Ingenia Communities Group (INA) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Ingenia Communities Group stock A$7.60, price A$5.24, upside +45.0%, quality 67 out of 100. Rating: undervalued. Calculated from audited financials with 16 of our 26 valuation models and 37 quality factors, updated daily.
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. As of Nov 5, 2026.
How to read this chart
60‑month range A$3.17 – A$6.04 · fair‑value band A$3.64 – A$15.97 · the A$5.24 price screens below the A$7.60 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Ingenia Communities Group is a leading operator, owner and developer of communities offering quality affordable rental and holiday accommodation focused on the growing seniors' market in Australia.
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Listed on the Australian Securities Exchange, the Group is included in the S&P/ASX 200 and has a market capitalization of 2 billion dollars.
Across Ingenia Lifestyle, Ingenia Gardens, Ingenia Holidays and Ingenia Rental, the Group has 100 communities and is continuing to grow through acquisition and development. Ingenia Communities Group is incorporated in 2004 in Australia.
Stock analysis
Ingenia Communities Group (INA) currently trades at A$5.24, while our model-based Fair Value estimate is A$7.60, implying the stock looks roughly 31% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of A$7.60 per share, and 10 of the 16 models we run sit above the A$5.24 price.
Bear case: the Dividend Discount group reads lowest at A$1.30, and 6 of the 16 models stay below the price. Data coverage for this calculation is high.
Scenario range: A$3.64 (bear) to A$15.97 (bull), the price of A$5.24 sits inside 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 67/100 (solid quality), in the Real Estate sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Ingenia Communities Group reported revenue of A$560M in FY2026 versus A$338M in FY2022, a compound +13.5%/yr. Reported net income was A$186M in FY2026, compounding +16.7%/yr from FY2022.
Key figures
Market cap A$2.1B (≈ $1.5B) Small · P/E ratio 11.5 · P/S ratio 3.71 · EPS (TTM) A$0.4572 · Dividend yield 1.8% · Net margin 32.4% · Return on equity 11.2% · Return on assets (EBIT) 4.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 47% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −13% fair-value upside, at 45%, INA screens cheaper than that median.
Fair Value models
BearA$3.64Fair Value A$7.60BullA$15.97
Price A$5.24 · Upside +45.0%
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$0.1285 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.
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.94/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.9%
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.
+12.3%
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.
+13.6%
Start year 2021 (pandemic)
’15
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’26
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+18.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.9%
Dividend (yield on the price)1.8%
Per share before 2021divided by the spin-off factor 1.0116
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.20.9% vs 21.8%, steady
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.31% → 29%
2026 sits 192% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2021 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far and about what 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).
+12.3%
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.
+10.0%
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 +9.1% a year for the price and +6.9% for the forecasts.
Compare Ingenia Communities Group with another stock
Price, fair value, quality and upside side by side.
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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.REIT - Residential · 41 stocks
Beats the industry median on 12/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score67 · Top 25%
Fair Value upside+45.0% · Top 25%
Profitability
Return on equity (12 months)11.2% · Top 25%
Return on assets6.1% · Top 25%
Net margin (12 months)32.4% · Above median
Operating margin (12 months)28.6% · Above median
Growth and dividend
Revenue growth (quarter YoY)13.3% · Top 25%
Dividend yield (12 months)1.8% · Below median
Balance sheet
Debt / equity0.43× · Below median
Valuation Multiplesvs REIT - Residential median · lower = cheaper
P/E (12 months)11.5× · Cheaper than median
P/B1.22× · Pricier than median
P/S (12 months)3.71× · Cheaper than median
Price / free cash flow (fiscal year)14.4× · Cheaper than median
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). "Ingenia Communities Group Fair Value". https://www.fairvalue-calculator.com/stock/INA
Frequently asked questions
Is Ingenia Communities Group (INA) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of A$7.60 versus a price of A$5.24, about +45% upside (undervalued).
What is the fair value of INA?
Our model-based fair value for Ingenia Communities Group is A$7.60 (as of Nov 5, 2026), built from audited fundamentals. The current price: A$5.24.
What is the quality score of INA?
Ingenia Communities Group has a Quality Score of 67/100. 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 Ingenia Communities Group (INA)?
Our model-based price target is the fair value of A$7.60 (as of Nov 5, 2026) from 16 valuation models. Cautious scenario A$3.64, optimistic scenario A$15.97. It is a calculation from audited fundamentals, not an analyst target.
What is the Ingenia Communities Group stock forecast for 2026?
Our models put fair value at A$7.60, about +45% upside versus a price of A$5.24 (undervalued). Cautious scenario A$3.64, optimistic scenario A$15.97. The calculation is refreshed regularly with new filings.
What is the revenue of Ingenia Communities Group (INA)?
Ingenia Communities Group reported trailing-twelve-month revenue of about A$576M (latest available figure, as of Nov 5, 2026).
Does Ingenia Communities Group pay a dividend?
Ingenia Communities Group currently shows a dividend yield of 1.76% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Ingenia Communities Group (INA) and when is the ex-dividend date?
Ingenia Communities Group pays a dividend of A$0.092 per share a year, a dividend yield of 1.8%. The last ex-dividend date was Aug 28, 2026. A dividend has been paid every year since 2012. The payout ratio is 26.1% of earnings (on adjusted earnings, reported 20.4%). Free cash flow covers the dividend 3.95 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Ingenia Communities Group (INA)?
