Plenti Group Ltd (PLT) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Plenti Group Ltd A$0.49, price A$0.76, upside -35.1%, quality 44 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 23, 2026.
How to read this chart
60‑month range A$0.3300 – A$1.66 · fair‑value band A$0.4200 – A$1.96 · the A$0.7550 price screens above the A$0.4900 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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Plenti Group Limited operates as a digital lender company to consumer and commercial borrowers in Australia. It personal, car, debt consolidation, holiday, EV, green, wedding, motorcycle, caravan, dental, funeral, education, jet ski, moving costs, secured car, unsecured personal, and car repair loans, as well renewable energy loans.
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Plenti Group Limited operates as a digital lender company to consumer and commercial borrowers in Australia. It personal, car, debt consolidation, holiday, EV, green, wedding, motorcycle, caravan, dental, funeral, education, jet ski, moving costs, secured car, unsecured personal, and car repair loans, as well renewable energy loans. The company also provides auto refinancing; and invest in fixed income, green income, and provision fund. Plenti Group Limited was founded in 2014 and is headquartered in Sydney, Australia.
Stock analysis
Plenti Group Ltd (PLT) currently trades at A$0.7550, while our model-based Fair Value estimate is A$0.4900, implying the stock looks roughly 54.1% overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of A$3.40 per share, and 5 of the 8 models we run sit above the A$0.7550 price.
Bear case: the Asset-Based group reads lowest at A$0.3300, and 3 of the 8 models stay below the price. Evidence for this calculation is low.
Scenario range: A$0.4200 (bear) to A$1.96 (bull), the price of A$0.7550 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 44/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Plenti Group Ltd reported revenue of A$312M in FY2025 versus A$88.5M in FY2021, a compound +37.1%/yr. Reported net income was A$14.3M in FY2025.
Key figures
Market cap A$143M (≈ $101M) · P/E ratio 9.4 · P/S ratio 0.43 · EPS (TTM) A$0.0800 · Net margin 4.6% · Return on equity 21.8% · Return on assets (EBIT) 3.6% · Operating margin 9.5%.
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 53% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −35%, PLT screens richer than that median.
Fair Value models
Bear A$0.4200Fair Value A$0.4900Bull A$1.96
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (A$0.0587 per share) are deliberately not added.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.
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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+35.0%
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.
+29.6%
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.
+43.4%
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.
+44.8%
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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.
−15.4% (2020) → 56.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+46.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about +42.0% a year for the price.
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.Credit Services · 331 stocks
Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score47 · Below median
Fair Value upside−35% · Below median
Profitability
Return on equity (TTM)22% · Top 25%
Return on assets0% · Bottom 25%
Net margin (TTM)12% · Below median
Operating margin (TTM)9% · Bottom 25%
Growth and dividend
Revenue growth27% · Above median
Balance sheet
Debt / equity34.19× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)9.4× · Cheaper than median
P/B1.13× · Pricier than median
P/S (TTM)0.81× · Cheapest 25%
P/FCF2.1× · Pricier than median
EV/EBITDA16.2× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 49
FUTURE (revenue growth)100· sector 36
PAST (return on equity)87· sector 32
HEALTH (low debt)0· sector 59
DIVIDEND (yield)0· sector 68
VALUE 0: the price sits above our fair-value range.
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). "Plenti Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/PLT
Frequently asked questions
Is Plenti Group Ltd (PLT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of A$0.4900 versus a price of A$0.7550, about −35% upside (overvalued).
What is the fair value of PLT?
Our model-based fair value for Plenti Group Ltd is A$0.4900 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$0.7550.
What is the quality score of PLT?
Plenti Group Ltd has a Quality Score of 44/100. 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 Plenti Group Ltd (PLT)?
Our model-based price target is the fair value of A$0.4900 (as of Sep 23, 2026) from 9 valuation models. Cautious scenario A$0.4200, optimistic scenario A$1.96. It is a calculation from audited fundamentals, not an analyst target.
What is the Plenti Group Ltd stock forecast for 2026?
Our models put fair value at A$0.4900, about −35% upside versus a price of A$0.7550 (overvalued). Cautious scenario A$0.4200, optimistic scenario A$1.96. The calculation is refreshed regularly with new filings.
What is the revenue of Plenti Group Ltd (PLT)?
Plenti Group Ltd reported trailing-twelve-month revenue of about A$124M (latest available figure, as of Sep 23, 2026).
