EN DE
Watch Resimac Group Ltd for free: we tell you when fair value or trend changes.
Data-driven stock valuation

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

As of Nov 9, 2026: fair value (intrinsic value) of Resimac Group Ltd stock A$1.62, price A$0.83, upside +95.2%, quality 47 out of 100. Rating: strongly undervalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services AU · ISIN AU0000033094

RG Resimac Group Ltd logo Thin data Nov 6, 2026

Resimac Group Ltd

RMC · AU
Cheap, value-trap risk

The stock costs 49% less than our calculation considers fair.

Fair value A$1.62 · Strongly undervalued
Highly profitable · 25.4% net margin (TTM)
12.0% dividend yield · Sustainable
Costs just 6.9 times its yearly profit.
Quality 47/100
Mixed Growth (revenue 5y +17.5 %/yr in AUD)
Mixed vs. peers (7/13)
Moderate moat 63/100 · thin data
Thin data
Watch Resimac Group Ltd for free: we tell you when fair value or trend changes. Watch for free

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$1.46 A$0.5540 Fair Value A$1.62 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range A$0.5540 – A$1.46 · fair‑value band A$0.8500 – A$2.02 · the A$0.8300 price screens below the A$1.62 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

Follow Resimac Group in your weekly email

Every Wednesday you see whether Resimac Group is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Resimac Group Limited provides residential mortgage and asset finance lending products in Australia and New Zealand. The company operates through Home Loan Lending business, New Zealand Lending, and Asset Finance Lending segments.

Show moreShow less

It offers prime and specialist lending products; SME/commercial finance products; and home, equipment, secured, novated leasing, and car loans.

It also provides mortgage originator and trustee, lender, mortgage manager and broker, consumer and commercial lending, managed investment trust, and LMI captive insurer services.

In addition, it acts as a trust manager and servicer; warehouse mortgages; and an issuer of residential mortgage-backed securities.

The company offers its products and services through brokers and wholesale channel primarily under the Resimac, Resimac (NZ), Resimac Asset Finance, and homeloans.com.au brand names.

The company was formerly known as Homeloans Limited and changed its name to Resimac Group Resimac Group Limited in December 2018. Resimac Group Limited was founded in 1985 and is based in Sydney, Australia.

Stock analysis

Resimac Group Ltd (RMC) currently trades at A$0.8300, while our model-based Fair Value estimate is A$1.62, implying the stock looks roughly 49% undervalued today.

Show more

Valuation

Bull case: the Earnings-Based group reads highest at a median of A$5.13 per share, and 7 of the 8 models we run sit above the A$0.8300 price.

Bear case: the Asset-Based group reads lowest at A$0.5700, and 1 of the 8 models stay below the price. Data coverage for this calculation is low.

Scenario range: A$0.8500 (bear) to A$2.02 (bull), the price of A$0.8300 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 47/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Resimac Group Ltd reported revenue of A$1.1B in FY2026 versus A$501M in FY2022, a compound +20.9%/yr. Reported net income was A$49.2M in FY2026, compounding −16.7%/yr from FY2022.

Key figures

Market cap A$330M (≈ $227M) Micro · P/E ratio 6.9 · P/S ratio 1.70 · EPS (TTM) A$0.1200 · Dividend yield 12.0% · Net margin 25.4% · Return on equity 13.4% · Return on assets (EBIT) 3.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).

What moves the price

The share trades about 22% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at 95%, RMC screens cheaper than that median.

Fair Value models

Bear A$0.8500 Fair Value A$1.62 Bull A$2.02
Price A$0.8300 · Upside +95.2%
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 2026 figures (about 4 months old). Earnings retained since then (A$0.0072 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
Residual Income A$0.7800 A$0.8700 A$1.02 74
Owner Earnings n/a n/a A$18.32 71
Gordon GGM A$1.06 A$1.69 A$2.12 67
All 9 models by family
DCF Models
Owner Earnings n/a n/a A$18.32 71
Earnings-Based
Graham-Dodd A$0.8500 A$5.90 A$8.28 61
Lynch FV A$3.05 A$4.35 A$5.66 59
Dividend Discount
Gordon GGM A$1.06 A$1.69 A$2.12 67
DDM Multi-Stage A$1.06 A$1.64 A$1.83 65
Multiples
P/E Multiple A$1.21 A$1.62 A$2.02 63
P/B Multiple A$0.8100 A$1.09 A$1.36 55
Asset-Based
NCAV (Graham) A$0.4300 A$0.5700 A$0.8500 54
Economic Profit
Residual Income A$0.7800 A$0.8700 A$1.02 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 47/100

