Liberty Financial Group (LFG) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Liberty Financial Group A$5.74, price A$3.32, upside +72.9%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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$2.18 – A$4.52 · fair‑value band A$3.53 – A$9.52 · the A$3.32 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 Sep 23, 2026.
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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.
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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.
Stock analysis
Liberty Financial Group (LFG) currently trades at A$3.32, while our model-based Fair Value estimate is A$5.74, implying the stock looks roughly 42.2% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of A$5.52 per share, and 7 of the 8 models we run sit above the A$3.32 price.
Bear case: the Asset-Based group reads lowest at A$2.64, and 1 of the 8 models stay below the price. Evidence for this calculation is high.
Scenario range: A$3.53 (bear) to A$9.52 (bull), the price of A$3.32 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 56/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
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.
Key figures
Market cap A$1.0B (≈ $714M) · P/E ratio 6.9 · P/S ratio 1.53 · EPS (TTM) A$0.4800 · Dividend yield 8.4% · Net margin 22.2% · Return on equity 12.1% · Return on assets (EBIT) 4.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 73%, LFG screens cheaper than that median.
Fair Value models
Bear A$3.53Fair Value A$5.74Bull A$9.52
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. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then (A$0.2000 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.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.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−58.6%
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.
−11.4%
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.
−6.2%
Revenue growth 12 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.
+14.7%
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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.
+14.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.4%
Dividend (yield on the price)8.4%
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.6% vs 16%, slowing
Profit margin 2019 to 2024 ⓘ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.20% → 84%
⚠ Revenue per share shrinking 95.2%/yr over ~7Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+44.9%
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.
+3.1%
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 +40.7% a year for the price and +0.2% for the forecasts.
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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 · 330 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+73% · Above median
Profitability
Return on equity (TTM)12% · Above median
Return on assets1% · Below median
Net margin (TTM)24% · Above median
Operating margin (TTM)29% · Below median
Growth and dividend
Revenue growth2% · Below median
Dividend yield (TTM)8.4% · Top 25%
Balance sheet
Debt / equity8.23× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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). "Liberty Financial Group Fair Value". https://www.fairvalue-calculator.com/stock/LFG
Frequently asked questions
Is Liberty Financial Group (LFG) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$5.74 versus a price of A$3.32, about +73% upside (undervalued).
What is the fair value of LFG?
Our model-based fair value for Liberty Financial Group is A$5.74 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$3.32.
What is the quality score of LFG?
Liberty Financial Group has a Quality Score of 56/100. 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 Liberty Financial Group (LFG)?
Our model-based price target is the fair value of A$5.74 (as of Sep 23, 2026) from 10 valuation models. Cautious scenario A$3.53, optimistic scenario A$9.52. It is a calculation from audited fundamentals, not an analyst target.
What is the Liberty Financial Group stock forecast for 2026?
Our models put fair value at A$5.74, about +73% upside versus a price of A$3.32 (undervalued). Cautious scenario A$3.53, optimistic scenario A$9.52. The calculation is refreshed regularly with new filings.
What is the revenue of Liberty Financial Group (LFG)?
Liberty Financial Group reported trailing-twelve-month revenue of about A$611M (latest available figure, as of Sep 23, 2026).
Does Liberty Financial Group pay a dividend?
Liberty Financial Group currently shows a dividend yield of about 8.43% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Liberty Financial Group (LFG)?
For today's price to be fair in a discounted-cash-flow model, Liberty Financial Group would have to grow free cash flow by +44.9 % 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 -6.2 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of LFG use?
Our models discount Liberty Financial Group at 9.6 %: a base by market capitalisation (small), damped by beta 0.44, 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 Liberty Financial Group that is +44.9 % 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 Liberty Financial Group (LFG) delivered so far?
Over the past 5 years revenue at Liberty Financial Group grew -6.2 % a year. The price currently implies +44.9 % 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 Liberty Financial Group (LFG) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Liberty Financial Group (+44.9 % 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 Liberty Financial Group (LFG)?
The free-cash-flow yield on the price is 11.47 %: that much free cash flow Liberty Financial Group 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 Liberty Financial Group (LFG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Liberty Financial Group it is A$5.74 per share (as of Sep 23, 2026), against a price of A$3.32. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Liberty Financial Group stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LFG trades below its calculated fair value: price A$3.32, fair value A$5.74, a gap of about +73% (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 LFG?
No. The price is what the market pays today (A$3.32); the fair value is what the company's own numbers justify (A$5.74). For Liberty Financial Group the two are A$2.42 per share apart. That gap is exactly why we show both numbers side by side.
How much is Liberty Financial Group worth?
The market values Liberty Financial Group at about A$1.0B (market capitalisation, as of Sep 23, 2026). Per share that is A$3.32; our models calculate a fair value of A$5.74 per share.
What do the bullish and bearish scenarios say about LFG?
Our models span a range for Liberty Financial Group: cautious scenario A$3.53, base A$5.74, optimistic A$9.52 per share (as of Sep 23, 2026, price A$3.32). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LFG?
Liberty Financial Group trades at a price-to-earnings ratio of 6.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$5.74 is built from several models across several years. Other multiples: P/B 0.6, P/S 1.2, EV/EBITDA 8.9.
How solid is the balance sheet of Liberty Financial Group (LFG)?
Balance-sheet figures for Liberty Financial Group (as of Sep 23, 2026): return on equity 12.1%, debt of 8.23 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is LFG from its 52-week high?
Liberty Financial Group trades at A$3.32, about 20% below its 52-week high of A$4.13 and 11% above the low of A$2.99 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of A$5.74 is for.
Which stocks are comparable to Liberty Financial Group?
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 Liberty Financial Group stock attractive at the current price?
The data as of Sep 23, 2026: price A$3.32, calculated fair value A$5.74 (+73%), Quality Score 56/100, from 10 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 LFG calculated?
We run Liberty Financial Group through 10 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$5.74, 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. Liberty Financial Group currently trades 73 % 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 Liberty Financial Group (LFG)?
The closing price on Sep 23, 2026 was A$3.32. Our model-based fair value is A$5.74, about +73% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Liberty Financial Group right now?
The price is below even our cautious bear case (A$3.53). The market is more pessimistic than our downside scenario. The model range is unusually wide (A$3.53 to A$9.52). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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.
Key figures of Liberty Financial Group
How large is the market capitalisation of Liberty Financial Group (LFG)?
The market capitalisation of Liberty Financial Group is A$1.0B (≈ $714M). 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 Liberty Financial Group (LFG)?
The price-to-sales ratio of Liberty Financial Group is 1.53 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Liberty Financial Group (LFG)?
Earnings per share at Liberty Financial Group are A$0.4800 (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 Liberty Financial Group (LFG)?
The dividend yield of Liberty Financial Group is 8.4% (payout 58.3%). 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 Liberty Financial Group (LFG)?
The net margin of Liberty Financial Group is 22.2% (fiscal year 2024). 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 Liberty Financial Group (LFG)?
The return on equity (ROE) of Liberty Financial Group is 12.1% (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 Liberty Financial Group (LFG)?
On an EBIT basis the return on assets of Liberty Financial Group is 4.7% (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 Liberty Financial Group (LFG)?
The operating margin of Liberty Financial Group is 29.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Liberty Financial Group (LFG)?
Revenue at Liberty Financial Group is growing +2.1% versus a year earlier (3y avg −11.4%). 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 Liberty Financial Group (LFG)?
Earnings per share at Liberty Financial Group are growing +16.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Liberty Financial Group (LFG) carry?
The net debt of Liberty Financial Group is A$13.8B (fiscal year 2024). 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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