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OFX Group Ltd (OFX) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of OFX Group Ltd stock A$0.91, price A$0.45, upside +102.2%, quality 64 out of 100. Rating: strongly undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services AU · ISIN AU000000OFX5

OG OFX Group Ltd logo Thin data Nov 7, 2026

OFX Group Ltd

OFX · AU
Meets all rules

The stock costs 51% less than our calculation considers fair.

Fair value A$0.9100 · Strongly undervalued
Quality 64/100
Low debt
Generates free cash flow
Even on cautious assumptions the value is 26% above the price (A$0.5660).
Mixed vs. peers (6/11)
Weak Growth (revenue 3y −2.4 %/yr in AUD)
Loss-making · -0.2% net margin (TTM)
Narrow moat 22/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

A$2.83 A$0.3850 Fair Value A$0.9100 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range A$0.3850 – A$2.83 · fair‑value band A$0.5660 – A$1.38 · the A$0.4500 price screens below the A$0.9100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

OFX Group Limited provides international payments and foreign exchange services in the Asia Pacific, North America, Europe, the Middle East, and Africa.

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The company offers business accounts, payments and transfers, corporate cards, currency accounts, FX solutions, batch and payroll payments, spot transfers, forward contracts, control hub, spend management, accounts payable and bill payments services.

It offers products and services to consumers, corporates, online sellers, and enterprise clients. The company was formerly known as OzForex Group Limited and changed its name to OFX Group Limited in September 2016. OFX Group Limited was founded in 1998 and is headquartered in Sydney, Australia.

Stock analysis

OFX Group Ltd (OFX) currently trades at A$0.4500, while our model-based Fair Value estimate is A$0.9100, implying the stock looks roughly 51% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of A$2.11 per share, and 3 of the 4 models we run sit above the A$0.4500 price.

Bear case: the Asset-Based group reads lowest at A$0.1700, and 1 of the 4 models stay below the price. Data coverage for this calculation is low.

Scenario range: A$0.5660 (bear) to A$1.38 (bull), the price of A$0.4500 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

OFX Group Ltd reported revenue of A$213M in FY2026 versus A$158M in FY2022, a compound +7.7%/yr. Reported net income was −A$391K in FY2026.

Key figures

Market cap A$105M (≈ $72.1M) Micro · P/S ratio 0.44 · Net margin −0.2% · Return on equity −0.2% · Return on assets (EBIT) 5.8% (5-year average) · Operating margin −3.5% · Revenue (TTM) A$213M · Revenue growth (YoY) −11.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 22 out of 100 (low confidence).

What moves the price

The share trades about 46% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −11% fair-value upside, at 102%, OFX screens cheaper than that median.

Fair Value models

Bear A$0.5660 Fair Value A$0.9100 Bull A$1.38
Price A$0.4500 · Upside +102.2%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCF A$1.35 A$2.09 A$3.16 75
Owner Earnings A$1.30 A$2.11 A$3.36 73
Rev-Margin DCF A$0.6300 A$0.7800 A$0.9700 71
All 4 models by family
DCF Models
Owner Earnings A$1.30 A$2.11 A$3.36 73
Asset-Based
NCAV (Graham) A$0.1300 A$0.1700 A$0.2600 54
Growth DCF
Growth DCF A$1.35 A$2.09 A$3.16 75
Rev-Margin DCF A$0.6300 A$0.7800 A$0.9700 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 64/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 20
How much profit the company makes from its sales and capital
Quality Growth 61
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 37
Debt, balance sheet and risk of trouble
Investment 88
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 16
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 12
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.6%
Start year 2021 (pandemic). Over 10 years: +6.6% a year
Revenue growth 16 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.0%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
13.3% (2021) → 0.7% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 384 stocks

Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 64 · Above median
Fair Value upside +102.2% · Top 25%
Profitability
Return on assets −0.1% · Bottom 25%
Net margin (12 months) −0.2% · Bottom 25%
Operating margin (12 months) −3.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −11.2% · Bottom 25%
Balance sheet
Debt / equity 0.10× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/B 0.60× · Cheapest 25%
P/S (12 months) 0.49× · Cheapest 25%
Price / free cash flow (fiscal year) 0.8× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 42
FUTURE (revenue growth)0 · sector 68
PAST (return on equity)0 · sector 38
HEALTH (low debt)95 · sector 94
DIVIDEND (yield)0 · sector 47

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Morgan Stanley MS $181.44 $260.72 +44% vs OFX
The Charles Schwab Corporation SCHW $91.49 $117.60 +29% vs OFX
Guotai Haitong Securities Co 601211 ¥16.46 ¥18.02 +9% vs OFX
Nomura Holdings NMR $9.42 $10.17 +8% vs OFX
The Goldman Sachs Group GS $865.82 $766.86 −11% vs OFX
CITIC Securities Company 600030 ¥25.72 ¥20.42 −21% vs OFX
Robinhood Markets, Inc HOOD $80.91 $47.60 −41% vs OFX
Macquarie Group MQG A$247.94 A$123.84 −50% vs OFX
East Money Information Co 300059 ¥18.78 ¥6.72 −64% vs OFX
Interactive Brokers Group IBKR $75.82 $17.48 −77% vs OFX

