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Company price
1.36 AUD 0.01 ( 0.37%)
Last update at 2026-11-06T04:59:00Z
VOLUME
12353
Market Cap
126.27M
P/E
9.03

Momentum Score

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NobleOak Life Limited engages in the manufacture and distribution of life insurance products in Australia. The company offers life, income protection, total and permanent disability, death, trauma, business expenses, and self managed super fund insurance plans. It sells its insurance products through direct-to-market and strategic partner channels. The company was formerly known as United Ancient Order of Druids Friendly Society of NSW and changed its name to NobleOak Life Limited in 2011. NobleOak Life Limited was founded in 1861 and is headquartered in Sydney, Australia.

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Day Price Range
1.36
Low
1.42
High
52 Week Price Range
1.05
Low
1.54
High

Momentum Score

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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

NobleOak Life Ltd is an Australian life insurer offering retail and group protection products distributed via advisers, platforms and employer arrangements. Long-term growth may be supported by rising demand for protection and expansion of distribution channels, and investors may find the company attractive for its focused niche and potential for steady cash flows.
Material risks include claim frequency and severity volatility, regulatory and policy changes in the Australian insurance sector, competitive pressure from larger incumbents and distribution platforms, investment return sensitivity and reinsurance counterparty risk.

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
1.35
Dividend Yield
-
Revenue TTM
156.54M
Revenue Per Share
1.69
Gross Profit TTM
52.33M
Debt / Equity
0.04
ROE
14.66%
Net Debt
-76.00M
ROCE
4.49%
Diluted EPS TTM
0.15

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 20.36M 15.42M 13.54M 11.35M 2.60M
Net income 14.11M 7.12M 9.28M 7.99M 1.69M
Selling general administrative - - 26.44M 29.91M 29.24M
Selling and marketing expenses - - - - 12.37M
Gross profit 9.05M 123.99M 50.26M - 180.59M
Reconciled depreciation - - 2.02M 1.64M 1.57M
Ebit 20.36M - 18.32M 14.30M 2.60M
Ebitda 22.20M 15.42M 20.33M - 4.17M
Depreciation and amortization 1.84M - 2.02M - 1.57M
Operating income 20.36M 8.24M 7.33M 11.62M 2.60M
Other operating expenses 507.50M 115.74M 373.11M - 177.99M
Interest expense - - 4.78M - 0.00M
Tax provision - 8.30M 4.26M 3.35M 0.92M
Interest income - - 12.16M 0.28M 0.25M
Net interest income - - -4.78M -0.28M -0.05M
Income tax expense 6.26M 8.30M 4.26M 3.35M 0.92M
Total revenue 527.86M 123.99M 386.65M 103.50M 180.59M
Total operating expenses -11.32M 115.74M 98.21M 182.75M 177.99M
Cost of revenue 518.81M - 60.06M - -
Total other income expense net - 7.18M 6.21M - -
Net income from continuing ops - - 9.28M 7.99M 1.69M
Net income applicable to common shares - 7.12M 9.28M 7.99M 1.69M
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 655.55M 567.29M 463.73M 341.55M 148.51M
Intangible assets 1.98M 2.62M - 4.56M 5.20M
Other current assets - 421.72M 297.67M 73.45M 27.85M
Total liab 552.02M 478.36M 392.33M 221.72M 22.51M
Total stockholder equity 103.53M 88.94M 71.41M 119.84M 111.63M
Other current liab - 113.09M 121.45M 15.79M -22.51M
Common stock 106.73M 106.35M 96.40M 95.73M 95.32M
Capital stock - - - 95.73M 95.32M
Retained earnings -4.88M -18.98M -26.10M 22.82M 14.83M
Other liab - - - -79.12M -61.28M
Good will - 0.15M 0.15M 0.15M 0.15M
Other assets - - - 3.49M 60.21M
Cash 79.81M 85.55M 63.96M 50.41M 30.26M
Cash and equivalents - - - 50.41M 30.26M
Total current liabilities - 113.86M 122.12M 295.57M 22.51M
Net debt -76.00M -85.55M -58.70M - -29.71M
Short term debt - 0.78M 0.67M 0.00M 0.56M
Short long term debt total 3.81M 4.58M 5.26M - 0.56M
Other stockholder equity - - - 1.29M 1.48M
Property plant equipment - - - 6.08M 0.66M
Total current assets 318.52M 421.72M 297.67M 237.26M 40.64M
Long term investments - - - 90.16M 41.64M
Net tangible assets - - - 115.28M 106.28M
Short term investments - - 73.54M - 27.56M
Net receivables 238.71M - - 26.33M 10.38M
Accounts payable - - - 273.24M 21.95M
Accumulated other comprehensive income 1.67M 1.57M 1.10M - 1.48M
Non currrent assets other 3.45M 560.24M -69.89M - -47.66M
Non current assets total 337.03M 567.29M 166.06M - 47.66M
Capital lease obligations - - - 5.83M 0.56M
Long term debt total - - - 5.26M 0.00M
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 - - -29.86M -108.34M -48.84M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -72.00M -45.59M -29.86M -108.81M -53.33M
Net borrowings - - -0.58M -0.90M -0.90M
Total cash from financing activities -1.11M 8.44M -1.01M -1.18M 23.77M
Change to operating activities - - - 142.11M -2.19M
Net income 14.11M 7.12M 9.28M 7.99M 1.69M
Change in cash -5.73M 21.59M 13.54M 20.15M -1.58M
Begin period cash flow 85.55M 63.96M 50.41M 30.26M 31.84M
End period cash flow 79.81M 85.55M 63.96M 50.41M 30.26M
Total cash from operating activities 67.37M 58.74M 44.42M 130.14M 27.98M
Issuance of capital stock - - - - 34.52M
Depreciation 1.84M 2.08M 2.02M 1.40M 1.49M
Other cashflows from investing activities -0.19M -45.49M -0.26M -108.34M -48.84M
Dividends paid - - - 0.00M -8.16M
Change to account receivables - -27.24M -43.37M -14.28M 1.99M
Sale purchase of stock - 9.50M - 0.00M -1.65M
Other cashflows from financing activities -1.11M -0.39M -0.44M -0.28M -0.09M
Change to netincome - - - -7.70M 24.70M
Capital expenditures 0.19M 0.11M 0.40M 0.34M 4.49M
Change in working capital 41.75M 37.35M 11.55M -59.70M -59.71M
Stock based compensation - 0.91M 0.31M - -
Other non cash items 9.67M 11.28M 21.25M - -
Free cash flow 67.18M 58.63M 44.02M 129.66M -4.49M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Life