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

Profitability 23
How much profit the company makes from its sales and capital
Quality Growth 52
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 14
Debt, balance sheet and risk of trouble
Investment 91
Does it invest with discipline instead of growing at any price?
Low Volatility 43
How calm the share price moves, does not count
Price momentum 33
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 17
Distance to the 52-week high, does not count
New shares 90
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. 57/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+5.6%
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.
+17.5%
Start year 2021 (pandemic)
Revenue growth 26 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.
+12.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+32.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+20.6%
Dividend (yield on the price)12.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−13.2% vs 24.6%, slowing
Profit margin 2021 to 2026 ⓘ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.79% → 87%
Pace: the 5-year rate starts in 2021 (pandemic)

Watch RMC, get fair value alerts →

Compare Resimac Group Ltd with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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.Mortgage Finance · 49 stocks

Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 47 · Below median
Fair Value upside +95.2% · Top 25%
Profitability
Return on equity (12 months) 13.4% · Above median
Return on assets 0.3% · Bottom 25%
Net margin (12 months) 25.4% · Below median
Operating margin (12 months) 33.3% · Below median
Growth and dividend
Revenue growth (quarter YoY) −2.4% · Bottom 25%
Dividend yield (12 months) 12.0% · Top 25%
Balance sheet
Debt / equity 29.39× · Highest 25%

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/E (12 months) 6.9× · Cheapest 25%
P/B 0.90× · Cheaper than median
P/S (12 months) 1.70× · Cheaper than median
EV/EBITDA 11.1× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 56
FUTURE (revenue growth)0 · sector 31
PAST (return on equity)54 · sector 37
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 100

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 Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
LIC Housing Finance Limited LICHSGFIN ₹536.00 ₹1,040 +94% vs RMC
PennyMac Financial Services, Inc PFSI $65.59 $125.39 +91% vs RMC
Can Fin Homes Limited CANFINHOME ₹748.95 ₹1,060 +42% vs RMC
PNB Housing Finance Limited PNBHOUSING ₹1,100 ₹1,329 +21% vs RMC
Aadhar Housing Finance Limited AADHARHFC ₹429.65 ₹497.00 +16% vs RMC
Walker & Dunlop, Inc WD $39.05 $32.26 −17% vs RMC
Bajaj Housing Finance Limited BAJAJHFL ₹80.00 ₹39.96 −50% vs RMC
Home First Finance Company HOMEFIRST ₹1,091 ₹226.97 −79% vs RMC
UWM Holdings UWMC $1.52 $0.2200 −86% vs RMC
Rocket Companies, Inc RKT $15.06 $1.79 −88% vs RMC

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Resimac Group Ltd: fair value per Fair Value Calculator

