical loans, debt consolidation loans, home renovation loans, and boat finance. It also offers business loans, including secured business loans, low-doc business loans, flexible business loans, and business lines of credit; commercial property loans; and residential and commercial self-managed super funds. The company was founded in 1997 and is based in Melbourne, Australia. Liberty Financial Group Limited operates as a subsidiary of Vesta Funding BV.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. James Boyle
  • Employees511
  • Headquarters535 Bourke Street, Melbourne, VIC, Australia, 3000, Australia
  • Websitehttps://www.liberty.com.au

Leadership

  • Mr. James BoyleCEO & Executive Director · b. 1951
  • Mr. Peter William RiedelCFO & Director
  • Mr. Sherman MaExecutive Director
  • Mr. Matthew RyanGeneral Counsel & Company Secretary

Financials

Income Statement

Currency: AUD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue117.09M132.00M139.27M164.93M425.80M612.50M789.94M830.76M852.97M868.94M1.23B1.46B604.51M1.44B
Growth (%)-+12.73%+5.51%+18.43%+158.17%+43.85%+28.97%+5.17%+2.67%+1.87%+41.85%+18.60%-58.65%+138.33%
Cost of Revenue----265.55M428.62M580.82M544.54M209.84M231.04M237.37M4.42M263.58M293.46M
Gross Profit117.09M132.00M139.27M164.93M160.25M183.88M209.12M286.22M643.12M637.89M995.25M1.46B604.51M1.15B
Gross Margin100.00%100.00%100.00%100.00%37.63%30.02%26.47%34.45%75.40%73.41%80.74%99.70%100.00%79.63%
Operating Expense86.92M165.71M118.64M129.10M115.06M133.19M242.07M119.01M150.86M135.55M155.01M177.56M98.05M138.62M
Operating Income30.17M-33.71M20.63M35.83M45.19M50.69M-32.95M167.22M492.27M502.35M840.24M1.28B506.46M1.01B
Operating Margin25.76%-25.54%14.81%21.72%10.61%8.28%-4.17%20.13%57.71%57.81%68.17%87.55%83.78%70.01%
EBITDA970.00K235.06M130.43M162.21M72.20M81.59M100.83M179.00M510.11M731.14M859.41M1.06B1.09B1.00B
EBITDA Margin0.83%178.08%93.65%98.35%16.96%13.32%12.76%21.55%59.80%84.14%69.72%72.73%180.66%69.54%
Net Income5.76M-47.88M-8.61M2.55M70.20M78.89M97.54M46.53M185.92M219.63M181.52M115.81M133.97M143.57M
Net Income Margin4.92%-36.27%-6.18%1.54%16.49%12.88%12.35%5.60%21.80%25.28%14.73%7.92%22.16%9.97%
R&D----0.10.080.12345.00K559.00K657.00K704.00K727.00K747.00K-
R&D as % of Total Revenue----0.00%0.00%0.00%0.04%0.07%0.08%0.06%0.05%0.12%-
Interest Expense----13.08M14.83M15.71M0458.82M462.51M831.94M1.11B1.14B824.64M
Interest Expense % of Total Revenue----3.07%2.42%1.99%0.00%53.79%53.23%67.49%75.76%188.51%57.24%

Balance Sheet

Currency: AUD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.88B3.16B3.43B5.32B7.38B10.02B12.76B13.01B13.57B14.33B15.69B16.31B16.24B16.68B
Total Liabilities2.80B3.11B3.39B5.25B7.27B9.79B11.86B12.01B12.53B13.21B14.52B15.11B15.05B15.50B
Total Equity77.38M31.21M20.19M48.70M96.47M216.38M908.24M1.00B1.04B1.12B1.17B1.20B1.20B1.18B
Cash130.12M155.28M133.21M483.71M255.75M351.44M787.93M484.60M603.87M654.04M1.34B940.43M887.94M825.01M
Total Debt1.96B1.98B2.32B2.57B7.18B9.57B11.69B11.74B12.25B12.82B14.03B14.57B14.71B15.07B
Net Debt1.83B1.83B2.19B2.09B6.93B9.22B10.82B11.25B11.64B12.16B12.68B13.63B13.82B14.24B

Cash Flow

Currency: AUD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow74.93M91.23M70.61M60.80M48.73M60.37M104.43M194.33M132.96M133.94M-435.63M-929.69M118.08M-291.48M
Investing Cash Flow-410.11M-283.89M-324.34M-1.52B-2.28B-2.33B-1.97B-757.40M-24.37M-15.40M-12.85M30.03M25.89M31.34M
Financing Cash Flow340.70M216.53M237.87M1.67B2.14B2.37B2.15B255.88M-3.19M-68.38M1.14B497.67M-196.46M197.22M
Capital Expenditure663.00K759.00K992.00K6.31M2.27M2.68M3.26M4.38M4.32M3.46M7.12M2.88M1.72M4.78M
Free Cash Flow74.26M90.48M69.62M54.50M46.47M57.69M101.18M189.95M-4.32M-3.46M-442.74M-932.57M116.36M-296.26M
Dividends Paid----259.00K259.00K259.00K703.00K181.66M137.78M149.24M108.62M91.16M45.54M
FCF to OCF99.12%99.17%98.60%89.63%95.35%95.57%96.88%97.75%-3.25%-2.58%101.63%100.31%98.55%101.64%
Dividend Paid to FCF----0.56%0.45%0.26%0.37%-4203.19%-3979.64%-33.71%-11.65%78.34%-15.37%

Earnings

Report DateDec 15, 2020Feb 25, 2021Aug 29, 2021Feb 28, 2022Aug 29, 2022Feb 27, 2023Feb 23, 2025Aug 18, 2025
EPS Estimate0.000.00--0.36-0.22-
EPS Actual0.200.250.310.380.310.340.110.23
Surprise-----14.60%--49.07%-
Timing---After-hoursAfter-hoursAfter-hours-Pre-market

Key Statistics & Ratios

Market Cap1.02B
Enterprise Value14.49B
Trailing P/E7.17
Forward P/E6.50
Price / Sales1.64
Price / Book0.87
EPS0.47
Book Value3.88
Revenue (TTM)624.80M
Gross Profit (TTM)624.80M
Profit Margin22.98%
Operating Margin29.47%
Return on Equity12.07%
Return on Assets0.87%
Shares Outstanding303.60M
Shares Float60.70M
Beta0.46
Dividend Yield9.05%
Dividend Rate0.30
Payout Ratio79.78%

Dividends

20264×
0.23Sep 2, 20260.07Jun 29, 20260.07Jun 4, 20260.07Mar 10, 2026
20254×
0.07Dec 3, 20250.07Sep 29, 20250.15Aug 28, 20250.20Jun 27, 2025
20242×
0.17Nov 28, 20240.13Jun 27, 2024
20232×
0.12Nov 29, 20230.24Jun 29, 2023
20222×
0.21Nov 29, 20220.28Jun 29, 2022
20212×
0.21Nov 29, 20210.24Jun 29, 2021