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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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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
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.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| 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 |
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 | - | - | - | - | - |
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.
| 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 |
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