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

As of Sep 24, 2026: fair value of Resimac Group Ltd A$0.72, price A$0.82, upside -11.7%, quality 46 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? No
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Financial Services · AU · ISIN AU0000033094

RG Thin data Sep 24, 2026

Resimac Group Ltd

RMC · AU

Weak valuationQuality is weak on top of the rich price.

!Fair value A$0.7200 · Overvalued (−12%)
!Quality 46/100
!Weak Growth (revenue 5y −19.1 %/yr)
✓Highly profitable · 25.3% net margin (TTM)
!High debt · negative free cash flow
·9.20% dividend yield
✓Ranks above peers (8/13)
!Moderate moat 62/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 18 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

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

A$1.46 A$0.5540 Fair Value A$0.7200 Jul 2021 Sep 2026

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 A$0.5540 – A$1.46 · fair‑value band A$0.6900 – A$0.8400 · the A$0.8150 price screens above the A$0.7200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Resimac Group Limited provides residential mortgage and asset finance lending products in Australia and New Zealand. The company operates through Home Loan Lending business, New Zealand Lending, and Asset Finance Lending segments.

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Resimac Group Limited provides residential mortgage and asset finance lending products in Australia and New Zealand. The company operates through Home Loan Lending business, New Zealand Lending, and Asset Finance Lending segments. It offers prime and specialist lending products; SME/commercial finance products; and home, equipment, secured, novated leasing, and car loans. It also provides mortgage originator and trustee, lender, mortgage manager and broker, consumer and commercial lending, managed investment trust, and LMI captive insurer services. In addition, it acts as a trust manager and servicer; warehouse mortgages; and an issuer of residential mortgage-backed securities. The company offers its products and services through brokers and wholesale channel primarily under the Resimac, Resimac (NZ), Resimac Asset Finance, and homeloans.com.au brand names. The company was formerly known as Homeloans Limited and changed its name to Resimac Group Resimac Group Limited in December 2018. Resimac Group Limited was founded in 1985 and is based in Sydney, Australia.

Stock analysis

Resimac Group Ltd (RMC) currently trades at A$0.8150, while our model-based Fair Value estimate is A$0.7200, implying the stock looks roughly 13.2% overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of A$3.06 per share, and 4 of the 6 models we run sit above the A$0.8150 price.

Bear case: the Asset-Based group reads lowest at A$0.6200, and 2 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: A$0.6900 (bear) to A$0.8400 (bull), the price of A$0.8150 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 46/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

Resimac Group Ltd reported revenue of A$164M in FY2025 versus A$479M in FY2021, a compound −23.5%/yr. Reported net income was A$34.6M in FY2025, compounding −24.7%/yr from FY2021.

Key figures

Market cap A$327M (≈ $230M) · P/E ratio 6.8 · P/S ratio 1.44 · EPS (TTM) A$0.1200 · Dividend yield 9.2% · Net margin 21.1% · Return on equity 12.1% · Return on assets (EBIT) 3.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).

What moves the price

The share trades about 24% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 17% fair-value upside, at −12%, RMC screens richer than that median.

Fair Value models

Bear A$0.6900 Fair Value A$0.7200 Bull A$0.8400
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 12 months old). Earnings retained since then (A$0.0450 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.
Highest evidence
Residual Income A$0.7200 A$0.7600 A$0.8100 74
P/E Multiple A$0.8500 A$1.14 A$1.42 63
Graham-Dodd A$0.5900 A$4.15 A$5.82 61
All 6 models by family
Earnings-Based
Graham-Dodd A$0.5900 A$4.15 A$5.82 61
Lynch FV A$2.14 A$3.06 A$3.98 59
Multiples
P/E Multiple A$0.8500 A$1.14 A$1.42 63
P/B Multiple A$0.9700 A$1.29 A$1.62 55
Asset-Based
NCAV (Graham) A$0.4600 A$0.6200 A$0.9200 54
Economic Profit
Residual Income A$0.7200 A$0.7600 A$0.8100 74