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

Frequently asked questions

Is Resimac Group Ltd (RMC) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of A$1.62 versus a price of A$0.8300, about +95% upside (undervalued).
What is the fair value of RMC?
Our model-based fair value for Resimac Group Ltd is A$1.62 (as of Nov 6, 2026), built from audited fundamentals. The current price: A$0.8300.
What is the quality score of RMC?
Resimac Group Ltd has a Quality Score of 47/100. 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 Resimac Group Ltd (RMC)?
Our model-based price target is the fair value of A$1.62 (as of Nov 6, 2026) from 9 valuation models. Cautious scenario A$0.8500, optimistic scenario A$2.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Resimac Group Ltd stock forecast for 2026?
Our models put fair value at A$1.62, about +95% upside versus a price of A$0.8300 (undervalued). Cautious scenario A$0.8500, optimistic scenario A$2.02. The calculation is refreshed regularly with new filings.
Does Resimac Group Ltd pay a dividend?
Resimac Group Ltd currently shows a dividend yield of 12.05% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Resimac Group Ltd (RMC) and when is the ex-dividend date?
Resimac Group Ltd pays a dividend of A$0.1 per share a year, a dividend yield of 12.0%. The last ex-dividend date was Sep 3, 2026. A dividend has been paid every year since 2005. The payout ratio is 83.3% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of Resimac Group Ltd (RMC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Resimac Group Ltd it is A$1.62 per share (as of Nov 6, 2026), against a price of A$0.8300. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Resimac Group Ltd stock overvalued or undervalued in 2026?
As of Nov 6, 2026, RMC trades below its calculated fair value: price A$0.8300, fair value A$1.62, a gap of about +95% (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 RMC?
No. The price is what the market pays today (A$0.8300); the fair value is what the company's own numbers justify (A$1.62). For Resimac Group Ltd the two are A$0.7900 per share apart. That gap is exactly why we show both numbers side by side.
How much is Resimac Group Ltd worth?
The market values Resimac Group Ltd at about A$330M (market capitalisation, as of Nov 6, 2026). Per share that is A$0.8300; our models calculate a fair value of A$1.62 per share.
What do the bullish and bearish scenarios say about RMC?
Our models span a range for Resimac Group Ltd: cautious scenario A$0.8500, base A$1.62, optimistic A$2.02 per share (as of Nov 6, 2026, price A$0.8300). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RMC?
Resimac Group Ltd trades at a price-to-earnings ratio of 6.9 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$1.62 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 8.2. Other multiples: P/B 0.9, P/S 1.7, EV/EBITDA 11.1.
How solid is the balance sheet of Resimac Group Ltd (RMC)?
Balance-sheet figures for Resimac Group Ltd (as of Nov 6, 2026): return on equity 13.4%. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is RMC from its 52-week high?
Resimac Group Ltd trades at A$0.8300, about 22% below its 52-week high of A$1.07 and 6% above the low of A$0.7800 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of A$1.62 is for.
Which stocks are comparable to Resimac Group Ltd?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, LIC Housing Finance Limited, 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 Resimac Group Ltd stock attractive at the current price?
The data as of Nov 6, 2026: price A$0.8300, calculated fair value A$1.62 (+95%), Quality Score 47/100, from 9 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 RMC calculated?
We run Resimac Group Ltd through 9 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$1.62 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. Resimac Group Ltd currently trades 49% 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 Resimac Group Ltd (RMC)?
The closing price on Nov 9, 2026 was A$0.8300. Our model-based fair value is A$1.62, about +95% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Resimac Group Ltd right now?
The large discount to fair value meets weak quality (47/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (A$0.8500). 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. A fairly wide model range (A$0.8500 to A$2.02) leaves room in how you read the outcome.

Key figures of Resimac Group Ltd

How large is the market capitalisation of Resimac Group Ltd (RMC)?
The market capitalisation of Resimac Group Ltd is A$330M (≈ $227M). 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 Resimac Group Ltd (RMC)?
The price-to-sales ratio of Resimac Group Ltd is 1.70 (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 Resimac Group Ltd (RMC)?
Earnings per share at Resimac Group Ltd are A$0.1200 (price ÷ EPS = P/E 6.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Resimac Group Ltd (RMC)?
The dividend yield of Resimac Group Ltd is 12.0% (payout 83.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Resimac Group Ltd (RMC)?
The net margin of Resimac Group Ltd is 25.4% (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 Resimac Group Ltd (RMC)?
The return on equity (ROE) of Resimac Group Ltd is 13.4% (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 Resimac Group Ltd (RMC)?
On an EBIT basis the return on assets of Resimac Group Ltd is 3.9% (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 Resimac Group Ltd (RMC)?
The operating margin of Resimac Group Ltd is 33.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Resimac Group Ltd (RMC)?
Revenue at Resimac Group Ltd is growing −2.4% versus a year earlier (3y avg +5.6%). 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 Resimac Group Ltd (RMC)?
Earnings per share at Resimac Group Ltd are growing −0.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Resimac Group Ltd (RMC) generate?
The free cash flow of Resimac Group Ltd is −A$569M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Resimac Group Ltd (RMC) carry?
The net debt of Resimac Group Ltd is A$16.1B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Resimac Group Ltd in the live analysis

One click puts Resimac Group Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.