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Sequoia Financial Group (SEQ) Fair Value & Analysis

Financial Services · AU · Market cap A$14.7M

SF Sequoia Financial Group SEQ · AU
PriceA$0.1150
Fair ValueA$0.2400
Upside+108.7%
Quality72/100
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Mixed Growth
Loss-making · -0.5% net margin
Low debt · generates free cash flow
25.00% dividend yield
Mixed vs. peers (7/13)
Narrow moat 26/100
Evidence: High Range A$0.1810 – A$0.2990 Share as image

Fair value as of: Jul 18, 2026

From 11 valuation models · updated 24 days ago

Fair value updated Jul 18, 2026, revised from A$0.2200 to A$0.2400 (+9.1%) since Jun 26, 2026. Share price +4.5% over the past month.

A solid business, screening 109% undervalued on our models.

What matters now

  • The rarer combination: high quality (72/100) AND below fair value. That earns a closer look rather than a quick verdict.
  • The price is below even our cautious bear case (A$0.1810). The market is more pessimistic than our downside scenario.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

A$0.5222 A$0.1050 Fair Value A$0.2400 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.

How to read this chart

60‑month range A$0.1050 – A$0.5222 · fair‑value band A$0.1810 – A$0.2990 · the A$0.1150 price screens below the A$0.2400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.

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Analysis

Sequoia Financial Group (SEQ) currently trades at A$0.1150, while our model-based Fair Value estimate is A$0.2400, implying the stock looks roughly 108.7% undervalued today. The Quality Score stands at 72/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Sequoia Financial Group generated revenue of A$122M at a net margin of -0.5%. Revenue grew 4.6% year over year. It earns a return on equity of -1.3%. Fundamentals as of Jul 18, 2026

Our scenario range runs from A$0.1810 (bear case) to A$0.2990 (bull case); at A$0.1150, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 66% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -15% fair-value upside, at 109%, SEQ screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

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
Highest evidence
Growth DCF A$0.4000 A$0.6300 A$0.9800 80
Residual Income A$0.2900 A$0.2900 A$0.2600 76
Rev-Margin DCF A$0.7500 A$1.39 A$2.72 74
All 11 models by family
DCF Models
Owner Earnings A$0.4400 A$0.8400 A$1.53 31
5Y P/E Exit A$0.3400 A$0.6500 A$1.06 38
10Y P/E Exit A$0.3700 A$0.6800 A$1.15 35
Earnings-Based
Graham-Dodd A$0.1800 A$1.25 A$1.75 54
Lynch FV A$0.6400 A$0.9200 A$1.20 50
Multiples
P/E Multiple A$0.2600 A$0.3400 A$0.4300 63
P/B Multiple A$0.3400 A$0.4500 A$0.5600 55
Asset-Based
NCAV (Graham) A$0.2000 A$0.2700 A$0.4000 50
Growth DCF
Growth DCF A$0.4000 A$0.6300 A$0.9800 80
Rev-Margin DCF A$0.7500 A$1.39 A$2.72 74
Economic Profit
Residual Income A$0.2900 A$0.2900 A$0.2600 76

Widest divergence: Earnings-Based (A$0.9200) versus Asset-Based (A$0.2700). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) A$122M
Revenue growth (YoY) +4.6%
Net margin -0.5%
Return on equity -1.3%
Free cash flow A$4.0M FY2025
Operating margin 5.9%
More key figures
EPS growth (YoY) -86.0%
Net debt A$236K FY2025

Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 72/100

Of which business quality 71 · Market factors (momentum, volatility) 16

Profitability 59
Margins and returns on capital today
Quality Growth 56
Are margins and returns improving?
Cashflow 51
Earnings quality: real cash, not paper profit
Fin. Strength 80
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 0
Price trend over the last 3–12 months (market factor)
52W Momentum 4
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Sequoia Financial Group Limited, an integrated financial services company, provides financial products and services to retail and wholesale clients, and third-party professional service firms in Australia. It operates through two segments, Licensee and Adviser services; and Legal and Administration services.