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Quality Score breakdown

Overall quality 46/100

Of which business quality 38 · Market factors (momentum, volatility) 31

Profitability 30
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 15
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 41
Calm price path (market factor)
Momentum 33
Price trend over the last 3–12 months (market factor)
52W Momentum 14
Distance to the 52-week high (market factor)
Net Issuance 84
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. 13/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−83.7%
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.
−31.2%
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.
−19.1%
Start year 2020 (pandemic)
Revenue growth 25 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.
+4.9%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+0.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−8.8%
Dividend (yield on the price)9.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−9% vs 20%, slowing
Profit margin 2020 to 2025 ⓘ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.74% → 63%
Start year 2020 (pandemic)

RMC screens 13% overvalued. Compare with Federal Home Loan Mortgage Corporation →

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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.Mortgage Finance · 93 stocks

Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −12% · Above median
Profitability
Return on equity (TTM) 12% · Above median
Return on assets 0% · Bottom 25%
Net margin (TTM) 25% · Below median
Operating margin (TTM) 39% · Below median
Growth and dividend
Revenue growth 46% · Top 25%
Dividend yield (TTM) 9.2% · Top 25%
Balance sheet
Debt / equity 29.62× · Highest 25%

Valuation Multiplesvs Mortgage Finance median · lower = cheaper

P/E (TTM) 6.8× · Cheapest 25%
P/B 0.63× · Cheaper than median
P/S (TTM) 1.18× · Cheaper than median
EV/EBITDA 10.9× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)18 · sector 8
FUTURE (revenue growth)100 · sector 100
PAST (return on equity)48 · sector 42
HEALTH (low debt)0 · sector 25
DIVIDEND (yield)100 · sector 98

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 Mortgage Finance stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Federal Home Loan Mortgage Corporation FMCCT $12.00 $24.00 +100%
Rocket Companies, Inc RKT $12.15 $3.23 −73%
Federal National Mortgage Association FNMAS $8.25 $2.01 −76%
Bajaj Housing Finance Limited BAJAJHFL ₹83.52 ₹24.32 −71%
PennyMac Financial Services, Inc PFSI $66.96 $125.45 +87%
UWM Holdings UWMC $1.26 $0.2100 −83%
LIC Housing Finance Limited LICHSGFIN ₹572.50 ₹1,145 +100%
PNB Housing Finance Limited PNBHOUSING ₹1,139 ₹1,330 +17%
Aadhar Housing Finance Limited AADHARHFC ₹454.55 ₹584.64 +29%
Walker & Dunlop, Inc WD $38.32 $32.25 −16%

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Resimac Group Ltd · Fair Value
A$0.7200 −13%Fair Value
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Cite: Fair Value Calculator (2026). "Resimac Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/RMC