What growth is priced into Plenti Group Ltd (PLT)?
For today's price to be fair in a discounted-cash-flow model, Plenti Group Ltd would have to grow free cash flow by +46.2 % per year for five years (discount rate 14.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +43.4 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of PLT use?
Our models discount Plenti Group Ltd at 14.5 %: a base by market capitalisation (micro), damped by beta 1.62, country premium for Australia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Plenti Group Ltd that is +46.2 % per year a year over ten years, using the same discount rate (14.5 %) and the same formula as our fair value.
How much growth has Plenti Group Ltd (PLT) delivered so far?
Over the past 5 years revenue at Plenti Group Ltd grew +43.4 % a year. The price currently implies +46.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Plenti Group Ltd (PLT) growing?
The median revenue growth in the sector is +8.3 % a year. That is the yardstick for the growth priced into Plenti Group Ltd (+46.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Plenti Group Ltd (PLT)?
The free-cash-flow yield on the price is 34.02 %: that much free cash flow Plenti Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (14.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Plenti Group Ltd (PLT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Plenti Group Ltd it is A$0.4900 per share (as of Sep 23, 2026), against a price of A$0.7550. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Plenti Group Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PLT trades above its calculated fair value: price A$0.7550, fair value A$0.4900, a gap of about −35% (overvalued). 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 PLT?
No. The price is what the market pays today (A$0.7550); the fair value is what the company's own numbers justify (A$0.4900). For Plenti Group Ltd the two are A$0.2650 per share apart. That gap is exactly why we show both numbers side by side.
How much is Plenti Group Ltd worth?
The market values Plenti Group Ltd at about A$143M (market capitalisation, as of Sep 23, 2026). Per share that is A$0.7550; our models calculate a fair value of A$0.4900 per share.
What do the bullish and bearish scenarios say about PLT?
Our models span a range for Plenti Group Ltd: cautious scenario A$0.4200, base A$0.4900, optimistic A$1.96 per share (as of Sep 23, 2026, price A$0.7550). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PLT?
Plenti Group Ltd trades at a price-to-earnings ratio of 9.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.4900 is built from several models across several years. Other multiples: P/B 1.1, P/S 0.8, EV/EBITDA 16.2.
How solid is the balance sheet of Plenti Group Ltd (PLT)?
Balance-sheet figures for Plenti Group Ltd (as of Sep 23, 2026): return on equity 21.8%. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is PLT from its 52-week high?
Plenti Group Ltd trades at A$0.7550, about 53% below its 52-week high of A$1.60 and 9% above the low of A$0.6900 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.4900 is for.
Which stocks are comparable to Plenti Group 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 Plenti Group Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price A$0.7550, calculated fair value A$0.4900 (−35%), Quality Score 44/100, 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 PLT calculated?
We run Plenti Group 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$0.4900, 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 13.0 % above its aggregate fair value. Plenti 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 Plenti Group Ltd (PLT)?
The closing price on Sep 24, 2026 was A$0.7550. Our model-based fair value is A$0.4900, about −35% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Plenti Group Ltd right now?
Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide (A$0.4200 to A$1.96). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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 Plenti Group Ltd
How large is the market capitalisation of Plenti Group Ltd (PLT)?
The market capitalisation of Plenti Group Ltd is A$143M (≈ $101M). 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 Plenti Group Ltd (PLT)?
The price-to-sales ratio of Plenti Group Ltd is 0.43 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Plenti Group Ltd (PLT)?
Earnings per share at Plenti Group Ltd are A$0.0800 (price ÷ EPS = P/E 9.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Plenti Group Ltd (PLT)?
The net margin of Plenti Group Ltd is 4.6% (fiscal year 2025). 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 Plenti Group Ltd (PLT)?
The return on equity (ROE) of Plenti Group Ltd is 21.8% (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 Plenti Group Ltd (PLT)?
On an EBIT basis the return on assets of Plenti Group Ltd is 3.6% (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 Plenti Group Ltd (PLT)?
The operating margin of Plenti Group Ltd is 9.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Plenti Group Ltd (PLT)?
Revenue at Plenti Group Ltd is growing +26.6% versus a year earlier (3y avg +29.6%). 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 Plenti Group Ltd (PLT)?
Earnings per share at Plenti Group Ltd are growing −83.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Plenti Group Ltd (PLT) carry?
The net debt of Plenti Group Ltd is A$2.8B (fiscal year 2025, ≈ 57.2 yrs of FCF). 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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