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Home CompaniesLatitude Group Holdings Ltd

Latitude Group Holdings Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.865 AUD 0.04 ( 4.22%)
Last update at 2026-11-06T05:10:00Z
VOLUME
77439
Market Cap
862.98M
P/E
9.22

Momentum Score

…

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.

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
0.83
Low
0.86
High
52 Week Price Range
0.77
Low
1.02
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

Latitude Group Holdings Ltd is an Australian consumer finance company offering personal loans, credit cards, point-of-sale and vendor finance plus general insurance across Australia and New Zealand. Long-term growth may be supported by retail partnerships, digital channels and cross-selling of lending and insurance to capture fee and interest income.

The main risks are sensitivity to the consumer credit cycle, funding and interest-rate pressures, and regulatory and competitive challenges that could reduce earnings.

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
0.83
Dividend Yield
12.88%
Revenue TTM
544.10M
Revenue Per Share
0.52
Gross Profit TTM
544.10M
Debt / Equity
5.45
ROE
8.74%
Net Debt
6331.10M
ROCE
7.51%
Diluted EPS TTM
0.09

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 131.30M 50.60M -185.40M 82.00M 222.70M
Minority interest - - 0.60M 1.40M 0.60M
Net income 94.00M 21.60M -158.50M 37.70M 160.90M
Selling general administrative 332.90M 215.50M 284.60M 265.00M 231.30M
Selling and marketing expenses - 39.80M 28.60M 27.50M 38.00M
Gross profit 1065.20M 477.20M 239.60M - 29.70M
Reconciled depreciation - 80.00M 89.40M 105.30M 92.90M
Ebit 506.10M 439.10M 220.70M 417.80M 505.70M
Ebitda 540.90M 519.10M 309.10M 523.10M 598.60M
Depreciation and amortization 34.80M 80.00M 88.40M 105.30M 92.90M
Operating income 519.80M 141.70M 220.70M 417.80M 505.70M
Other operating expenses 694.50M 335.50M 1145.10M 507.60M 479.30M
Interest expense 374.80M 385.20M 343.70M 216.30M 166.80M
Tax provision 36.90M 20.00M -47.50M 24.10M 62.40M
Interest income 374.80M 386.10M 959.70M 218.70M 932.40M
Net interest income - -386.10M -344.80M 671.50M 762.70M
Extraordinary items -0.40M -9.00M -21.20M -21.60M 16.30M
Income tax expense 36.90M 20.00M -47.50M 24.10M 62.40M
Total revenue 1214.30M 477.20M 407.30M 927.80M 29.70M
Total operating expenses 545.40M 335.50M 382.40M 507.60M 479.30M
Cost of revenue 149.10M 160.20M 167.70M - 5.50M
Total other income expense net -388.50M -91.10M -370.90M -81.90M -90.40M
Discontinued operations - - - -21.60M -21.60M
Net income from continuing ops - 30.60M -137.90M 57.90M 160.30M
Net income applicable to common shares 94.00M 21.60M -158.50M 37.70M 160.90M
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 8135.30M 7882.80M 7346.80M 7920.70M 8015.10M
Intangible assets 731.80M 65.90M - 203.60M 309.80M
Other current assets - 45.90M -329.30M 10.80M 8.20M
Total liab 6917.60M 6658.40M 6112.20M 6446.20M 6449.60M
Total stockholder equity 1217.70M 1224.40M 1234.60M 1471.40M 1561.00M
Other current liab - 30.60M -1193.80M 246.90M 312.10M
Common stock 2211.50M 2222.50M 2222.50M 2222.00M 2221.00M
Capital stock - 2222.50M - 2222.00M 2221.00M
Retained earnings -314.50M -323.00M -335.00M -123.40M 7.20M
Other liab - - - - 133.80M
Good will 698.30M 703.30M 706.00M 728.30M 738.10M
Other assets 202.20M - 7346.80M 311.10M 186.50M
Cash 300.70M 410.20M 250.70M 364.00M 605.70M
Cash and equivalents 298.60M - - 358.30M 580.90M
Total current liabilities 1396.80M 90.20M 1193.80M 1078.80M 1341.10M
Current deferred revenue - - - 227.70M 301.40M
Net debt 6331.10M 5122.00M 5519.20M 5721.90M 5259.50M
Short term debt 1396.80M - 1193.80M 779.70M 949.10M
Short long term debt - 784.00M - 779.70M 949.10M
Short long term debt total 6631.80M 5532.20M 5769.90M 6085.90M 5865.20M
Other stockholder equity - -0.00M - - -667.20M
Property plant equipment 7.90M - - 33.60M 69.20M
Total current assets 309.50M 410.20M - 3704.90M 3774.30M
Long term investments - 14.20M - 1.60M 1.60M
Net tangible assets - - - - 513.10M
Short term investments - - - - 83.60M
Net receivables 8.80M - 78.60M 3145.90M 3076.20M
Long term debt 5223.80M 5532.20M - 5306.20M 4916.10M
Inventory - - - 184.20M 0.60M
Accounts payable - 59.60M - 52.20M 79.90M
Accumulated other comprehensive income -679.30M -675.10M -652.90M -627.20M -667.20M
Non currrent assets other 11.80M 6670.40M 11.60M 6148.80M 5887.60M
Non current assets total 7825.80M 7472.60M 967.00M 4215.80M 4240.80M
Long term debt total 5229.40M - - 5330.90M 5865.20M
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 - -19.90M 10.90M 39.40M -51.90M
Change to liabilities - - - 0.00M -7.70M
Total cashflows from investing activities -7.00M -19.90M 10.90M 39.40M -238.70M
Net borrowings - 652.00M -1738.90M - -84.90M
Total cash from financing activities 227.50M 563.10M -409.40M 0.40M -55.80M
Change to operating activities - - - - 21.10M
Net income 94.00M 21.60M -137.30M 36.30M 160.90M
Change in cash -109.50M 159.50M -113.30M -241.70M 142.70M
Begin period cash flow 410.20M 250.70M 364.00M 605.70M 463.00M
End period cash flow - 410.20M 250.70M 364.00M 605.70M
Total cash from operating activities -318.10M -379.30M 307.20M -289.90M 431.70M
Issuance of capital stock - - 1447.80M 1709.30M 2706.50M
Depreciation 34.80M 80.00M 89.40M 105.60M 59.30M
Other cashflows from investing activities - 0.00M 27.90M 64.30M -154.50M
Dividends paid 72.80M -9.60M -49.80M -168.30M -81.50M
Change to account receivables - -0.90M 56.60M - -
Sale purchase of stock -11.10M - -1454.90M 0.00M 150.00M
Other cashflows from financing activities -34.20M -79.30M -1417.90M 92.20M 101.50M
Change to netincome - - - - 199.20M
Capital expenditures 7.00M 19.90M 17.00M 24.90M 84.20M
Change in working capital -839.20M -813.30M 27.50M -518.10M -21.30M
Stock based compensation - 1316.00M 2.65M - -
Other non cash items - -983.60M 324.94M - -
Free cash flow - -399.20M 290.20M -24.90M -84.20M