Frequently asked questions

Is Resimac Group Ltd (RMC) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of A$0.7200 versus a price of A$0.8150, about −12% upside (overvalued).
What is the fair value of RMC?
Our model-based fair value for Resimac Group Ltd is A$0.7200 (as of Sep 24, 2026), built from audited fundamentals. The current price: A$0.8150.
What is the quality score of RMC?
Resimac Group Ltd has a Quality Score of 46/100. 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 Resimac Group Ltd (RMC)?
Our model-based price target is the fair value of A$0.7200 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario A$0.6900, optimistic scenario A$0.8400. It is a calculation from audited fundamentals, not an analyst target.
What is the Resimac Group Ltd stock forecast for 2026?
Our models put fair value at A$0.7200, about −12% upside versus a price of A$0.8150 (overvalued). Cautious scenario A$0.6900, optimistic scenario A$0.8400. The calculation is refreshed regularly with new filings.
What is the revenue of Resimac Group Ltd (RMC)?
Resimac Group Ltd reported trailing-twelve-month revenue of about A$196M (latest available figure, as of Sep 24, 2026).
Does Resimac Group Ltd pay a dividend?
Resimac Group Ltd currently shows a dividend yield of about 9.20% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Resimac Group Ltd (RMC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Resimac Group Ltd it is A$0.7200 per share (as of Sep 24, 2026), against a price of A$0.8150. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Resimac Group Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, RMC trades above its calculated fair value: price A$0.8150, fair value A$0.7200, a gap of about −12% (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 RMC?
No. The price is what the market pays today (A$0.8150); the fair value is what the company's own numbers justify (A$0.7200). For Resimac Group Ltd the two are A$0.0950 per share apart. That gap is exactly why we show both numbers side by side.
How much is Resimac Group Ltd worth?
The market values Resimac Group Ltd at about A$327M (market capitalisation, as of Sep 24, 2026). Per share that is A$0.8150; our models calculate a fair value of A$0.7200 per share.
What do the bullish and bearish scenarios say about RMC?
Our models span a range for Resimac Group Ltd: cautious scenario A$0.6900, base A$0.7200, optimistic A$0.8400 per share (as of Sep 24, 2026, price A$0.8150). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RMC?
Resimac Group Ltd trades at a price-to-earnings ratio of 6.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.7200 is built from several models across several years. Other multiples: P/B 0.6, P/S 1.2, EV/EBITDA 10.9.
How solid is the balance sheet of Resimac Group Ltd (RMC)?
Balance-sheet figures for Resimac Group Ltd (as of Sep 24, 2026): return on equity 12.1%. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is RMC from its 52-week high?
Resimac Group Ltd trades at A$0.8150, about 24% below its 52-week high of A$1.08 and 4% above the low of A$0.7800 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.7200 is for.
Which stocks are comparable to Resimac Group Ltd?
From the same area (Financial Services) we also value Federal Home Loan Mortgage Corporation, Rocket Companies, Inc, Federal National Mortgage Association, Bajaj Housing Finance Limited, 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 Resimac Group Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price A$0.8150, calculated fair value A$0.7200 (−12%), Quality Score 46/100, from 6 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 RMC calculated?
We run Resimac Group Ltd through 6 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$0.7200, 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. Resimac 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 Resimac Group Ltd (RMC)?
The closing price on Sep 24, 2026 was A$0.8150. Our model-based fair value is A$0.7200, about −12% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Resimac Group Ltd right now?
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.

Key figures of Resimac Group Ltd

How large is the market capitalisation of Resimac Group Ltd (RMC)?
The market capitalisation of Resimac Group Ltd is A$327M (≈ $230M). 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 Resimac Group Ltd (RMC)?
The price-to-sales ratio of Resimac Group Ltd is 1.44 (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 Resimac Group Ltd (RMC)?
Earnings per share at Resimac Group Ltd are A$0.1200 (price ÷ EPS = P/E 6.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Resimac Group Ltd (RMC)?
The dividend yield of Resimac Group Ltd is 9.2% (payout 62.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Resimac Group Ltd (RMC)?
The net margin of Resimac Group Ltd is 21.1% (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 Resimac Group Ltd (RMC)?
The return on equity (ROE) of Resimac Group Ltd is 12.1% (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 Resimac Group Ltd (RMC)?
On an EBIT basis the return on assets of Resimac Group Ltd is 3.3% (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 Resimac Group Ltd (RMC)?
The operating margin of Resimac Group Ltd is 39.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Resimac Group Ltd (RMC)?
Revenue at Resimac Group Ltd is growing +45.6% versus a year earlier (3y avg −31.2%). 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 Resimac Group Ltd (RMC)?
Earnings per share at Resimac Group Ltd are growing +113% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Resimac Group Ltd (RMC) generate?
The free cash flow of Resimac Group Ltd is −A$431M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Resimac Group Ltd (RMC) carry?
The net debt of Resimac Group Ltd is A$10.0B (fiscal year 2025). 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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