LIBERTY FINANCIAL GROUP LIMITED (LFG)
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LFG

LFG - LIBERTY FINANCIAL GROUP LIMITED

FNArena Sector : Diversified Financials
Year End: June
GICS Industry Group : Banks
Debt/EBITDA: 13.7
Index: ALL-ORDS

LAST PRICE CHANGE +/- CHANGE % VOLUME

$3.16

15 Apr
2025

0.010

OPEN

$3.20

0.32%

HIGH

$3.29

8,136

LOW

$3.16

TARGET
$4.275 35.3% upside
Franking for last dividend paid out: 29%
OTHER COMPANIES IN THE SAME SECTOR
B4P . BFG . CCL . CCR . CNI . CPU . CVC . EQT . EZL . FID . HMY . OBL . OFX . SGH . SOL .
FNARENA'S MARKET CONSENSUS FORECASTS
LFG: 1
Title FY23
Actual		 FY24
Actual		 FY25
Forecast		 FY26
Forecast
EPS (cps) xxx 38.1 45.7 xxx
DPS (cps) xxx 25.0 32.6 xxx
EPS Growth xxx - 36.2% 19.7% xxx
DPS Growth xxx - 44.2% 30.4% xxx
PE Ratio xxx N/A 7.0 xxx
Dividend Yield xxx N/A 10.3% xxx
Div Pay Ratio(%) xxx 65.5% 71.4% xxx

Dividend yield today if purchased 3 years ago: 4.81%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 7.86

Estimated Dividend Growth
(Average Of Past Three Years)

  %

Amount Invested

 $ 

Tell Me The Dividend After This Many Years
Past performance is no guarantee for the future. Investors should take into account that heavy swings in share price or exceptional circumstances (a la 2009) can have a significant impact on short term calculations and averages

Last ex-div: 13/12 - ex-div 17c (franking 29%)

HISTORICAL DATA ARE ALL IN AUD
Copyright © 2025 FactSet UK Limited. All rights reserved
Title 201920202021202220232024
EPS Basic xxxxxxxxxxxxxxx38.1
DPS All xxxxxxxxxxxxxxx25.0
Sales/Revenue xxxxxxxxxxxxxxx1,461.8 M
Book Value Per Share xxxxxxxxxxxxxxx394.8
Net Operating Cash Flow xxxxxxxxxxxxxxx-929.7 M
Net Profit Margin xxxxxxxxxxxxxxx7.92 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 201920202021202220232024
Return on Capital Employed xxxxxxxxxxxxxxx9.77 %
Return on Invested Capital xxxxxxxxxxxxxxx0.99 %
Return on Assets xxxxxxxxxxxxxxx0.72 %
Return on Equity xxxxxxxxxxxxxxx9.77 %
Return on Total Capital xxxxxxxxxxxxxxx6.74 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx-1,041.2 M

Return on Capital Employed

Return on Invested Capital

Return on Assets

Return on Equity

Return on Total Capital

Free Cash Flow ex dividends

Title 201920202021202220232024
Short-Term Debt xxxxxxxxxxxxxxx3,675 M
Long Term Debt xxxxxxxxxxxxxxx10,895 M
Total Debt xxxxxxxxxxxxxxx14,569 M
Goodwill - Gross xxxxxxxxxxxxxxx-
Cash & Equivalents - Generic xxxxxxxxxxxxxxx940 M
Price To Book Value xxxxxxxxxxxxxxx0.95

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 201920202021202220232024
Capex xxxxxxxxxxxxxxx2.9 M
Capex % of Sales xxxxxxxxxxxxxxx0.20 %
Cost of Goods Sold xxxxxxxxxxxxxxx260 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx158 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx14,734 M

Capex

Capex % of Sales

Cost of Goods Sold

Selling, General & Admin. Exp & Other

Research & Development

Investments - Total

EXPERT VIEWS
Display All Commentary

Sentiment Indicator

1.0

No. Of Recommendations

2
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Macquarie

xx/xx/xxxx

1

xxxxxxxxxx

$xx.xx

xx.xx%

Broker commentary and detailed analysis is available for Full Members Only.
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Citi

25/02/2025

1

Buy

$4.15

31.33%

Liberty Financial reported 1H25 underlying NPATA of $71.4m, in line with expectations, Citi notes, though Secured Finance growth slowed, particularly in motor finance, due to competitive pressures that weighed on volume growth and NIM.

Lower provisioning needs and a shift away from capital-intensive segments offset weaker net interest income, supporting a special dividend of 5cps. The broker expects improved funding conditions, with spot pricing -35bps below the back-book funding margin, should drive NIM expansion over the next 2-3 years.

Citi has lowered volume forecasts by -3 to -8%, though higher NIM and lower bad debts limit the impact on earnings, while DPS estimates increase by 2-4%, supporting a double-digit earnings growth outlook as funding tailwinds strengthen.

The broker maintains a Buy rating with a $4.15 target price, and an expected 8.7% dividend yield.

FORECAST
Citi forecasts a full year FY25 dividend of 33.20 cents and EPS of 43.10 cents.
Citi forecasts a full year FY26 dividend of 35.00 cents and EPS of 49.70 cents.
Access Stockbroker Research History >
EXTRA COVERAGE
Display All Commentary

No. Of Recommendations

1

Please note: unlike Broker Call Report, BC Extra is not updated daily. The info you see might not be the latest. FNArena does its best to update ASAP.

BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Jarden

04/03/2025

3

Neutral

$3.75

18.67%

Liberty Financial's 1H25 core earnings were up 3.5% sequentially driven by small volume growth, stable margins and cost control. The lender has prioritised margin discipline over volume growth.

Given the limited appetite for strong volume, the broker expects net interest margin to remain stable at around 2.47% in FY25 (2.46% in 1H) before a small recovery in FY26. The broker also forecasts mid-single digit volume growth growth in the near term.

The analyst cut EPS forecasts for FY25-26 by -3.8% and -9.0 respectively on a slowerf margin and volume growth trajectory. Target price of $3.75 and Neutral rating are unchanged.

FORECAST
Jarden forecasts a full year FY25 dividend of 35.00 cents and EPS of 44.90 cents.
Jarden forecasts a full year FY26 dividend of 28.00 cents and EPS of 48.50 cents.
Access Extra Coverage Research History >

LFG STOCK CHART

FNArena News on LFG

1
Australian Broker Call *Extra* Edition – Mar 04, 2025

Mar 04 2025 - Daily Market Reports
2
FNArena Corporate Results Monitor – 25-02-2025

Feb 25 2025 - Australia
3
Australian Broker Call *Extra* Edition – Sep 02, 2024

Sep 02 2024 - Daily Market Reports
4
Weekly Ratings, Targets, Forecast Changes – 30-08-24

Sep 02 2024 - Weekly Reports
5
FNArena Corporate Results Monitor – 27-08-2024

Aug 27 2024 - Australia

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