N1 Holdings (N1H) Fair Value & Analysis

Financial Services · AU · Market cap A$7.0M

Below-average quality, and screening another 11% overvalued on our models.

What matters now

• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
• Our model range runs from A$0.0880 (bear) to A$0.1440 (bull), base A$0.1200. The closer the price sits to the lower half, the larger the margin of safety.
• Quality 36/100 (below-average quality) with high evidence: the data supports the verdict.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range A$0.0472 – A$0.3022 · fair‑value band A$0.0880 – A$0.1440 · the A$0.1350 price screens above the A$0.1200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

Full chart & analysis →

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Analysis

N1 Holdings (N1H) currently trades at A$0.1350, while our model-based Fair Value estimate is A$0.1200, implying the stock looks roughly 11.1% overvalued today. The Quality Score stands at 36/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, N1 Holdings generated revenue of A$20.5M at a net margin of 6.2%. Revenue grew 3.6% year over year. It earns a return on equity of 50.2%. Net debt stands at A$112M. Fundamentals as of Jul 16, 2026

Our scenario range runs from A$0.0880 (bear case) to A$0.1440 (bull case); at A$0.1350, the current price sits within 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 23% below its 52-week high and 50% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -25% fair-value upside, at -11%, N1H 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: Earnings-Based (A$0.2900) versus Asset-Based (A$0.0200). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

N1 Holdings Limited operates as a property-backed lender in Australia. It operates through four segments: Financial Services, Real Estate Services, Migration Services, and Other.

Full company description

N1 Holdings Limited operates as a property-backed lender in Australia. It operates through four segments: Financial Services, Real Estate Services, Migration Services, and Other. The company offers direct lending and private credit for the purpose of bridging finance, purchase and urgent settlement, renovation of business premises, working capital, business expansion, equipment acquisition and/or upgrade, debt consolidation, equity release for business, and external administration/receivership for small and medium enterprises. It is also involved in the provision of mortgage, home, and commercial loans for property owners and investors, as well as fund management, migration, and real estate property sale and management services. In addition, the company offers financial advisory and trustee services, such as project advisory and establishment, information memorandum and offer documents production, custody, fund compliance and risk management, and fund administration and accounting, as well as unit subscription, registration, pricing, and redemption services. N1 Holdings Limited was founded in 2011 and is headquartered in Sydney, Australia.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

N1 Holdings reported revenue of A$20.1M in FY2025 versus A$5.4M in FY2021, a compound +38.7%/yr. Reported net income was A$856K in FY2025, compounding +57.4%/yr from FY2021.

N1H screens 11% overvalued. Compare with Federal Home Loan Mortgage Corporation →

Peer Group

Mortgage Finance · 90 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 Mortgage Finance 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.

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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.