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OFX Group Ltd (OFX) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of OFX Group Ltd A$0.58, price A$0.64, upside -8.8%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · AU · ISIN AU000000OFX5

OG OFX Group Ltd logo Thin data Sep 23, 2026

OFX Group Ltd

OFX · AU

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value A$0.5789 · Fairly valued (−9%)
!Quality 62/100
!Weak Growth (revenue 5y +9.6 %/yr)
!Loss-making · -0.2% net margin (TTM)
✓Low debt · generates free cash flow
!Mixed vs. peers (5/11)
!Narrow moat 22/100
!Insider activity 35/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 22 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

A$2.83 A$0.4600 Fair Value A$0.5789 Jul 2021 Sep 2026

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$0.4600 – A$2.83 · fair‑value band A$0.3387 – A$0.9598 · the A$0.6350 price screens above the A$0.5789 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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Company profile

OFX Group Limited provides international payments and foreign exchange services in the Asia Pacific, North America, Europe, the Middle East, and Africa.

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OFX Group Limited provides international payments and foreign exchange services in the Asia Pacific, North America, Europe, the Middle East, and Africa. The company offers business accounts, payments and transfers, corporate cards, currency accounts, FX solutions, batch and payroll payments, spot transfers, forward contracts, control hub, spend management, accounts payable and bill payments services. It offers products and services to consumers, corporates, online sellers, and enterprise clients. The company was formerly known as OzForex Group Limited and changed its name to OFX Group Limited in September 2016. OFX Group Limited was founded in 1998 and is headquartered in Sydney, Australia.

Stock analysis

OFX Group Ltd (OFX) currently trades at A$0.6350, while our model-based Fair Value estimate is A$0.5789, implying the stock looks roughly 9.7% fairly valued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of A$2.52 per share, and 2 of the 3 models we run sit above the A$0.6350 price.

Bear case: the Asset-Based group reads lowest at A$0.5100, and 1 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: A$0.3387 (bear) to A$0.9598 (bull), the price of A$0.6350 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 62/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

OFX Group Ltd reported revenue of A$213M in FY2026 versus A$158M in FY2022, a compound +7.7%/yr. Reported net income was −A$391K in FY2026.

Key figures

Market cap A$148M (≈ $104M) · P/E ex one-offs 69.8 · P/S ratio 0.59 · Net margin −0.2% · Return on equity −0.2% · Return on assets (EBIT) 5.8% · Operating margin −3.5% · Revenue (TTM) A$213M.

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 30% below its 52-week high and 38% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at −9%, OFX screens cheaper than that median.

Fair Value models

Bear A$0.3387 Fair Value A$0.5789 Bull A$0.9598
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. 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.
Highest evidence
Growth DCF A$6.97 A$11.18 A$17.74 73
Owner Earnings A$1.35 A$2.52 A$4.57 69
NCAV (Graham) A$0.3800 A$0.5100 A$0.7500 54
All 3 models by family
DCF Models
Owner Earnings A$1.35 A$2.52 A$4.57 69
Asset-Based
NCAV (Graham) A$0.3800 A$0.5100 A$0.7500 54
Growth DCF
Growth DCF A$6.97 A$11.18 A$17.74 73

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Quality Score breakdown

Overall quality 62/100

Of which business quality 64 · Market factors (momentum, volatility) 43

Profitability 20
Margins and returns on capital today
Quality Growth 61
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 37
Balance sheet, leverage, solvency risk
Investment 88
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 48
Price trend over the last 3–12 months (market factor)
52W Momentum 25
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

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 growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
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.
−2.4%
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.
+9.6%
Start year 2021 (pandemic). Over 10 years: +6.6% a year
Revenue growth 16 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.
+14.0%
Profit margin (trend) ⓘ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.
13.3% (2021) → 0.7% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

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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.Capital Markets · 460 stocks

Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 63 · Top 25%
Fair Value upside −9% · Below median
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) 0% · Bottom 25%
Operating margin (TTM) −4% · Bottom 25%
Growth and dividend
Revenue growth −11% · Bottom 25%
Balance sheet
Debt / equity 0.10× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/B 0.59× · Cheaper than median
P/S (TTM) 0.49× · Cheapest 25%
P/FCF 0.7× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)22 · sector 27
FUTURE (revenue growth)0 · sector 92
PAST (return on equity)0 · sector 30
HEALTH (low debt)95 · sector 95
DIVIDEND (yield)0 · sector 41

Context: sector, industry, market

Values & ESG

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

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Morgan Stanley, a financial holding company, MS $196.32 $314.07 +60%
The Goldman Sachs Group GS $923.29 $766.86 −17%
The Charles Schwab Corporation SCHW $99.49 $118.07 +19%
Interactive Brokers Group IBKR $89.82 $23.27 −74%
Robinhood Markets, Inc HOOD $122.70 $47.73 −61%
Macquarie Group MQG A$242.55 A$80.51 −67%
CITIC Securities Company 600030 ¥26.79 ¥18.35 −32%
Guotai Haitong Securities Co 601211 ¥17.67 ¥19.29 +9%
East Money Information Co 300059 ¥18.77 ¥4.94 −74%
CSC Financial Co 601066 ¥23.67 ¥39.83 +68%

