What is Liberty Financial Group Limited's (LFG.AX) StockRank?

MoatMap's StockRank for Liberty Financial Group Limited (LFG.AX) is 44/100, with a Hold signal. This is a composite score combining Quality (46), Value (61), and Momentum (28) factor ranks across MoatMap's 20,000+ stock universe.

Does Liberty Financial Group Limited have an economic moat?

Liberty Financial Group Limited (LFG.AX) has a Quality factor score of 46/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Liberty Financial Group Limited a buy, hold, or sell?

MoatMap's current signal for Liberty Financial Group Limited (LFG.AX) is Hold, based on a StockRank of 44/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Liberty Financial Group Limited in?

Liberty Financial Group Limited (LFG.AX) operates in the Financial Services sector, specifically the Credit Services industry (Australia).

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LFG.AX

HOLDREMOVE

Liberty Financial Group Limited · Financial Services · Australia · $668M · Avg Vol: $210K/d

StockRank

P/E (TTM)

6.7x

ROE

12.1%

D/E

12.5x

Dividend %

9.1%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Liberty Financial Group is an Australian non-bank lender. It is highly sensitive to credit cycles and funding costs, lacking the capital-light compounding characteristics we seek.

COMPANY DESCRIPTION

Liberty Financial Group Limited is a leading non-bank financial services provider in Australia and New Zealand, offering a diverse range of home, commercial, auto, and personal lending solutions. The company maintains a strong market position by targeting underserved segments of the credit market through flexible, custom-tailored loan products. Its competitive moat is underpinned by proprietary credit-scoring technology, a robust capital-funding platform, and a long history of low loan-loss rates.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	284.6M	280.3M	247.3M	247.0M	-4.6%
EPS	0.51	0.42	0.27	0.31	-15.3%
Shares	303.6M	303.6M	303.6M	303.6M	0.0%
Debt	8.9B	9.8B	10.2B	10.2B	4.7%
Equity	782.8M	821.1M	839.3M	837.8M	2.3%
Op CF	-336.3M	-305.0M	-651.0M	82.7M	—
Inv CF	39.7M	-9.0M	21.0M	18.1M	—
Fin CF	331.8M	796.1M	348.5M	-137.6M	—

PRICE (1Y)-2.2%

SMA 50SMA 200

$2.22

RSI (14)

52.8

52W High

$3.04

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC

11.5%87.8

ROE

12.1%61.2

GP/Assets

4.1%48.2

Op. Margin

29.4%46.5

FCF/Assets

—N/A

Piotroski

777.0

Int. Cover

1.4x18.5

D/E Ratio

12.46x1.7

Current Ratio

0.21x8.5

Value

P/E (TTM)

6.7x85.4

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.8x79.2

P/S

1.6x80.2

Div Yield

9.1%90.9

Momentum

52W High %

73%20.5

RS 6M

-20%21.7

SMA 50/200

0.87x8.9

EPS Rev 4W

+6.4%93.2

EPS Rev 12W

—N/A

EPS Improve

+19%46.4

Q Growth

16%52.6

FUNDAMENTALS

Market Cap

$668M

P/E (Forward)

5.6x

Gross Margin

100.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of LFG.AX are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
LFG.AX	Liberty Financial Group Limited(you)	$668M	44	HOLD
PPM.AX	Pepper Money Limited	$513M	33	SELL
CCP.AX	Credit Corp Group Limited	$624M	61	HOLD
SVR.AX	Solvar Limited	$203M	55	HOLD
HUM.AX	Humm Group Limited	$161M	33	SELL
ZIP.AX	Zip Co Limited	$2.5B	30	SELL
PNC.AX	Pioneer Credit Limited	$61M	45	HOLD
PLT.AX	Plenti Group Limited	$103M	22	SELL
MYS.AX	MyState Limited	$558M	42	HOLD
PL8.AX	Plato Income Maximiser Limited	$710M	53	HOLD

Peer medians: ROE 9.9% · P/E 16.0x · Gross margin 70.4%

Liberty Financial Group Limited (LFG.AX) — Stock Score Summary

Liberty Financial Group Limited (LFG.AX) has a MoatMap StockRank of 44/100 based on Quality (46/100), Value (61/100), and Momentum (28/100) factor scores. The current signal is HOLD. Liberty Financial Group is an Australian non-bank lender. It is highly sensitive to credit cycles and funding costs, lacking the capital-light compounding characteristics we seek.

Key Financial Metrics

Price	$2.22
Market Cap	$668M
P/E (TTM)	6.66
P/E (Forward)	5.59
Price/Book	0.80
Return on Equity	12.1%
Return on Invested Capital	11.5%
Debt/Equity	1246.04
Gross Margin	100.0%
Operating Margin	29.4%
Revenue Growth	2.1%
Dividend Yield	9.1%

Liberty Financial Group Limited operates in the Credit Services industry, part of the Financial Services sector (Australia).

Frequently Asked Questions

What is Liberty Financial Group Limited’s (LFG.AX) StockRank?: MoatMap’s StockRank for Liberty Financial Group Limited (LFG.AX) is 44/100, with a Hold signal. It is a composite of Quality (46), Value (61), and Momentum (28) factor ranks across MoatMap’s 20,000+ stock universe.
Does Liberty Financial Group Limited have an economic moat?: Liberty Financial Group Limited (LFG.AX) has a Quality factor score of 46/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Liberty Financial Group Limited a buy, hold, or sell?: MoatMap’s current signal for Liberty Financial Group Limited (LFG.AX) is Hold, based on a StockRank of 44/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Liberty Financial Group Limited in?: Liberty Financial Group Limited (LFG.AX) operates in the Financial Services sector, specifically the Credit Services industry (Australia).