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)
NOL
Nobleoak Life Ltd
0.01
0.37%
1.36 9.03 - 0.81 1.22 0.33
CGF
Challenger Ltd
-0.01
0.08%
12.06 21.18 17.24 2.84 1.99 6.30
CGFPD
Challenger Ltd
-0.24
0.23%
102.56 - - - - -

Profile*

Nobleoak Life Ltd

NobleOak Life Limited engages in the manufacture and distribution of life insurance products in Australia. The company offers life, income protection, total and permanent disability, death, trauma, business expenses, and self managed super fund insurance plans. It sells its insurance products through direct-to-market and strategic partner channels. The company was formerly known as United Ancient Order of Druids Friendly Society of NSW and changed its name to NobleOak Life Limited in 2011. NobleOak Life Limited was founded in 1861 and is headquartered in Sydney, Australia.

44 Market Street, Sydney, NSW, Australia, 2000

61 611 300 041 494

Name Title Year Born
Mr. Anthony R. Brown CEO & Exec. Director NA
Mr. Scott Pearson Chief Financial Officer NA
Mr. Matt Minney Head of Claims & Operations NA
Ms. Suzanne Barron BScLLB Company Sec. & GM of Legal NA
Ms. Moana Kolesi Head of Sales NA
Mr. Phil Hill Head of Underwriting NA
Mr. Matthew Wilson Chief Risk Officer NA
Ms. Tatyana Marfenko Head of Alliances NA
Mr. Hayden Jonas Chief Insurance Officer NA
Mr. Anand Sundaraj Joint Company Sec. 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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