N1 Holdings Ltd (N1H) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of N1 Holdings Ltd stock A$0.26, price A$0.17, upside +52.9%, quality 56 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
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N1 Holdings Ltd
N1H · AUThe stock costs 35% less than our calculation considers fair.
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69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range A$0.0800 – A$0.3022 · fair‑value band A$0.0520 – A$0.3640 · the A$0.1700 price screens below the A$0.2600 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 4, 2026.
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Company profile
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.
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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.
Stock analysis
N1 Holdings Ltd (N1H) currently trades at A$0.1700, while our model-based Fair Value estimate is A$0.2600, implying the stock looks roughly 35% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of A$2.29 per share, and 7 of the 13 models we run sit above the A$0.1700 price.
Bear case: the Dividend Discount group reads lowest at A$0.0500, and 6 of the 13 models stay below the price. Data coverage for this calculation is low.
Scenario range: A$0.0520 (bear) to A$0.3640 (bull), the price of A$0.1700 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 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
N1 Holdings Ltd reported revenue of A$22.3M in FY2026 versus A$10.6M in FY2022, a compound +20.3%/yr. Reported net income was A$1.0M in FY2026, compounding −2.1%/yr from FY2022.
Key figures
Market cap A$15.0M (≈ $10.3M) Micro · P/E ratio 17.0 · P/S ratio 0.67 · EPS (TTM) A$0.0100 · Dividend yield 2.4% · Net margin 4.6% · Return on equity 38.7% · Return on assets (EBIT) 9.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 113% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at 53%, N1H screens cheaper than that median.
Fair Value models
All 13 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare N1 Holdings Ltd with another stock
Price, fair value, quality and upside side by side.
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.Mortgage Finance · 49 stocks
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
- Piotroski F-Score screener with fair value
- Valuation of the Australia market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| LIC Housing Finance Limited LICHSGFIN | ₹536.00 | ₹1,040 | +94% | vs N1H |
| PennyMac Financial Services, Inc PFSI | $65.59 | $125.39 | +91% | vs N1H |
| Can Fin Homes Limited CANFINHOME | ₹748.95 | ₹1,060 | +42% | vs N1H |
| PNB Housing Finance Limited PNBHOUSING | ₹1,100 | ₹1,329 | +21% | vs N1H |
| Aadhar Housing Finance Limited AADHARHFC | ₹429.65 | ₹497.00 | +16% | vs N1H |
| Walker & Dunlop, Inc WD | $39.05 | $32.26 | −17% | vs N1H |
| Bajaj Housing Finance Limited BAJAJHFL | ₹80.00 | ₹39.96 | −50% | vs N1H |
| Home First Finance Company HOMEFIRST | ₹1,091 | ₹226.97 | −79% | vs N1H |
| UWM Holdings UWMC | $1.52 | $0.2200 | −86% | vs N1H |
| Rocket Companies, Inc RKT | $15.06 | $1.79 | −88% | vs N1H |
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Key figures of N1 Holdings Ltd
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