Liberty Financial Group (LFG) Fair Value & Analysis

Financial Services · AU · Market cap A$1.0B

A solid business, screening 76% undervalued on our models.

What matters now

• The price is below even our cautious bear case (A$4.30). The market is more pessimistic than our downside scenario.
• Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.

How to read this chart

60‑month range A$2.18 – A$4.67 · fair‑value band A$4.30 – A$7.17 · the A$3.26 price screens below the A$5.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.

Full chart & analysis →

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

Analysis

Liberty Financial Group (LFG) currently trades at A$3.26, while our model-based Fair Value estimate is A$5.74, implying the stock looks roughly 76.1% undervalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Liberty Financial Group generated revenue of A$611M at a net margin of 23.7%. Revenue grew 2.1% year over year. It earns a return on equity of 12.1%. Net debt stands at A$13.8B. Fundamentals as of Jul 18, 2026

Our scenario range runs from A$4.30 (bear case) to A$7.17 (bull case); at A$3.26, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 25% below its 52-week high and 24% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 76%, LFG screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples (A$5.52) versus Asset-Based (A$2.64). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

Liberty Financial Group Limited engages in providing loan finance services in Australia. The company provides home and investment home loans, car and caravan loans, and personal loans, such as secured and unsecured personal loans, holiday loans, wedding loans, medical loans, debt consolidation loans, home renovation loans, and boat finance.

Full company description

Liberty Financial Group Limited engages in providing loan finance services in Australia. The company provides home and investment home loans, car and caravan loans, and personal loans, such as secured and unsecured personal loans, holiday loans, wedding loans, medical loans, debt consolidation loans, home renovation loans, and boat finance. It also offers business loans, including secured business loans, low-doc business loans, flexible business loans, and business lines of credit; commercial property loans; and residential and commercial self-managed super funds. The company was founded in 1997 and is based in Melbourne, Australia. Liberty Financial Group Limited operates as a subsidiary of Vesta Funding BV.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2020 – FY2024 · reported fiscal years

Liberty Financial Group reported revenue of A$605M in FY2024 versus A$853M in FY2020, a compound −8.2%/yr. Reported net income was A$134M in FY2024, compounding −7.9%/yr from FY2020.

Watch LFG: get an alert when its fair value changes →

Peer Group

Credit Services · 333 stocks

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.

Valuation Multiples vs Credit Services median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).

Explore undervalued stocks

More undervalued Financial Services stocks →

Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.