LIBERTY FINANCIAL GROUP LIMITED (LFG)
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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

$3.33

11 Sep
2024

-0.210

OPEN

$3.51

-5.93%

HIGH

$3.53

30,365

LOW

$3.33

TARGET
$4.125 23.9% upside
Franking for last dividend paid out: 0%
OTHER COMPANIES IN THE SAME SECTOR
B4P . BFG . CCR . CNI . CPU . CVC . EP1 . EQT . EZL . FID . HMY . OBL . OFX . SOL . SVW .
FNARENA'S MARKET CONSENSUS FORECASTS
LFG: 1
Title FY23
Actual		 FY24
Actual		 FY25
Forecast		 FY26
Forecast
EPS (cps) xxx 38.1 48.3 xxx
DPS (cps) xxx 25.0 30.5 xxx
EPS Growth xxx - 36.2% 26.5% xxx
DPS Growth xxx - 44.2% 21.8% xxx
PE Ratio xxx N/A 7.1 xxx
Dividend Yield xxx N/A 8.9% xxx
Div Pay Ratio(%) xxx 65.5% 63.1% xxx

Dividend yield today if purchased 3 years ago: 3.65%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 7.33

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: 29/11 - ex-div 21c (franking 0%)

HISTORICAL DATA ARE ALL IN AUD
Copyright © 2024 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

Citi

xx/xx/xxxx

1

xxx

$xx.xx

xx.xx%

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Macquarie

27/08/2024

1

Upgrade to Outperform from Neutral

$4.10

23.12%

Macquarie believes the majority of the margin headwinds for Liberty Financial are in the rearview mirror and lower funding spread should support margins in the second half of FY25 onwards.

With margin stability and the book returning to growth there are signs for cautious optimism, the broker adds, upgrading to Outperform from Neutral.

In FY24 overall book growth was 8%. Competitive trends appeared stable, and with potential rate cuts, Macquarie envisages upside risks. Target is unchanged at $4.10 and EPS for FY25 is upgraded by 6% and FY26 by 3%.

FORECAST
Macquarie forecasts a full year FY25 dividend of 30.00 cents and EPS of 51.00 cents.
Macquarie forecasts a full year FY26 dividend of 34.00 cents and EPS of 57.30 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

02/09/2024

3

Neutral

$3.75

12.61%

The FY24 result from Liberty Financial missed Jarden's expectations at the net profit line, largely because of a weaker net interest margin. Second half loan losses rose 15%, affected by the continued shift in mix towards higher risk loan books.

While arrears rose substantially, the broker is encouraged the increase was mainly customers seeking repayment variations.

Going forward loan losses are expected to normalise in FY25, amid further growth away from mortgages and likely deterioration in the asset finance book. Neutral retained. Target is reduced to $3.75 from $4.00.

FORECAST
Jarden forecasts a full year FY25 dividend of 26.00 cents and EPS of 47.00 cents.
Jarden forecasts a full year FY26 dividend of 29.00 cents and EPS of 53.00 cents.
Access Extra Coverage Research History >

LFG STOCK CHART

FNArena News on LFG

1
Australian Broker Call *Extra* Edition – Sep 02, 2024

Sep 02 2024 - Daily Market Reports
2
Weekly Ratings, Targets, Forecast Changes – 30-08-24

Sep 02 2024 - Weekly Reports
3
FNArena Corporate Results Monitor – 27-08-2024

Aug 27 2024 - Australia
4
Australian Broker Call *Extra* Edition – Jul 17, 2024

Jul 17 2024 - Daily Market Reports
5
Weekly Ratings, Targets, Forecast Changes – 12-04-24

Apr 15 2024 - Weekly Reports

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