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

As of Nov 9, 2026: fair value (intrinsic value) of Plenti Group Ltd stock A$0.49, price A$0.76, that is 35.5% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 8 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services AU · ISIN AU0000102691

PG Plenti Group Ltd logo Thin data Nov 7, 2026

Plenti Group Ltd

PLT · AU
Very expensive, in a downtrend

Our calculation puts a fair price 36% below what the stock costs today.

Healthy Growth (revenue 5y +43.4 %/yr in AUD)
Solidly profitable · 11.5% net margin (TTM)
Revenue last quarter +27% vs. a year ago.
Quality 52/100
Moderate moat 49/100 · thin data
Fair value A$0.4900 · Strongly overvalued
Trails peers (5/13)
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$1.60 A$0.3300 Fair Value A$0.4900 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$0.3300 – A$1.60 · fair‑value band A$0.4200 – A$0.6500 · the A$0.7600 price screens above the A$0.4900 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

Plenti Group Limited operates as a digital lender company to consumer and commercial borrowers in Australia.

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It personal, car, debt consolidation, holiday, EV, green, wedding, motorcycle, caravan, dental, funeral, education, jet ski, moving costs, secured car, unsecured personal, and car repair loans, as well renewable energy loans.

The company also provides auto refinancing; and invest in fixed income, green income, and provision fund. Plenti Group Limited was founded in 2014 and is headquartered in Sydney, Australia.

Stock analysis

Plenti Group Ltd (PLT) currently trades at A$0.7600, while our model-based Fair Value estimate is A$0.4900, 36% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of A$3.20 per share, and 3 of the 6 models we run sit above the A$0.7600 price.

Bear case: the Asset-Based group reads lowest at A$0.3200, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: A$0.4200 (bear) to A$0.6500 (bull), the price of A$0.7600 sits above 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 52/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Plenti Group Ltd reported revenue of A$312M in FY2025 versus A$88.5M in FY2021, a compound +37.1%/yr. Reported net income was A$14.3M in FY2025.

Key figures

Market cap A$138M (≈ $94.9M) Micro · P/E ratio 9.5 · P/S ratio 1.11 · EPS (TTM) A$0.0800 · Net margin 11.5% · Return on equity 21.8% · Return on assets (EBIT) 3.6% (5-year average) · Operating margin 9.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).

What moves the price

The share trades about 43% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at −36%, PLT screens richer than that median.

Fair Value models

Bear A$0.4200 Fair Value A$0.4900 Bull A$0.6500
Price A$0.7600 · Downside -35.5%
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. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (A$0.0686 per share) are deliberately not added. 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 n/a n/a A$7.74 73
Owner Earnings n/a n/a A$10.85 71
Residual Income A$0.4200 A$0.4900 A$0.6500 68
All 8 models by family
DCF Models
Owner Earnings n/a n/a A$10.85 71
Earnings-Based
Graham-Dodd A$0.5300 A$3.68 A$5.16 61
Lynch FV A$1.90 A$2.71 A$3.53 59
Multiples
P/E Multiple A$0.7600 A$1.01 A$1.26 63
P/B Multiple A$0.5000 A$0.6700 A$0.8400 55
Asset-Based
NCAV (Graham) A$0.2400 A$0.3200 A$0.4800 54
Growth DCF
Growth DCF n/a n/a A$7.74 73
Economic Profit
Residual Income A$0.4200 A$0.4900 A$0.6500 68

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

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

Profitability 26
How much profit the company makes from its sales and capital
Quality Growth 60
Are margins and returns getting better?
Cashflow 82
Do the profits arrive as real cash?
Financial strength 25
Debt, balance sheet and risk of trouble
Investment 35
Does it invest with discipline instead of growing at any price?
Low Volatility 20
How calm the share price moves, does not count
Price momentum 22
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 6
Distance to the 52-week high, does not count
New shares 83
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. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+35.0%
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.
+29.6%
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.
+43.4%
Start year 2020 (pandemic)
Revenue growth 8 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.
+44.8%
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.
−15.4% (2020) → 56.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed

PLT screens overvalued: fair value 36% below the price. Compare with Visa Inc →

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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.Credit Services · 283 stocks

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −35.5% · Below median
Profitability
Return on equity (12 months) 21.8% · Top 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 11.5% · Bottom 25%
Operating margin (12 months) 9.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 26.6% · Above median
Balance sheet
Debt / equity 34.19× · Highest 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 9.5× · Cheaper than median
P/B 1.55× · Pricier than median
P/S (12 months) 1.11× · Cheapest 25%
Price / free cash flow (fiscal year) 2.8× · Cheaper than median
EV/EBITDA 16.4× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 59
FUTURE (revenue growth)100 · sector 57
PAST (return on equity)87 · sector 39
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 64

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $73.74 $141.92 +92% vs PLT
PayPal Holdings PYPL $59.24 $107.45 +81% vs PLT
Shriram Finance Limited SHRIRAMFIN ₹961.15 ₹1,309 +36% vs PLT
Affirm Holdings AFRM $68.11 $74.92 +10% vs PLT
Bajaj Finance Limited BAJFINANCE ₹1,088 ₹1,055 −3% vs PLT
American Express Company AXP $320.99 $210.02 −35% vs PLT
Visa Inc V $422.65 $242.87 −43% vs PLT
Mastercard Incorporated MA $652.70 $360.13 −45% vs PLT
Capital One Financial Corporation COF $201.87 $106.81 −47% vs PLT
SoFi Technologies, Inc SOFI $16.21 $5.51 −66% vs PLT

