OFX Group Ltd (OZFRY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of OFX Group Ltd $2.61, price $2.50, upside +4.4%, quality 63 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 24, 2026.
How to read this chart
60‑month range $1.58 – $9.70 · fair‑value band $1.54 – $4.29 · the $2.50 price screens below the $2.61 fair value. Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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 ADR (OZFRY) currently trades at $2.50, while our model-based Fair Value estimate is $2.61, so the stock looks roughly fairly valued today (gap 4.2%).
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Valuation
Bull case: the DCF Models group reads highest at a median of $8.43 per share, and 2 of the 3 models we run sit above the $2.50 price.
Bear case: the Asset-Based group reads lowest at $1.75, and 1 of the 3 models stay below the price. Evidence for this calculation is low.
Scenario range: $1.54 (bear) to $4.29 (bull), the price of $2.50 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 63/100 (solid quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
OFX Group Ltd ADR reported revenue of A$204M in FY2026 versus A$158M in FY2022, a compound +6.6%/yr. Reported net income was −A$375K in FY2026.
Key figures
Market cap $116M · P/S ratio 0.48 · EPS (TTM) $−0.0100 · Net margin −0.2% · Return on equity −0.2% · Return on assets (EBIT) 5.2% · Operating margin −3.5% · Revenue (TTM) A$213M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 58% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at 4%, OZFRY screens cheaper than that median.
Fair Value models
Bear $1.54Fair Value $2.61Bull $4.29
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. 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.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.55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
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.
−3.7%
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.
+8.7%
Start year 2021 (pandemic). Over 10 years: +6.1% a year
Revenue growth 13 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.
+10.5%
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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
Price, fair value, quality and upside side by side.
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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 · 462 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on assets−0.2% · Bottom 25%
Net margin (TTM)−0.2% · Bottom 25%
Operating margin (TTM)−3.5% · Bottom 25%
Growth and dividend
Revenue growth−11.2% · Bottom 25%
Balance sheet
Debt / equity0.10× · Below median
Valuation Multiplesvs Capital Markets median · lower = cheaper
P/B0.67× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
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). "OFX Group Ltd ADR Fair Value". https://www.fairvalue-calculator.com/stock/OZFRY
Frequently asked questions
Is OFX Group Ltd (OZFRY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $2.61 versus the last price from Sep 25, 2026 of $2.50, about +4% upside (fairly valued).
What is the fair value of OZFRY?
Our model-based fair value for OFX Group Ltd ADR is $2.61 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $2.50.
What is the quality score of OZFRY?
OFX Group Ltd ADR has a Quality Score of 63/100. 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 (OZFRY)?
Our model-based price target is the fair value of $2.61 (as of Sep 24, 2026) from 3 valuation models. Cautious scenario $1.54, optimistic scenario $4.29. It is a calculation from audited fundamentals, not an analyst target.
What is the OFX Group Ltd ADR stock forecast for 2026?
Our models put fair value at $2.61, about +4% upside versus the last price from Sep 25, 2026 of $2.50 (fairly valued). Cautious scenario $1.54, optimistic scenario $4.29. The calculation is refreshed regularly with new filings.
What is the revenue of OFX Group Ltd (OZFRY)?
OFX Group Ltd ADR reported trailing-twelve-month revenue of about A$213M (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of OFX Group Ltd (OZFRY)?
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 ADR it is $2.61 per share (as of Sep 24, 2026), against a price of $2.50. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is OFX Group Ltd ADR stock overvalued or undervalued in 2026?
As of Sep 24, 2026, OZFRY trades below its calculated fair value: price $2.50, fair value $2.61, a gap of about +4% (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 OZFRY?
No. The price is what the market pays today ($2.50); the fair value is what the company's own numbers justify ($2.61). For OFX Group Ltd ADR the two are $0.1087 per share apart. That gap is exactly why we show both numbers side by side.
How much is OFX Group Ltd ADR worth?
The market values OFX Group Ltd ADR at about $116M (market capitalisation, as of Sep 24, 2026). Per share that is $2.50; our models calculate a fair value of $2.61 per share.
What do the bullish and bearish scenarios say about OZFRY?
Our models span a range for OFX Group Ltd ADR: cautious scenario $1.54, base $2.61, optimistic $4.29 per share (as of Sep 24, 2026, price $2.50). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of OFX Group Ltd (OZFRY)?
Balance-sheet figures for OFX Group Ltd ADR (as of Sep 24, 2026): return on equity −0.2%, debt of 0.10 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is OZFRY from its 52-week high?
OFX Group Ltd ADR trades at $2.50, about 6% below its 52-week high of $2.65 and 58% above the low of $1.58 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $2.61 is for.
Which stocks are comparable to OFX Group Ltd ADR?
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 ADR stock attractive at the current price?
The data as of Sep 24, 2026: price $2.50, calculated fair value $2.61 (+4%), Quality Score 63/100, 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 OZFRY calculated?
We run OFX Group Ltd ADR 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 $2.61, 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 14.5 % above its aggregate fair value. OFX Group Ltd ADR currently trades 4 % 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 OFX Group Ltd (OZFRY)?
The latest price we hold is from Sep 25, 2026 and stands at $2.50. Our model-based fair value is $2.61, about +4% 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 ADR right now?
The model range is unusually wide ($1.54 to $4.29). 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 (OZFRY) come from?
Earnings per share at OFX Group Ltd ADR grew +2.9 % a year from 2015 to 2026. Broken into its drivers: revenue per share +1.6 %, EBIT margin −2.1 %, tax rate +1.8 %, residual (interest, one-offs) +1.6 %. 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 ADR
How large is the market capitalisation of OFX Group Ltd (OZFRY)?
The market capitalisation of OFX Group Ltd ADR is $116M. 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 OFX Group Ltd (OZFRY)?
The price-to-sales ratio of OFX Group Ltd ADR is 0.48 (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 OFX Group Ltd (OZFRY)?
Earnings per share at OFX Group Ltd ADR are $−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of OFX Group Ltd (OZFRY)?
The net margin of OFX Group Ltd ADR 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 (OZFRY)?
The return on equity (ROE) of OFX Group Ltd ADR 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 (OZFRY)?
On an EBIT basis the return on assets of OFX Group Ltd ADR is 5.2% (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 (OZFRY)?
The operating margin of OFX Group Ltd ADR 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 (OZFRY)?
Revenue at OFX Group Ltd ADR is growing −11.2% versus a year earlier (3y avg −3.7%). 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 (OZFRY)?
Earnings per share at OFX Group Ltd ADR 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 (OZFRY) generate?
The free cash flow of OFX Group Ltd ADR is A$135M (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 (OZFRY) hold?
OFX Group Ltd ADR holds more cash than debt, A$14.5M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 24, 2026