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)
LFS
Latitude Group Holdings Ltd		 0.04
4.22%		 0.86 9.22 - 1.59 0.66 6.49 13.37
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
LFG
Liberty Financial Group		 -
-%		 3.35 7.13 6.71 1.63 0.86 40.84 11.07
PPM
Pepper Money Ltd		 -0.02
1.11%		 1.77 7.80 5.75 1.93 0.90 45.61 -

Profile*

Latitude Group Holdings Ltd

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.

130 Lonsdale Street, Melbourne, VIC, Australia, 3000

61 3 9058 1557

https://www.latitudefinancial.com.au

742

Name Title Year Born
Mr. A. Fahour B.Ec (Hons), M.B.A., FAIM MD, CEO & Director 1967
Mr. Paul Varro Exec. GM of Fin. & Risk and CFO NA
Mr. Bob Belan Exec. Gen. Mang. of Money NA
Mr. Chris Blake Exec. Gen. Mang. of Corp. Services NA
Mr. Adrian Wong Gen. Counsel NA
Ms. Vicki Letcher BCom, BLLP, CA Company Sec. NA
Ms. Tiffany Barton Company Sec. NA
Mr. Robert Nicholas Belan MD & CEO NA
Mr. Robert Nicholas Belan MD & CEO NA
Mr. Paul Varro Executive GM of Finance & Risk and CFO NA

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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