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Plenti Group Ltd: fair value per Fair Value Calculator

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

Frequently asked questions

Is Plenti Group Ltd (PLT) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of A$0.4900 versus a price of A$0.7600, about 36% lower (overvalued).
What is the fair value of PLT?
Our model-based fair value for Plenti Group Ltd is A$0.4900 (as of Nov 7, 2026), built from audited fundamentals. The current price: A$0.7600.
What is the quality score of PLT?
Plenti Group Ltd has a Quality Score of 52/100. 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 Plenti Group Ltd (PLT)?
Our model-based price target is the fair value of A$0.4900 (as of Nov 7, 2026) from 8 valuation models. Cautious scenario A$0.4200, optimistic scenario A$0.6500. It is a calculation from audited fundamentals, not an analyst target.
What is the Plenti Group Ltd stock forecast for 2026?
Our models put fair value at A$0.4900, about 36% lower versus a price of A$0.7600 (overvalued). Cautious scenario A$0.4200, optimistic scenario A$0.6500. The calculation is refreshed regularly with new filings.
What is the revenue of Plenti Group Ltd (PLT)?
Plenti Group Ltd reported trailing-twelve-month revenue of about A$124M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Plenti Group Ltd (PLT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Plenti Group Ltd it is A$0.4900 per share (as of Nov 7, 2026), against a price of A$0.7600. It is the blended result of 8 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Plenti Group Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, PLT trades above its calculated fair value: price A$0.7600, fair value A$0.4900, a gap of about −36% (overvalued). 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 PLT?
No. The price is what the market pays today (A$0.7600); the fair value is what the company's own numbers justify (A$0.4900). For Plenti Group Ltd the two are A$0.2700 per share apart. That gap is exactly why we show both numbers side by side.
How much is Plenti Group Ltd worth?
The market values Plenti Group Ltd at about A$138M (market capitalisation, as of Nov 7, 2026). Per share that is A$0.7600; our models calculate a fair value of A$0.4900 per share.
What do the bullish and bearish scenarios say about PLT?
Our models span a range for Plenti Group Ltd: cautious scenario A$0.4200, base A$0.4900, optimistic A$0.6500 per share (as of Nov 7, 2026, price A$0.7600). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PLT?
Plenti Group Ltd trades at a price-to-earnings ratio of 9.5 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.4900 is built from several models across several years. Other multiples: P/B 1.6, P/S 1.1, EV/EBITDA 16.4.
How solid is the balance sheet of Plenti Group Ltd (PLT)?
Balance-sheet figures for Plenti Group Ltd (as of Nov 7, 2026): return on equity 21.8%. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is PLT from its 52-week high?
Plenti Group Ltd trades at A$0.7600, about 43% below its 52-week high of A$1.34 and 13% above the low of A$0.6750 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.4900 is for.
Which stocks are comparable to Plenti Group Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Plenti Group Ltd stock attractive at the current price?
The data as of Nov 7, 2026: price A$0.7600, calculated fair value A$0.4900 (−36%), Quality Score 52/100, from 8 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 PLT calculated?
We run Plenti Group Ltd through 8 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$0.4900 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. Plenti Group Ltd itself currently trades above fair value. 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 Plenti Group Ltd (PLT)?
The closing price on Nov 9, 2026 was A$0.7600. Our model-based fair value is A$0.4900, about 36% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Plenti Group Ltd right now?
The price sits above even our optimistic bull case (A$0.6500). The favourable scenario is already priced in. 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 but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Plenti Group Ltd

How large is the market capitalisation of Plenti Group Ltd (PLT)?
The market capitalisation of Plenti Group Ltd is A$138M (≈ $94.9M). 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 Plenti Group Ltd (PLT)?
The price-to-sales ratio of Plenti Group Ltd is 1.11 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Plenti Group Ltd (PLT)?
Earnings per share at Plenti Group Ltd are A$0.0800 (price ÷ EPS = P/E 9.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Plenti Group Ltd (PLT)?
The net margin of Plenti Group Ltd is 11.5% (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 Plenti Group Ltd (PLT)?
The return on equity (ROE) of Plenti Group Ltd is 21.8% (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 Plenti Group Ltd (PLT)?
On an EBIT basis the return on assets of Plenti Group Ltd is 3.6% (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 Plenti Group Ltd (PLT)?
The operating margin of Plenti Group Ltd is 9.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Plenti Group Ltd (PLT)?
Revenue at Plenti Group Ltd is growing +26.6% versus a year earlier (3y avg +29.6%). 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 Plenti Group Ltd (PLT)?
Earnings per share at Plenti Group Ltd are growing −83.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Plenti Group Ltd (PLT) generate?
The free cash flow of Plenti Group Ltd is A$48.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Plenti Group Ltd (PLT) carry?
The net debt of Plenti Group Ltd is A$2.8B (fiscal year 2025, ≈ 57.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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