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OFX Group Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "OFX Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/OFX

Frequently asked questions

Is OFX Group Ltd (OFX) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of A$0.9100 versus a price of A$0.4500, about +102% upside (undervalued).
What is the fair value of OFX?
Our model-based fair value for OFX Group Ltd is A$0.9100 (as of Nov 7, 2026), built from audited fundamentals. The current price: A$0.4500.
What is the quality score of OFX?
OFX Group Ltd has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for OFX Group Ltd (OFX)?
Our model-based price target is the fair value of A$0.9100 (as of Nov 7, 2026) from 4 valuation models. Cautious scenario A$0.5660, optimistic scenario A$1.38. It is a calculation from audited fundamentals, not an analyst target.
What is the OFX Group Ltd stock forecast for 2026?
Our models put fair value at A$0.9100, about +102% upside versus a price of A$0.4500 (undervalued). Cautious scenario A$0.5660, optimistic scenario A$1.38. The calculation is refreshed regularly with new filings.
What is the revenue of OFX Group Ltd (OFX)?
OFX Group Ltd reported trailing-twelve-month revenue of about A$213M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of OFX Group Ltd (OFX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OFX Group Ltd it is A$0.9100 per share (as of Nov 7, 2026), against a price of A$0.4500. It is the blended result of 4 valuation models in 3 families (DCF Models, Asset-Based, Growth DCF).
Is OFX Group Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, OFX trades below its calculated fair value: price A$0.4500, fair value A$0.9100, a gap of about +102% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OFX?
No. The price is what the market pays today (A$0.4500); the fair value is what the company's own numbers justify (A$0.9100). For OFX Group Ltd the two are A$0.4600 per share apart. That gap is exactly why we show both numbers side by side.
How much is OFX Group Ltd worth?
The market values OFX Group Ltd at about A$105M (market capitalisation, as of Nov 7, 2026). Per share that is A$0.4500; our models calculate a fair value of A$0.9100 per share.
What do the bullish and bearish scenarios say about OFX?
Our models span a range for OFX Group Ltd: cautious scenario A$0.5660, base A$0.9100, optimistic A$1.38 per share (as of Nov 7, 2026, price A$0.4500). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of OFX Group Ltd (OFX)?
Balance-sheet figures for OFX Group Ltd (as of Nov 7, 2026): return on equity −0.2%, debt of 0.10 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is OFX from its 52-week high?
OFX Group Ltd trades at A$0.4500, about 46% below its 52-week high of A$0.8300 and 17% above the low of A$0.3850 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.9100 is for.
Which stocks are comparable to OFX Group Ltd?
From the same area (Financial Services) we also value Morgan Stanley, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is OFX Group Ltd stock attractive at the current price?
The data as of Nov 7, 2026: price A$0.4500, calculated fair value A$0.9100 (+102%), Quality Score 64/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OFX calculated?
We run OFX Group Ltd through 4 models from 3 families: DCF Models, Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of A$0.9100 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. OFX Group Ltd currently trades 51% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of OFX Group Ltd (OFX)?
The closing price on Nov 9, 2026 was A$0.4500. Our model-based fair value is A$0.9100, about +102% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OFX Group Ltd right now?
The price is below even our cautious bear case (A$0.5660). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (A$0.5660 to A$1.38) leaves room in how you read the outcome.
Where does the earnings growth of OFX Group Ltd (OFX) come from?
Earnings per share at OFX Group Ltd grew +2.9 % a year from 2015 to 2026. Broken into its drivers: revenue per share +1.6 %, EBIT margin +0.9 %, tax rate +1.8 %, residual (interest, one-offs) −1.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of OFX Group Ltd

How large is the market capitalisation of OFX Group Ltd (OFX)?
The market capitalisation of OFX Group Ltd is A$105M (≈ $72.1M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of OFX Group Ltd (OFX)?
The price-to-sales ratio of OFX Group Ltd is 0.44 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of OFX Group Ltd (OFX)?
The net margin of OFX Group Ltd is −0.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of OFX Group Ltd (OFX)?
The return on equity (ROE) of OFX Group Ltd is −0.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of OFX Group Ltd (OFX)?
On an EBIT basis the return on assets of OFX Group Ltd is 5.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of OFX Group Ltd (OFX)?
The operating margin of OFX Group Ltd is −3.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OFX Group Ltd (OFX)?
Revenue at OFX Group Ltd is growing −11.2% versus a year earlier (3y avg −2.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at OFX Group Ltd (OFX)?
Earnings per share at OFX Group Ltd are growing −77.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does OFX Group Ltd (OFX) generate?
The free cash flow of OFX Group Ltd is A$140M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does OFX Group Ltd (OFX) hold?
OFX Group Ltd holds more cash than debt, A$14.6M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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