YOLFTbeta
Latitude Group Holdings Ltd

Latitude Group Holdings Ltd

LFS · AU · Financial Services / Credit Services

0.865AUD+0.04 (+4.22%)

Price History

Full chart

Market Stats

Previous Close0.83
Open0.845
Day Range0.84 – 0.87
52-Week Range0.77 – 1.02
Volume63.82K
Market Cap826.59M
P/E (TTM)8.83
Forward P/E0.00
EPS0.09
Dividend Yield13.21%
Beta0.69
50-Day Avg0.9018
200-Day Avg0.9341

About

Latitude Group Holdings Limited engages in sales finance and consumer lending businesses in Australia and New Zealand. The company operates through Australia and New Zealand Pay (A&NZ Pay) and Australia and New Zealand Money (A&NZ Money). It provides various lending products comprising personal and motor loans, as well as credit cards. The company offers debt consolidation, car, home improvement, holiday and travel, boat, caravan purchase, medical, and solar and battery purchase loans, as well as insurance services. In addition, it provides factoring/BNPL lending, trust managers, and intellectual property services, as well as securitization of receivables. Latitude Group Holdings Limited was founded in 1925 and is based in Melbourne, Australia.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Robert Nicholas Belan
  • Employees742
  • Headquarters130 Lonsdale Street, Melbourne, VIC, Australia, 3000, Australia
  • Websitehttps://www.latitudefinancial.com.au

Leadership

  • Mr. Robert Nicholas BelanMD, CEO & Director
  • Mr. Guillaume LegerChief Financial Officer
  • Ms. Adriana MartinezExecutive General Manager of Pay
  • Mr. Steve RubensteinExecutive General Manager of Money
  • Mr. Campbell MorrisonExecutive General Manager of Enterprise Services & Chief Operating Officer
  • Mitchell HawleyGroup General Manager of FP&A and Investor Relations
  • Ms. Felicity JoslinExecutive General Manager of People and Culture & Chief People Officer
  • Mr. Mark BrudenellExecutive General Manager of Risk & Chief Risk Officer
  • Ms. Tiffany BartonCompany Secretary

Financials

Income Statement

Currency: AUD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.21B1.27B1.31B1.13B957.40M927.80M407.30M477.20M1.21B
Growth (%)-+5.11%+3.23%-13.88%-15.32%-3.09%-56.10%+17.16%+154.46%
Cost of Revenue214.13M205.20M266.05M144.70M96.00M105.30M167.70M160.20M149.10M
Gross Profit995.81M1.07B1.05B985.90M861.40M822.50M239.60M477.20M1.07B
Gross Margin82.30%83.86%79.73%87.20%89.97%88.65%58.83%100.00%87.72%
Operating Expense348.43M376.21M385.63M620.60M490.20M521.80M18.90M335.50M545.40M
Operating Income647.38M690.36M661.14M365.30M371.20M300.70M220.70M141.70M519.80M
Operating Margin53.50%54.28%50.36%32.31%38.77%32.41%54.19%29.69%42.81%
EBITDA722.64M759.20M743.89M458.30M464.00M406.00M309.10M519.10M540.90M
EBITDA Margin59.73%59.70%56.66%40.54%48.46%43.76%75.89%108.78%44.54%
Net Income18.35M51.35M28.94M45.20M160.90M37.70M-158.50M21.60M94.00M
Net Income Margin1.52%4.04%2.20%4.00%16.81%4.06%-38.91%4.53%7.74%
R&D--0.020.080.210.090.18--
R&D as % of Total Revenue--0.00%0.00%0.00%0.00%0.00%--
Interest Expense331.00K21.00K362.00M278.60M166.80M216.30M343.70M385.20M374.80M
Interest Expense % of Total Revenue0.03%0.00%27.57%24.64%17.42%23.31%84.38%80.72%30.87%

Balance Sheet

Currency: AUD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets8.14B8.70B8.81B7.74B8.02B7.92B7.35B7.88B8.14B
Total Liabilities7.78B8.32B8.41B6.51B6.45B6.45B6.11B6.66B6.92B
Total Equity358.14M386.92M420.53M1.23B1.56B1.47B1.23B1.22B1.22B
Cash439.69M518.60M411.97M507.60M605.70M364.00M250.70M410.20M300.70M
Total Debt7.34B7.88B8.00B11.81B6.81B6.11B5.75B6.32B6.63B
Net Debt6.90B7.36B7.59B5.42B5.26B5.72B5.49B5.91B6.33B

Cash Flow

Currency: AUD2017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-161.32M-378.07M12.29M1.30B431.70M-289.90M307.20M-379.30M-318.10M
Investing Cash Flow-41.23M-61.30M-55.49M-43.20M-238.70M39.40M10.90M-19.90M-7.00M
Financing Cash Flow182.97M517.36M-64.12M-1.12B-55.80M400.00K-409.40M563.10M227.50M
Capital Expenditure41.23M61.30M55.49M69.50M84.20M24.90M17.00M19.90M7.00M
Free Cash Flow-202.56M-439.36M-43.19M1.23B-84.20M-24.90M290.20M-399.20M-325.10M
Dividends Paid-78.50M78.50M1.60M81.50M168.30M49.80M9.60M85.70M
FCF to OCF125.56%116.21%-351.30%94.64%-19.50%8.59%94.47%105.25%102.20%
Dividend Paid to FCF--17.87%-181.75%0.13%-96.79%-675.90%17.16%-2.40%-26.36%

Earnings

Report DateAug 22, 2021Feb 20, 2022Aug 18, 2022Feb 16, 2023Mar 20, 2025Aug 14, 2025Feb 19, 2026
EPS Estimate0.00---0.00--
EPS Actual0.110.060.040.010.020.030.05
Surprise-------
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketPre-market

Key Statistics & Ratios

Market Cap826.59M
Enterprise Value7.25B
Trailing P/E8.83
Forward P/E0.00
Price / Sales1.52
Price / Book0.67
EPS0.09
Book Value1.23
Revenue (TTM)544.10M
Gross Profit (TTM)544.10M
Profit Margin20.07%
Operating Margin26.37%
Return on Equity8.74%
Return on Assets1.35%
Shares Outstanding1.04B
Shares Float518.09M
Beta0.69
Dividend Yield13.21%
Dividend Rate0.11
Payout Ratio2.10%

Dividends

20262×
0.06Sep 22, 20260.05Mar 20, 2026
20252×
0.04Sep 19, 20250.03Mar 21, 2025
20231×
0.04Mar 21, 2023
20222×
0.08Sep 23, 20220.08Feb 28, 2022
20211×
0.08Aug 30, 2021