Full company description

Sequoia Financial Group Limited, an integrated financial services company, provides financial products and services to retail and wholesale clients, and third-party professional service firms in Australia. It operates through two segments, Licensee and Adviser services; and Legal and Administration services. The Licensee and Adviser services segment provides licensee services to financial planners and advisors; financial planning personal and general advice to wholesale and retail investors; and equity capital markets support, M&A advice, corporate access and investor relations services to listed and private companies. The Legal and Administration services segment acts as a service provider to accountancy firms, dealer groups, financial planning, law firms and direct trustees. It also offers SMSF services, such as bare trust, mailbox service, bookkeeping, financials preparation, auditing services, and SMSF taxation lodgement; stockbroking services; and life, total and permanent disablement, trauma/critical illness/recovery, partnership, and key person insurance products, as well as income protection services. In addition, the company provides investment products; and home and investment loans and refinancing. The company was formerly known as MDS Financial Group Limited and changed its name to Sequoia Financial Group Limited in December 2015. The company is based in Melbourne, Australia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Sequoia Financial Group reported revenue of A$119M in FY2025 versus A$116M in FY2021, a compound +0.5%/yr. Reported net income was A$3.2M in FY2025, compounding −12.7%/yr from FY2021.

Growth Quality 55/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
A$119M
Latest YoY
−4.5%
Avg. growth/yr (3Y) 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.
+2.5%
Avg. growth/yr (5Y) 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.
+7.1%
Avg. growth/yr (24Y) 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.
+14.5%
Revenue +0.5%/yr
FY21 A$116M
FY22 A$110M
FY23 A$98.5M
FY24 A$125M
FY25 A$119M
Net income −12.7%/yr
FY21 A$5.5M
FY22 A$5.7M
FY23 −A$2.6M
FY24 A$24.0M
FY25 A$3.2M

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Cite: Fair Value Calculator (2026). "Sequoia Financial Group Fair Value". https://www.fairvalue-calculator.com/stock/SEQ

Peer Group

Financial Conglomerates · 55 stocks

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.

Quality Score 71 · Top 25%
Fair Value upside +109% · Top 25%
Return on assets -1% · Bottom 25%
Net margin (TTM) -1% · Bottom 25%
Operating margin (TTM) 6% · Bottom 25%
Revenue growth 5% · Below median
Dividend yield (TTM) 25.0% · Top 25%

Valuation Multiples vs Financial Conglomerates median · lower = cheaper

P/B 0.21× · Cheaper than 75% of peers
P/S (TTM) 0.09× · Cheaper than 75% of peers
P/FCF 2.6× · Pricier than median
PEG 1.07× · Cheaper than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 13
FUTURE 23 · sector 39
PAST 0 · sector 33
HEALTH 100 · sector 84
DIVIDEND 100 · sector 41

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).

Stock Price Fair Value vs Fair Value
ORIX Corporation IX $40.31 $35.05 -13%
Bajaj Finserv Ltd BAJAJFINSV ₹2,065 ₹682.29 -67%
Yuanta Financial Holding 2885 66.70 TWD 35.75 TWD -46%
China Galaxy Securities Co 601881 ¥12.94 ¥18.92 +46%
Guosen Securities Co 002736 ¥10.34 ¥17.96 +74%
CNPC Capital Company 000617 ¥6.80 ¥5.78 -15%
Aditya Birla Capital Limited ABCAPITAL ₹399.25 ₹176.15 -56%
Freedom Holding FRHC $152.69 $32.75 -79%
Voya Financial, Inc VOYA $98.49 $76.48 -22%
Guangzhou Yuexiu Capital Holdings 000987 ¥7.77 ¥9.27 +19%

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Frequently asked questions

Is Sequoia Financial Group (SEQ) overvalued or undervalued?
As of Jul 18, 2026, our model estimates a fair value of A$0.2400 versus a price of A$0.1150, about +109% (undervalued).
What is the fair value of SEQ?
Our model-based fair value for Sequoia Financial Group is A$0.2400 (as of Jul 18, 2026), built from audited fundamentals. The current price is A$0.1150.
What is the quality score of SEQ?
Sequoia Financial Group has a Quality Score of 72/100. 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 revenue of Sequoia Financial Group (SEQ)?
Sequoia Financial Group reported trailing-twelve-month revenue of about A$122M (latest available figure, as of Jul 18, 2026).
What is the net profit margin of SEQ?
The net profit margin of Sequoia Financial Group is about -0.5%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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