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: 13.39
Index: ALL-ORDS

LAST PRICE CHANGE +/- CHANGE % VOLUME

$4.65

18 Sep
2025

0.100

OPEN

$4.66

2.20%

HIGH

$4.70

53,543

LOW

$4.56

TARGET
$4.475 -3.8% downside
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 FY24
Actual		 FY25
Actual		 FY26
Forecast		 FY27
Forecast
EPS (cps) xxx 44.1 49.0 xxx
DPS (cps) xxx 36.9 33.5 xxx
EPS Growth xxx 15.7% 10.9% xxx
DPS Growth xxx 47.7% - 9.3% xxx
PE Ratio xxx N/A 9.4 xxx
Dividend Yield xxx N/A 7.3% xxx
Div Pay Ratio(%) xxx 83.7% 68.4% xxx

Dividend yield today if purchased 3 years ago: 9.05%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 7.94

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 202020212022202320242025
EPS Basic xxxxxxxxxxxxxxx44.1
DPS All xxxxxxxxxxxxxxx36.9
Sales/Revenue xxxxxxxxxxxxxxx1,492.7 M
Book Value Per Share xxxxxxxxxxxxxxx394.1
Net Operating Cash Flow xxxxxxxxxxxxxxx118.1 M
Net Profit Margin xxxxxxxxxxxxxxx8.97 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 202020212022202320242025
Return on Capital Employed xxxxxxxxxxxxxxx11.19 %
Return on Invested Capital xxxxxxxxxxxxxxx1.16 %
Return on Assets xxxxxxxxxxxxxxx0.82 %
Return on Equity xxxxxxxxxxxxxxx11.19 %
Return on Total Capital xxxxxxxxxxxxxxx6.79 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx25.2 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 202020212022202320242025
Short-Term Debt xxxxxxxxxxxxxxx4,784 M
Long Term Debt xxxxxxxxxxxxxxx9,842 M
Total Debt xxxxxxxxxxxxxxx14,627 M
Goodwill - Gross xxxxxxxxxxxxxxx-
Cash & Equivalents - Generic xxxxxxxxxxxxxxx888 M
Price To Book Value xxxxxxxxxxxxxxx0.85

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 202020212022202320242025
Capex xxxxxxxxxxxxxxx1.7 M
Capex % of Sales xxxxxxxxxxxxxxx0.12 %
Cost of Goods Sold xxxxxxxxxxxxxxx264 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx156 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx14,750 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

0.5

No. Of Recommendations

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

Macquarie

xx/xx/xxxx

1

xxxxxxxxxx

$xx.xx

xx.xx%

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Citi

26/08/2025

3

Downgrade to Neutral from Buy

$4.50

-3.23%

Citi raises its target for Liberty Financial to $4.50 from $4.15 and downgrades to Neutral from Buy on valuation, following FY25 results.

The group's profit of $145m was broadly in line with the broker's forecast, with lower bad debts offsetting softer loan volumes. Margins improved, with the 2H25 net interest margin (NIM) rising 4bps to 2.50% on lower funding costs.

Application volumes lifted 33% quarter-on-quarter in 4Q25, while bad debts fell -22% year-on-year, with arrears improving and credit quality sound, assess the analysts.

Citi forecasts a FY26 NIM of 2.57%, supported by funding cost tailwinds, though competitive pressures remain.

The broker trims its FY26-27 earnings forecasts by -3% to reflect a slower recovery pace.

FORECAST
Citi forecasts a full year FY26 dividend of 32.00 cents and EPS of 48.10 cents.
Citi forecasts a full year FY27 dividend of 35.00 cents and EPS of 52.80 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

01/09/2025

3

Neutral

$4.00

-13.98%

Liberty Financial's FY25 result showed an improvement in 2H, with 2H net interest margin (NIM) up 3bps h/h to 2.50%, though full-year NIM came in at 2.49%. 2H25 cash net profit rose 3% h/h and was better than Jarden's forecast.

The broker sees the company well-positioned to benefit from a pullback by major banks from the third-party home loan channel, provided funding and credit markets remain stable. 

FY25 saw a drop in home loan originations in 2H, though this was more than offset by solid growth in asset finance.

EPS forecast for FY26 lifted by 2.4% and by 1.4% for FY27 on higher NIM and lower bad debts, offset by lower home loan growth forecasts.

Neutral. Target rises to $4.00 from $3.75.

FORECAST
Jarden forecasts a full year FY26 dividend of 34.00 cents and EPS of 49.70 cents.
Jarden forecasts a full year FY27 dividend of 37.00 cents and EPS of 62.00 cents.
Access Extra Coverage Research History >

LFG STOCK CHART

FNArena News on LFG

1
Australian Broker Call *Extra* Edition – Sep 02, 2025

Sep 02 2025 - Daily Market Reports
2
Weekly Ratings, Targets, Forecast Changes – 29-08-25

Sep 01 2025 - Weekly Reports
3
FNArena Corporate Results Monitor – 26-08-2025

Aug 26 2025 - Australia
4
Australian Broker Call *Extra* Edition – Mar 04, 2025

Mar 04 2025 - Daily Market Reports
5
FNArena Corporate Results Monitor – 25-02-2025

Feb 25 2025 - Australia

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