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Home CompaniesLiberty Financial Group

Liberty Financial Group

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
3.35 AUD 0.00(0%)
Last update at 2026-11-06T05:10:00Z
VOLUME
45885
Market Cap
1017.06M
P/E
7.13

Momentum Score

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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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
3.28
Low
3.35
High
52 Week Price Range
2.77
Low
3.76
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Liberty Financial Group is an Australian non-bank lender that originates and services residential mortgages and a range of consumer and small-business loans across Australia and New Zealand. Long-term growth may be supported by structural demand for credit, product and channel diversification, and scale in origination and servicing, and investors may find the firm attractive for its focus on higher-yielding lending outside major banks.

Key risks include sensitivity to housing-market and credit cycles, rising funding costs and margin compression, regulatory and competitive pressures, and execution risk as the loan book scales.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
3.35
Dividend Yield
11.16%
Revenue TTM
624.80M
Revenue Per Share
2.06
Gross Profit TTM
624.80M
Debt / Equity
12.78
ROE
12.07%
Net Debt
14242.30M
ROCE
9.91%
Diluted EPS TTM
0.47

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 156.84M 149.47M 134.17M 198.01M 250.91M
Minority interest -0.22M 0.64M 0.53M 0.46M 0.32M
Net income 143.57M 133.97M 115.81M 181.52M 219.63M
Selling general administrative 20.04M 97.30M 97.49M 96.35M 87.34M
Gross profit 1147.24M 604.51M 1457.41M 995.25M 624.53M
Reconciled depreciation 20.46M 19.45M 19.56M 19.18M 17.89M
Ebit 981.48M 1072.68M 1043.60M 840.24M 713.24M
Ebitda 1001.94M 1092.14M 1063.16M 859.41M 731.14M
Depreciation and amortization 20.46M 19.45M 19.56M 19.18M 17.89M
Operating income 1008.62M 506.46M 1279.85M 840.24M 713.24M
Other operating expenses 432.08M 98.05M 177.56M 392.38M 155.63M
Interest expense 824.64M 1139.54M 1107.55M 614.03M 462.51M
Tax provision 13.04M 16.14M 18.89M 16.95M 31.61M
Interest income 1231.40M 886.91M 856.47M 600.47M 234.33M
Net interest income 406.76M -1139.82M -1107.95M -832.33M -462.79M
Income tax expense 13.04M 16.14M 18.89M 16.95M 31.61M
Total revenue 1440.71M 604.51M 1461.83M 1232.62M 855.58M
Total operating expenses 138.62M 98.05M 177.56M 155.01M 155.63M
Cost of revenue 293.46M 263.58M 4.42M 237.37M 231.04M
Total other income expense net -851.79M -356.99M -1145.67M -642.23M 13.76M
Net income from continuing ops 143.79M 133.33M 115.28M 181.06M 219.31M
Net income applicable to common shares - 133.97M 115.81M 181.52M 219.63M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 16684.75M 16242.65M 16305.72M 15692.41M 14325.20M
Intangible assets 227.35M 199.57M 212.19M 224.71M 236.99M
Other current assets - - -1221.27M 160.30M 145.15M
Total liab 15495.99M 15049.62M 15109.85M 14519.84M 13209.07M
Total stockholder equity 1179.14M 1196.40M 1198.60M 1172.57M 1117.89M
Deferred long term liab - - - 2.43M 2.76M
Other current liab - - -3674.79M 121.05M 296.33M
Common stock 719.00M - 719.00M 719.00M 719.00M
Capital stock 719.00M 719.00M 719.00M 719.00M 719.00M
Retained earnings 594.46M 610.28M 588.39M 548.49M 502.80M
Other liab - - - 92.86M 73.87M
Good will 40.45M 32.52M 32.49M 39.38M 39.23M
Other assets - - 16305.72M 73.72M 67.31M
Cash 825.01M 887.94M 940.43M 1342.42M 654.04M
Cash and equivalents - - - 1219.93M 546.90M
