Latitude Group Holdings Ltd (LFS) fair value: what the stock is really worth
As of Nov 2, 2026: fair value (intrinsic value) of Latitude Group Holdings Ltd stock A$1.18, price A$0.82, upside +44.8%, quality 33 out of 100. Rating: undervalued. 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. As of Oct 31, 2026.
How to read this chart
60‑month range A$0.7750 – A$1.85 · fair‑value band A$0.8800 – A$1.47 · the A$0.8150 price screens below the A$1.18 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 31, 2026.
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Latitude Group Holdings Limited engages in sales finance and consumer lending businesses in Australia and New Zealand. The company operates through Australia and New Zealand Pay (A&NZ Pay) and Australia and New Zealand Money (A&NZ Money).
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It provides various lending products comprising personal and motor loans, as well as credit cards. The company offers debt consolidation, car, home improvement, holiday and travel, boat, caravan purchase, medical, and solar and battery purchase loans, as well as insurance services.
In addition, it provides factoring/BNPL lending, trust managers, and intellectual property services, as well as securitization of receivables. Latitude Group Holdings Limited was founded in 1925 and is based in Melbourne, Australia.
Stock analysis
Latitude Group Holdings Ltd (LFS) currently trades at A$0.8150, while our model-based Fair Value estimate is A$1.18, implying the stock looks roughly 30.9% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of A$1.94 per share, and 7 of the 9 models we run sit above the A$0.8150 price.
Bear case: the Asset-Based group reads lowest at A$0.3100, and 2 of the 9 models stay below the price. Data coverage for this calculation is low.
Scenario range: A$0.8800 (bear) to A$1.47 (bull), the price of A$0.8150 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 33/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Latitude Group Holdings Ltd reported revenue of A$1.2B in FY2025 versus A$957M in FY2021, a compound +6.1%/yr. Reported net income was A$94.0M in FY2025, compounding −12.6%/yr from FY2021.
Key figures
Market cap A$1.0B (≈ $730M) Small · P/E ratio 8.2 · P/S ratio 1.91 · EPS (TTM) A$0.1000 · Dividend yield 12.9% · Net margin 20.1% · Return on equity 8.7% · Return on assets (EBIT) 3.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 57 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 45%, LFS screens cheaper than that median.
Fair Value models
BearA$0.8800Fair Value A$1.18BullA$1.47
Price A$0.8150 · Upside +44.8%
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.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.33/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+154.5%
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.
+9.4%
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.
+1.4%
Start year 2020 (pandemic)
Revenue growth 8 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.
+0.0%
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’25
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.
+15.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.4%
Dividend (yield on the price)12.9%
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.32% → 43%
2025 sits 214% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Revenue per share shrinking 8.9%/yr over ~6Y (margins eroding too) ⓘ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.
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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 · 282 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score33 · Bottom 25%
Fair Value upside+44.8% · Above median
Profitability
Return on equity (12 months)8.7% · Below median
Return on assets1.2% · Bottom 25%
Net margin (12 months)20.1% · Below median
Operating margin (12 months)26.4% · Below median
Growth and dividend
Revenue growth (quarter YoY)1.8% · Below median
Dividend yield (12 months)12.9% · Top 25%
Balance sheet
Debt / equity4.29× · 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). "Latitude Group Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/LFS.AU
Frequently asked questions
Is Latitude Group Holdings Ltd (LFS) overvalued or undervalued?
As of Oct 31, 2026, our model estimates a fair value of A$1.18 versus a price of A$0.8150, about +45% upside (undervalued).
What is the fair value of LFS?
Our model-based fair value for Latitude Group Holdings Ltd is A$1.18 (as of Oct 31, 2026), built from audited fundamentals. The current price: A$0.8150.
What is the quality score of LFS?
Latitude Group Holdings Ltd has a Quality Score of 33/100. 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 Latitude Group Holdings Ltd (LFS)?
Our model-based price target is the fair value of A$1.18 (as of Oct 31, 2026) from 9 valuation models. Cautious scenario A$0.8800, optimistic scenario A$1.47. It is a calculation from audited fundamentals, not an analyst target.
What is the Latitude Group Holdings Ltd stock forecast for 2026?
Our models put fair value at A$1.18, about +45% upside versus a price of A$0.8150 (undervalued). Cautious scenario A$0.8800, optimistic scenario A$1.47. The calculation is refreshed regularly with new filings.
What is the revenue of Latitude Group Holdings Ltd (LFS)?
Latitude Group Holdings Ltd reported trailing-twelve-month revenue of about A$544M (latest available figure, as of Oct 31, 2026).
