Generation Development Group Ltd (GDG) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Generation Development Group Ltd A$1.05, price A$2.98, upside -64.6%, quality 23 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Generation Development Group Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range A$0.7085 – A$7.58 · fair‑value band A$0.7905 – A$1.36 · the A$2.98 price screens above the A$1.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow Generation Development Group in your weekly email
Every Wednesday you see whether Generation Development 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.
Generation Development Group Limited engages in the diversified financial service business in Australia. The company operates through Benefit Funds Management and Funds Administration; Investment solutions, Research and Ratings; and Managed Account Businesses segments.
Show more
Generation Development Group Limited engages in the diversified financial service business in Australia. The company operates through Benefit Funds Management and Funds Administration; Investment solutions, Research and Ratings; and Managed Account Businesses segments. It provides management and administration services to institutional clients; and connects financial advisers, fund managers, and super funds with the tools, data, and insights. The company also offers investment-linked and life insurance products comprising tax-effective investment solutions for individuals, advisers, and institutions, as well as investment research, ratings, and portfolio services. In addition, it provides funds management services, including the management and distribution of investment products; and investment management and tailored managed account solutions. The company was formerly known as Austock Group Limited and changed its name to Generation Development Group Limited in March 2018. Generation Development Group Limited was founded in 1991 and is based in Melbourne, Australia.
Stock analysis
Generation Development Group Ltd (GDG) currently trades at A$2.98, while our model-based Fair Value estimate is A$1.05, implying the stock looks roughly 182.7% overvalued today.
Show more
Valuation
Bull case: the Earnings-Based group reads highest at a median of A$3.35 per share, and 4 of the 13 models we run sit above the A$2.98 price.
Bear case: the Dividend Discount group reads lowest at A$0.2900, and 9 of the 13 models stay below the price. Evidence for this calculation is medium.
Scenario range: A$0.7905 (bear) to A$1.36 (bull), the price of A$2.98 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 23/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Generation Development Group Ltd reported revenue of A$616M in FY2025 versus A$113M in FY2021, a compound +52.8%/yr. Reported net income was A$38.2M in FY2025, compounding +97.1%/yr from FY2021.
Key figures
Market cap A$1.5B (≈ $1.0B) · P/S ratio 2.74 · EPS (TTM) A$−0.1300 · Dividend yield 0.7% · Net margin 6.2% · Return on equity −6.4% · Return on assets (EBIT) 5.3% · Operating margin −3.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 61% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −4% fair-value upside, at −65%, GDG screens richer than that median.
Fair Value models
Bear A$0.7905Fair Value A$1.05Bull A$1.36
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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.61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+88.7%
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.
+87.9%
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.
+60.9%
Start year 2020 (pandemic). Over 10 years: +56.4% a year
Revenue growth 21 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.
+17.4%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
≈ +11.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.9%
Dividend (yield on the price)0.7%
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.33% vs 21%, picking up
Profit margin 2020 to 2025 ⓘ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.−85% → 71%
Start year 2020 (pandemic)
⚠ Rate on operating basis: 2025 sits 387% above its own trend.
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+40.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−35.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about +36.7% a year for the price and −37.2% for the forecasts.
Compare Generation Development 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.Asset Management · 659 stocks
Beats the industry median on 1/10 measures
Overall it trails its industry peers.
Valuation
Quality Score18 · Bottom 25%
Fair Value upside−65% · Bottom 25%
Profitability
Return on assets1% · Below median
Net margin (TTM)−6% · Bottom 25%
Operating margin (TTM)−4% · Bottom 25%
Growth and dividend
Revenue growth−21% · Bottom 25%
Dividend yield (TTM)0.7% · Bottom 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
P/B1.50× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (TTM)1.93× · Cheaper than median
P/FCF130.8× · Priciest 25%
EV/EBITDA14.6× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 55
FUTURE (revenue growth)0· sector 20
PAST (return on equity)0· sector 22
HEALTH (low debt)100· sector 95
DIVIDEND (yield)13· sector 80
VALUE 0: the price sits above our fair-value range.
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.
Cite: Fair Value Calculator (2026). "Generation Development Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/GDG
Frequently asked questions
Is Generation Development Group Ltd (GDG) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$1.05 versus a price of A$2.98, about −65% upside (overvalued).
What is the fair value of GDG?
Our model-based fair value for Generation Development Group Ltd is A$1.05 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$2.98.
What is the quality score of GDG?
Generation Development Group Ltd has a Quality Score of 23/100. 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 Generation Development Group Ltd (GDG)?
Our model-based price target is the fair value of A$1.05 (as of Sep 23, 2026) from 13 valuation models. Cautious scenario A$0.7905, optimistic scenario A$1.36. It is a calculation from audited fundamentals, not an analyst target.
What is the Generation Development Group Ltd stock forecast for 2026?