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OFX Group Ltd · Fair Value
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Cite: Fair Value Calculator (2026). "OFX Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/OFX

Frequently asked questions

Is OFX Group Ltd (OFX) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$0.5789 versus a price of A$0.6350, about −9% upside (fairly valued).
What is the fair value of OFX?
Our model-based fair value for OFX Group Ltd is A$0.5789 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$0.6350.
What is the quality score of OFX?
OFX Group Ltd has a Quality Score of 62/100. 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 OFX Group Ltd (OFX)?
Our model-based price target is the fair value of A$0.5789 (as of Sep 23, 2026) from 3 valuation models. Cautious scenario A$0.3387, optimistic scenario A$0.9598. It is a calculation from audited fundamentals, not an analyst target.
What is the OFX Group Ltd stock forecast for 2026?
Our models put fair value at A$0.5789, about −9% upside versus a price of A$0.6350 (fairly valued). Cautious scenario A$0.3387, optimistic scenario A$0.9598. The calculation is refreshed regularly with new filings.
What is the revenue of OFX Group Ltd (OFX)?
OFX Group Ltd reported trailing-twelve-month revenue of about A$213M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of OFX Group Ltd (OFX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For OFX Group Ltd it is A$0.5789 per share (as of Sep 23, 2026), against a price of A$0.6350. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is OFX Group Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, OFX trades above its calculated fair value: price A$0.6350, fair value A$0.5789, a gap of about −9% (fairly valued). 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 OFX?
No. The price is what the market pays today (A$0.6350); the fair value is what the company's own numbers justify (A$0.5789). For OFX Group Ltd the two are A$0.0561 per share apart. That gap is exactly why we show both numbers side by side.
How much is OFX Group Ltd worth?
The market values OFX Group Ltd at about A$148M (market capitalisation, as of Sep 23, 2026). Per share that is A$0.6350; our models calculate a fair value of A$0.5789 per share.
What do the bullish and bearish scenarios say about OFX?
Our models span a range for OFX Group Ltd: cautious scenario A$0.3387, base A$0.5789, optimistic A$0.9598 per share (as of Sep 23, 2026, price A$0.6350). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of OFX Group Ltd (OFX)?
Balance-sheet figures for OFX Group Ltd (as of Sep 23, 2026): return on equity −0.2%, debt of 0.10 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is OFX from its 52-week high?
OFX Group Ltd trades at A$0.6350, about 30% below its 52-week high of A$0.9050 and 38% above the low of A$0.4600 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.5789 is for.
Which stocks are comparable to OFX Group Ltd?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 OFX Group Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price A$0.6350, calculated fair value A$0.5789 (−9%), Quality Score 62/100, from 3 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 OFX calculated?
We run OFX Group Ltd through 3 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$0.5789, 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 14.0 % above its aggregate fair value. OFX Group Ltd itself currently trades above fair value. 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 OFX Group Ltd (OFX)?
The closing price on Sep 24, 2026 was A$0.6350. Our model-based fair value is A$0.5789, about −9% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with OFX Group Ltd right now?
The model range is unusually wide (A$0.3387 to A$0.9598). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of OFX Group Ltd (OFX) come from?
Earnings per share at OFX Group Ltd grew +2.9 % a year from 2015 to 2026. Broken into its drivers: revenue per share +1.6 %, EBIT margin +0.9 %, tax rate +1.8 %, residual (interest, one-offs) −1.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of OFX Group Ltd

How large is the market capitalisation of OFX Group Ltd (OFX)?
The market capitalisation of OFX Group Ltd is A$148M (≈ $104M). 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/E ratio of OFX Group Ltd (OFX) excluding one-off items?
Excluding one-off items, the price-to-earnings ratio of OFX Group Ltd is 69.8 (fiscal year 2026, the reported result was a loss).
What is the P/S ratio of OFX Group Ltd (OFX)?
The price-to-sales ratio of OFX Group Ltd is 0.59 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of OFX Group Ltd (OFX)?
The net margin of OFX Group Ltd is −0.2% (fiscal year 2026). 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 OFX Group Ltd (OFX)?
The return on equity (ROE) of OFX Group Ltd is −0.2% (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 OFX Group Ltd (OFX)?
On an EBIT basis the return on assets of OFX Group Ltd is 5.8% (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 OFX Group Ltd (OFX)?
The operating margin of OFX Group Ltd is −3.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at OFX Group Ltd (OFX)?
Revenue at OFX Group Ltd is growing −11.2% versus a year earlier (3y avg −2.4%). 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 OFX Group Ltd (OFX)?
Earnings per share at OFX Group Ltd are growing −77.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does OFX Group Ltd (OFX) generate?
The free cash flow of OFX Group Ltd is A$140M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does OFX Group Ltd (OFX) hold?
OFX Group Ltd holds more cash than debt, A$14.6M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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