Does Latitude Group Holdings Ltd pay a dividend?
Latitude Group Holdings Ltd currently shows a dividend yield of 12.88% relative to its recent price (as of Oct 31, 2026).
What is the intrinsic value of Latitude Group Holdings Ltd (LFS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Latitude Group Holdings Ltd it is A$1.18 per share (as of Oct 31, 2026), against a price of A$0.8150. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Latitude Group Holdings Ltd stock overvalued or undervalued in 2026?
As of Oct 31, 2026, LFS trades below its calculated fair value: price A$0.8150, fair value A$1.18, 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 LFS?
No. The price is what the market pays today (A$0.8150); the fair value is what the company's own numbers justify (A$1.18). For Latitude Group Holdings Ltd the two are A$0.3650 per share apart. That gap is exactly why we show both numbers side by side.
How much is Latitude Group Holdings Ltd worth?
The market values Latitude Group Holdings Ltd at about A$1.0B (market capitalisation, as of Oct 31, 2026). Per share that is A$0.8150; our models calculate a fair value of A$1.18 per share.
What do the bullish and bearish scenarios say about LFS?
Our models span a range for Latitude Group Holdings Ltd: cautious scenario A$0.8800, base A$1.18, optimistic A$1.47 per share (as of Oct 31, 2026, price A$0.8150). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LFS?
Latitude Group Holdings Ltd trades at a price-to-earnings ratio of 8.2 (as of Oct 31, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$1.18 is built from several models across several years. Other multiples: P/B 0.9, P/S 1.9, EV/EBITDA 11.0.
How solid is the balance sheet of Latitude Group Holdings Ltd (LFS)?
Balance-sheet figures for Latitude Group Holdings Ltd (as of Oct 31, 2026): return on equity 8.7%, debt of 4.29 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is LFS from its 52-week high?
Latitude Group Holdings Ltd trades at A$0.8150, about 25% below its 52-week high of A$1.08 and 5% above the low of A$0.7750 (as of Nov 2, 2026). Distance from the high says nothing about value: that is what the fair value of A$1.18 is for.
Which stocks are comparable to Latitude Group Holdings Ltd?
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 Latitude Group Holdings Ltd stock attractive at the current price?
The data as of Oct 31, 2026: price A$0.8150, calculated fair value A$1.18 (+45%), Quality Score 33/100, 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 LFS calculated?
We run Latitude Group Holdings Ltd through 9 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$1.18, 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 14.9 % above its aggregate fair value. Latitude Group Holdings Ltd 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 Latitude Group Holdings Ltd (LFS)?
The closing price on Nov 2, 2026 was A$0.8150. Our model-based fair value is A$1.18, about +45% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Latitude Group Holdings Ltd right now?
The large discount to fair value meets weak quality (33/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (A$0.8800). 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. 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 Latitude Group Holdings Ltd
How large is the market capitalisation of Latitude Group Holdings Ltd (LFS)?
The market capitalisation of Latitude Group Holdings Ltd is A$1.0B (≈ $730M). 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 Latitude Group Holdings Ltd (LFS)?
The price-to-sales ratio of Latitude Group Holdings Ltd is 1.91 (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 Latitude Group Holdings Ltd (LFS)?
Earnings per share at Latitude Group Holdings Ltd are A$0.1000 (price ÷ EPS = P/E 8.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Latitude Group Holdings Ltd (LFS)?
The dividend yield of Latitude Group Holdings Ltd is 12.9% (payout 105%). 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 Latitude Group Holdings Ltd (LFS)?
The net margin of Latitude Group Holdings Ltd is 20.1% (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 Latitude Group Holdings Ltd (LFS)?
The return on equity (ROE) of Latitude Group Holdings Ltd is 8.7% (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 Latitude Group Holdings Ltd (LFS)?
On an EBIT basis the return on assets of Latitude Group Holdings 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 Latitude Group Holdings Ltd (LFS)?
The operating margin of Latitude Group Holdings Ltd is 26.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Latitude Group Holdings Ltd (LFS)?
Revenue at Latitude Group Holdings Ltd is growing +1.8% versus a year earlier (3y avg +9.4%). 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 Latitude Group Holdings Ltd (LFS)?
Earnings per share at Latitude Group Holdings Ltd are growing +28.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Latitude Group Holdings Ltd (LFS) generate?
The free cash flow of Latitude Group Holdings Ltd is −A$325M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Latitude Group Holdings Ltd (LFS) carry?
The net debt of Latitude Group Holdings Ltd is A$6.3B (fiscal year 2025). 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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Thin data
Oct 31, 2026