Total current liabilities 6780.62M 5069.72M 4069.54M 4557.47M 1753.57M
Net debt 14242.30M 13818.61M 13629.00M 12739.16M 12157.04M
Short term debt 6780.62M - 3674.79M 0.00M 1457.25M
Short long term debt - 4855.99M 3722.91M 4031.32M 1448.67M
Short long term debt total 15067.32M - 14569.43M - 12811.07M
Other stockholder equity - - - -94.92M -125.35M
Property plant equipment - - - 27.70M 22.18M
Total current assets 1020.75M 1827.59M 1881.23M 1717.74M 1251.80M
Long term investments 90.71M 14072.77M 14074.09M 13361.66M 12710.45M
Net tangible assets - - - 910.91M 822.98M
Short term investments 0.10M 665.33M 0.04M 249.93M 250.26M
Net receivables 195.64M - 280.80M 297.72M 316.91M
Long term debt - 9850.56M 10904.03M 10050.26M 11353.83M
Accounts payable 38.48M - - - -
Accumulated other comprehensive income -134.31M - -108.79M - -103.91M
Non currrent assets other - - -105.72M - -
Non current assets total 15664.00M 14415.06M 14424.49M 13724.75M 13073.40M
Capital lease obligations - 4.11M 7.07M 9.90M 8.58M
Long term debt total - - - 10056.59M 11359.64M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -5.30M 25.89M 30.03M -31.87M -15.40M
Change to liabilities - - - 50.81M 9.05M
Total cashflows from investing activities 31.34M 25.89M 30.03M -12.85M -15.40M
Net borrowings 397.58M -102.32M 609.12M -3.75M 69.40M
Total cash from financing activities 197.22M -196.46M 497.67M 1136.86M -68.38M
Change to operating activities - - - -685.60M -74.84M
Net income 143.57M 133.97M 115.81M 181.52M 219.63M
Change in cash -62.92M -52.49M -401.99M 688.38M 50.17M
Begin period cash flow 887.94M 940.43M 1342.42M 654.04M 603.87M
End period cash flow 825.01M 887.94M 940.43M 1342.42M 654.04M
Total cash from operating activities -291.48M 118.08M -929.69M -435.63M 133.94M
Depreciation 20.46M - 19.56M 19.18M 17.24M
Other cashflows from investing activities 54.90M 23.70M 32.67M 25.97M -11.94M
Dividends paid 45.54M -91.16M -108.62M -149.24M 137.78M
Change to account receivables -10.53M -1.02M -0.69M -38.00M -13.25M
Other cashflows from financing activities -154.82M -2.98M -2.83M 2575.96M 75.58M
Change to netincome - - - -5.55M -4.80M
Capital expenditures 4.78M 1.72M 2.88M 7.12M 3.46M
Change in working capital -454.92M -31.42M -1104.49M -630.78M -420.00M
Stock based compensation - - 3.33M 3.86M 1.33M
Other non cash items -0.59M 149.50M 39.44M 70.81M -6.13M
Free cash flow -296.26M 116.36M -932.57M -442.74M -3.46M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
LFG
Liberty Financial Group		 -
-%		 3.35 7.13 6.71 1.63 0.86 40.84 11.07
ZIP
ZIP Co Ltd		 -0.12
5.61%		 2.02 20.10 12.32 1.87 3.53 3.52 11.32
CCP
Credit Corp Group Ltd		 0.07
0.45%		 15.64 10.05 8.78 2.22 1.13 2.50 7.39
LFS
Latitude Group Holdings Ltd		 0.04
4.22%		 0.86 9.22 - 1.59 0.66 6.49 13.37
PPM
Pepper Money Ltd		 -0.02
1.11%		 1.77 7.80 5.75 1.93 0.90 45.61 -

Profile*

Liberty Financial Group

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.

535 Bourke Street, Melbourne, VIC, Australia, 3000

61 3 8635 8888

https://www.liberty.com.au

511

Name Title Year Born
Mr. James Boyle CEO & Exec. Director 1951
Mr. Peter William Riedel CFO & Company Sec. NA
Mr. Sherman Ma Exec. Director NA
Mr. James Boyle CEO & Executive Director 1951
Mr. Peter William Riedel CFO & Company Secretary NA
Mr. Sherman Ma Executive Director NA
Mr. James Boyle CEO & Executive Director 1951
Mr. Peter William Riedel CFO & Company Secretary NA
Mr. Sherman Ma Executive Director NA
Mr. James Boyle CEO & Executive Director 1951

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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