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Steadfast Group (SFGLF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Steadfast Group $2.78, price $4.19, upside -33.7%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Some data
Sep 24, 2026
Some data
Sep 24, 2026
Steadfast Group
SFGLF · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
!Fair value $2.78 · Overvalued (−33.7%)
✓Quality 62/100
!Mixed Growth (revenue 5y +17.4 %/yr)
✓Solidly profitable · 16.1% net margin (TTM)
✓Moderate debt · generates free cash flow
✓4.7% dividend yield · Sustainable
✓Wide moat 69/100
!Evidence only medium, so the estimate is less certain
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
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 $1.43 – $4.19 · fair‑value band $1.61 – $3.65 · the $4.19 price screens above the $2.78 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Steadfast Group Limited provides general insurance brokerage services Australasia, Asia, and Europe. It also offers insurance underwriting services and related services.
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Steadfast Group Limited provides general insurance brokerage services Australasia, Asia, and Europe. It also offers insurance underwriting services and related services. In addition, the company provides various business insurance products, such as aviation, business pack and interruption, contract works, corporate travel, cyber, events, farm, marine, management and product liability, professional indemnity, public liability, trade credit, and workers compensation insurance. Further, it offers personal insurance products, including home and contents, landlord, motor, life, and strata insurance. The company operates a network of general insurance brokers and insurance underwriting agencies. Steadfast Group Limited was incorporated in 1996 and is based in Sydney, Australia.
Stock analysis
Steadfast Group (SFGLF) currently trades at $4.19, while our model-based Fair Value estimate is $2.78, 33.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $2.35 per share, and 0 of the 6 models we run sit above the $4.19 price.
Bear case: the Asset-Based group reads lowest at $1.10, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $1.61 (bear) to $3.65 (bull), the price of $4.19 sits above 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.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Steadfast Group reported revenue of A$1.3B in FY2025 versus A$636M in FY2021, a compound +20.0%/yr. Reported net income was A$335M in FY2025, compounding +23.7%/yr from FY2021.
Key figures
Market cap $4.6B · P/E ratio 18.2 · P/S ratio 4.62 · EPS (TTM) $0.2300 · Dividend yield 4.7% · Net margin 25.4% · Return on equity 16.5% · Return on assets (EBIT) 4.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 23% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −54% fair-value upside, at −34%, SFGLF screens cheaper than that median.
Fair Value models
Bear $1.61
Fair Value $2.78
Bull $3.65
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 ($0.0310 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. 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.
Highest evidence
Residual Income
$1.54
$1.79
$2.32
76
Gordon GGM
$1.37
$2.72
$4.13
67
DDM Multi-Stage
$1.37
$2.35
$2.88
67
All 6 models by family
Dividend Discount
Gordon GGM
$1.37
$2.72
$4.13
67
DDM Multi-Stage
$1.37
$2.35
$2.88
67
Multiples
P/E Multiple
$2.04
$2.72
$3.41
63
P/B Multiple
$1.73
$2.30
$2.88
55
Asset-Based
NCAV (Graham)
$0.8200
$1.10
$1.64
54
Economic Profit
Residual Income
$1.54
$1.79
$2.32
76
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Set up alert →Quality Score breakdown
Overall quality
62/100
Of which business quality 63 · Market factors (momentum, volatility) 69
Profitability
47
Margins and returns on capital today
Quality Growth
52
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
61
Balance sheet, leverage, solvency risk
Investment
48
Disciplined investing over empire-building
Low Volatility
82
Calm price path (market factor)
Momentum
60
Price trend over the last 3–12 months (market factor)
52W Momentum
70
Distance to the 52-week high (market factor)
Net Issuance
59
Share count: buybacks or dilution?
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.
88/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+9.9%
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.
+18.5%
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.
+17.4%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
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. Basis: EBIT basis.
≈ +16.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.4%
Dividend (yield on the price)4.7%
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.18% → 20%
⚠ Rate on operating basis: 2025 sits 66% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
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).
−0.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+25.0%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in AUD, Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about −3.5% a year for the price and +21.4% for the forecasts.
Forecast 2026 (sales)+29.1%
Forecast 2027 (sales)+29.1%
Projected 2028 (sales)+25.7%
Projected 2029 (sales)+22.3%
Projected 2030 (sales)+18.9%
Compare Steadfast Group with another stock
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA 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 Insurance Brokers stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $171.12 | $78.64 | −54% |
| Arthur J. Gallagher & Co AJG | $229.46 | $75.76 | −67% |
| Aon plc AON | $277.99 | $120.53 | −57% |
| Willis Towers Watson Public Limited WTW | $293.99 | $145.43 | −51% |
| Brown & Brown, Inc BRO | $61.77 | $35.18 | −43% |
| Erie Indemnity Company ERIE | $222.43 | $100.27 | −55% |
| PB Fintech Limited POLICYBZR | ₹1,166 | ₹137.52 | −88% |
| Accelerant Holdings ARX | $19.73 | $39.46 | +100% |
| Neptune Insurance Holdings NP | $27.51 | $3.33 | −88% |
| CorVel Corporation CRVL | $74.47 | $39.94 | −46% |
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Frequently asked questions
Is Steadfast Group (SFGLF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $2.78 versus the last price from Sep 25, 2026 of $4.19, about −34% upside (overvalued).