Our models put fair value at A$1.05, about −65% upside versus a price of A$2.98 (overvalued). Cautious scenario A$0.7905, optimistic scenario A$1.36. The calculation is refreshed regularly with new filings.
What is the revenue of Generation Development Group Ltd (GDG)?
Generation Development Group Ltd reported trailing-twelve-month revenue of about A$543M (latest available figure, as of Sep 23, 2026).
Does Generation Development Group Ltd pay a dividend?
Generation Development Group Ltd currently shows a dividend yield of about 0.67% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Generation Development Group Ltd (GDG)?
For today's price to be fair in a discounted-cash-flow model, Generation Development Group Ltd would have to grow free cash flow by +40.7 % per year for five years (discount rate 9.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +60.9 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of GDG use?
Our models discount Generation Development Group Ltd at 9.6 %: a base by market capitalisation (small), damped by beta 0.49, country premium for Australia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Generation Development Group Ltd that is +40.7 % per year a year over ten years, using the same discount rate (9.6 %) and the same formula as our fair value.
How much growth has Generation Development Group Ltd (GDG) delivered so far?
Over the past 5 years revenue at Generation Development Group Ltd grew +60.9 % a year. The price currently implies +40.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Generation Development Group Ltd (GDG) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Generation Development Group Ltd (+40.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Generation Development Group Ltd (GDG)?
The free-cash-flow yield on the price is 0.82 %: that much free cash flow Generation Development Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Generation Development Group Ltd (GDG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Generation Development Group Ltd it is A$1.05 per share (as of Sep 23, 2026), against a price of A$2.98. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Generation Development Group Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, GDG trades above its calculated fair value: price A$2.98, fair value A$1.05, a gap of about −65% (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 GDG?
No. The price is what the market pays today (A$2.98); the fair value is what the company's own numbers justify (A$1.05). For Generation Development Group Ltd the two are A$1.93 per share apart. That gap is exactly why we show both numbers side by side.
How much is Generation Development Group Ltd worth?
The market values Generation Development Group Ltd at about A$1.5B (market capitalisation, as of Sep 23, 2026). Per share that is A$2.98; our models calculate a fair value of A$1.05 per share.
What do the bullish and bearish scenarios say about GDG?
Our models span a range for Generation Development Group Ltd: cautious scenario A$0.7905, base A$1.05, optimistic A$1.36 per share (as of Sep 23, 2026, price A$2.98). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Generation Development Group Ltd (GDG)?
Balance-sheet figures for Generation Development Group Ltd (as of Sep 23, 2026): return on equity −6.4%. They feed the Quality Score of 23/100, which measures business quality independently of the share price.
How far is GDG from its 52-week high?
Generation Development Group Ltd trades at A$2.98, about 61% below its 52-week high of A$7.58 and 2% above the low of A$2.92 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of A$1.05 is for.
Which stocks are comparable to Generation Development Group Ltd?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Corporation, KKR & Co, Apollo Global Management, Inc, 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 Generation Development Group Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price A$2.98, calculated fair value A$1.05 (−65%), Quality Score 23/100, from 13 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 GDG calculated?
We run Generation Development Group Ltd through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of A$1.05, 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 14.1 % above its aggregate fair value. Generation Development 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 Generation Development Group Ltd (GDG)?
The closing price on Sep 23, 2026 was A$2.98. Our model-based fair value is A$1.05, about −65% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Generation Development Group Ltd right now?
The price sits above even our optimistic bull case (A$1.36). The favourable scenario is already priced in. Weak quality (23/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 Generation Development Group Ltd
How large is the market capitalisation of Generation Development Group Ltd (GDG)?
The market capitalisation of Generation Development Group Ltd is A$1.5B (≈ $1.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Generation Development Group Ltd (GDG)?
The price-to-sales ratio of Generation Development Group Ltd is 2.74 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Generation Development Group Ltd (GDG)?
Earnings per share at Generation Development Group Ltd are A$−0.1300. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Generation Development Group Ltd (GDG)?
The dividend yield of Generation Development Group Ltd is 0.7%. 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 Generation Development Group Ltd (GDG)?
The net margin of Generation Development Group Ltd is 6.2% (fiscal year 2025). 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 Generation Development Group Ltd (GDG)?
The return on equity (ROE) of Generation Development Group Ltd is −6.4% (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 Generation Development Group Ltd (GDG)?
On an EBIT basis the return on assets of Generation Development Group Ltd is 5.3% (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 Generation Development Group Ltd (GDG)?
The operating margin of Generation Development Group Ltd is −3.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Generation Development Group Ltd (GDG)?
Revenue at Generation Development Group Ltd is growing −21.4% versus a year earlier (3y avg +87.9%). 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 Generation Development Group Ltd (GDG)?
Earnings per share at Generation Development Group Ltd are growing −93.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Generation Development Group Ltd (GDG) hold?
Generation Development Group Ltd holds more cash than debt, A$173M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed
Watch Generation Development Group Ltd in the live analysis
One click puts Generation Development Group Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