For today's price to be fair in a discounted-cash-flow model, Ingenia Communities Group would have to grow free cash flow by +12.3 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +13.7 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of INA use?
Our models discount Ingenia Communities Group at 10.6 %: a base by market capitalisation (small), damped by beta 0.84, 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 Ingenia Communities Group that is +12.3 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has Ingenia Communities Group (INA) delivered so far?
Over the past 5 years revenue at Ingenia Communities Group grew +13.7 % a year. The price currently implies free-cash-flow growth of +12.3 % per 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 Ingenia Communities Group (INA) growing?
The median revenue growth in the sector is +2.7 % a year. That is the yardstick for the growth priced into Ingenia Communities Group (+12.3 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Ingenia Communities Group (INA)?
The free-cash-flow yield on the price is 6.93 %: that much free cash flow Ingenia Communities Group produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Ingenia Communities Group (INA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ingenia Communities Group it is A$7.60 per share (as of Nov 5, 2026), against a price of A$5.24. It is the blended result of 16 valuation models in 6 families (DCF Models, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Ingenia Communities Group stock overvalued or undervalued in 2026?
As of Nov 5, 2026, INA trades below its calculated fair value: price A$5.24, fair value A$7.60, a gap of about +45% (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 INA?
No. The price is what the market pays today (A$5.24); the fair value is what the company's own numbers justify (A$7.60). For Ingenia Communities Group the two are A$2.36 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ingenia Communities Group worth?
The market values Ingenia Communities Group at about A$2.1B (market capitalisation, as of Nov 5, 2026). Per share that is A$5.24; our models calculate a fair value of A$7.60 per share.
What do the bullish and bearish scenarios say about INA?
Our models span a range for Ingenia Communities Group: cautious scenario A$3.64, base A$7.60, optimistic A$15.97 per share (as of Nov 5, 2026, price A$5.24). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INA?
Ingenia Communities Group trades at a price-to-earnings ratio of 11.5 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$7.60 is built from several models across several years. Excluding one-off items of fiscal year 2026 it is 14.6 (reported 11.5). Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings, FY2026 ex one-offs: 35.8. Other multiples: P/B 1.2, P/S 3.7, EV/EBITDA 16.4.
How solid is the balance sheet of Ingenia Communities Group (INA)?
Balance-sheet figures for Ingenia Communities Group (as of Nov 5, 2026): return on equity 11.2%, debt of 0.43 per unit of equity. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is INA from its 52-week high?
Ingenia Communities Group trades at A$5.24, about 4% below its 52-week high of A$5.47 and 47% above the low of A$3.57 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of A$7.60 is for.
Which stocks are comparable to Ingenia Communities Group?
From the same area (Real Estate) we also value Essex Property Trust, Inc, Invitation Homes, Sun Communities, Inc, Mid-America Apartment Communities, 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 Ingenia Communities Group stock attractive at the current price?
The data as of Nov 5, 2026: price A$5.24, calculated fair value A$7.60 (+45%), Quality Score 67/100, from 16 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 INA calculated?
We run Ingenia Communities Group through 16 models from 6 families: DCF Models, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$7.60 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 13.0% above its aggregate fair value. Ingenia Communities Group currently trades 31% 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 Ingenia Communities Group (INA)?
The closing price on Nov 6, 2026 was A$5.24. Our model-based fair value is A$7.60, about +45% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ingenia Communities Group right now?
The model range is unusually wide (A$3.64 to A$15.97). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Where does the earnings growth of Ingenia Communities Group (INA) come from?
Earnings per share at Ingenia Communities Group grew +12.4 % a year from 2015 to 2026. Broken into its drivers: revenue per share +13.9 %, EBIT margin +3.3 %, tax rate +0.2 %, residual (interest, one-offs) −4.6 %. 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 Ingenia Communities Group
How large is the market capitalisation of Ingenia Communities Group (INA)?
The market capitalisation of Ingenia Communities Group is A$2.1B (≈ $1.5B). 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 Ingenia Communities Group (INA)?
The price-to-sales ratio of Ingenia Communities Group is 3.71 (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 Ingenia Communities Group (INA)?
Earnings per share at Ingenia Communities Group are A$0.4572 (price ÷ EPS = P/E 11.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ingenia Communities Group (INA)?
The dividend yield of Ingenia Communities Group is 1.8% (payout 26.1%, on adjusted earnings, reported 20.4%). 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 Ingenia Communities Group (INA)?
The net margin of Ingenia Communities Group is 32.4% (last twelve months), excl. one-off gain FY2026 26.0%. 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 Ingenia Communities Group (INA)?
The return on equity (ROE) of Ingenia Communities Group is 11.2% (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 Ingenia Communities Group (INA)?
On an EBIT basis the return on assets of Ingenia Communities Group is 4.5% (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 Ingenia Communities Group (INA)?
The operating margin of Ingenia Communities Group is 28.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ingenia Communities Group (INA)?
Revenue at Ingenia Communities Group is growing +13.3% versus a year earlier (3y avg +12.3%). 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 Ingenia Communities Group (INA)?
Earnings per share at Ingenia Communities Group are growing +118% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Ingenia Communities Group (INA) carry?
The net debt of Ingenia Communities Group is A$989M (fiscal year 2026, ≈ 6.7 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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Broad data
Nov 5, 2026