What is the fair value of SFGLF?
Our model-based fair value for Steadfast Group is $2.78 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $4.19.
What is the quality score of SFGLF?
Steadfast Group 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 Steadfast Group (SFGLF)?
Our model-based price target is the fair value of $2.78 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $1.61, optimistic scenario $3.65. It is a calculation from audited fundamentals, not an analyst target.
What is the Steadfast Group stock forecast for 2026?
Our models put fair value at $2.78, about −34% upside versus the last price from Sep 25, 2026 of $4.19 (overvalued). Cautious scenario $1.61, optimistic scenario $3.65. The calculation is refreshed regularly with new filings.
What is the revenue of Steadfast Group (SFGLF)?
Steadfast Group reported trailing-twelve-month revenue of about A$2.2B (latest available figure, as of Sep 24, 2026).
Does Steadfast Group pay a dividend?
Steadfast Group currently shows a dividend yield of about 4.75% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Steadfast Group (SFGLF)?
For today's price to be fair in a discounted-cash-flow model, Steadfast Group would have to grow free cash flow by -0.7 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of SFGLF use?
Our models discount Steadfast Group at 8.5 %: a base by market capitalisation (mid), damped by beta 0.19, country premium for USA. 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 Steadfast Group that is -0.7 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has Steadfast Group (SFGLF) delivered so far?
Over the past 5 years revenue at Steadfast Group grew +17.4 % a year. The price currently implies -0.7 % 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 Steadfast Group (SFGLF) growing?
The median revenue growth in the sector is +9.7 % a year. That is the yardstick for the growth priced into Steadfast Group (-0.7 % 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 Steadfast Group (SFGLF)?
The free-cash-flow yield on the price is 7.36 %: that much free cash flow Steadfast Group produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Steadfast Group (SFGLF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Steadfast Group it is $2.78 per share (as of Sep 24, 2026), against a price of $4.19. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Steadfast Group stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SFGLF trades above its calculated fair value: price $4.19, fair value $2.78, a gap of about −34% (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 SFGLF?
No. The price is what the market pays today ($4.19); the fair value is what the company's own numbers justify ($2.78). For Steadfast Group the two are $1.41 per share apart. That gap is exactly why we show both numbers side by side.
How much is Steadfast Group worth?
The market values Steadfast Group at about $4.6B (market capitalisation, as of Sep 24, 2026). Per share that is $4.19; our models calculate a fair value of $2.78 per share.
What do the bullish and bearish scenarios say about SFGLF?
Our models span a range for Steadfast Group: cautious scenario $1.61, base $2.78, optimistic $3.65 per share (as of Sep 24, 2026, price $4.19). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is SFGLF from its 52-week high?
Steadfast Group trades at $4.19, at its 52-week high of $4.19 and 23% above the low of $3.41 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $2.78 is for.
Which stocks are comparable to Steadfast Group?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public 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 Steadfast Group stock attractive at the current price?
The data as of Sep 24, 2026: price $4.19, calculated fair value $2.78 (−34%), Quality Score 62/100, 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 SFGLF calculated?
We run Steadfast Group 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 $2.78, 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. Steadfast Group 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 Steadfast Group (SFGLF)?
The latest price we hold is from Sep 25, 2026 and stands at $4.19. Our model-based fair value is $2.78, about −34% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Steadfast Group right now?
The price sits above even our optimistic bull case ($3.65). The favourable scenario is already priced in. Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($1.61 to $3.65) leaves room in how you read the outcome. 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 Steadfast Group
How large is the market capitalisation of Steadfast Group (SFGLF)?
The market capitalisation of Steadfast Group is $4.6B. 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 Steadfast Group (SFGLF)?
The price-to-earnings ratio of Steadfast Group is 18.2. Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Steadfast Group (SFGLF)?
The price-to-sales ratio of Steadfast Group is 4.62 (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 Steadfast Group (SFGLF)?
Earnings per share at Steadfast Group are $0.2300 (price ÷ EPS = P/E 18.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Steadfast Group (SFGLF)?
The dividend yield of Steadfast Group is 4.7% (payout 86.5%). 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 Steadfast Group (SFGLF)?
The net margin of Steadfast Group is 25.4% (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 Steadfast Group (SFGLF)?
The return on equity (ROE) of Steadfast Group is 16.5% (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 Steadfast Group (SFGLF)?
On an EBIT basis the return on assets of Steadfast Group is 4.4% (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 Steadfast Group (SFGLF)?
The operating margin of Steadfast Group is 27.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Steadfast Group (SFGLF)?
Revenue at Steadfast Group is growing +14.9% versus a year earlier (3y avg +18.5%). 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 Steadfast Group (SFGLF)?
Earnings per share at Steadfast Group are growing +19.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Steadfast Group (SFGLF) carry?
The net debt of Steadfast Group is A$14.1M (fiscal year 2021, ≈ 0.0 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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