Valuation
Value
Consensus
Website
N/A
Telephone
N/A
Address
800 Collins Street Docklands, Victoria (VIC) 3008
Description
Latitude Group Holdings Ltd. engages in the installment and lending business. It operates through the following segment: Australia, New Zealand, and Other/Unallocated. The Australia segment includes LatitudePay and other payments and instalments products, LMoney including credit cards, personal loans and motor loans, inclusive of Symple Loans. The New Zealand segment focuses on Genoapay and other payments and instalments products, credit cards, and personal loans. The Other/Unallocated segment consists of consumer credit insurance, international operations, other statutory adjustments. The company was founded in 1925 and is headquartered in Docklands, Australia.
Historical data
Forecast data
| AUD | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Per Share, Growth & Valuations | ||||||||||||
| EPS (Basic) | $ |
|
|
|
|
0.18 | 0.04 | -0.14 |
|
|
|
|
| EPS (Fully Diluted) | $ |
|
|
|
|
0.16 | 0.03 | -0.14 |
|
|
|
|
| Growth | % |
|
|
|
|
602.4 | -79.7 | -475.5 |
|
|
|
|
| PE | X |
|
|
|
|
8.3 | 10.6 | 53.9 |
|
|
|
|
| EV/EBITDA | X |
|
|
|
|
0.0 | 4.5 | 17.4 |
|
|
|
|
| CFPS | $ |
|
|
|
|
0.41 | 0.20 | 0.28 |
|
|
|
|
| FCFPS | $ |
|
|
|
|
0.27 | -0.32 | 0.23 |
|
|
|
|
| Growth | % |
|
|
|
|
53.3 | -52.1 | 42.9 |
|
|
|
|
| Yield | % |
|
|
|
|
13.6 | -24.4 | 19.9 |
|
|
|
|
| DPS | $ |
|
|
|
|
0.16 | 0.12 | 0.00 |
|
|
|
|
| Growth | % |
|
|
|
|
N/A | -24.5 | -100.0 |
|
|
|
|
| Yield | % |
|
|
|
|
7.7 | 10.0 | 0.4 |
|
|
|
|
| Payout Ratio | % |
|
|
|
|
88 | 200 | 0 |
|
|
|
|
| BPS | $ |
|
|
|
|
1.50 | 1.42 | 1.19 |
|
|
|
|
| BPS (Tangible) | $ |
|
|
|
|
0.49 | 0.50 | 0.39 |
|
|
|
|
| Growth | % |
|
|
|
|
285.1 | 1.7 | -23.1 |
|
|
|
|
| Shares Outstanding | ||||||||||||
| Diluted | m |
|
|
|
|
981 | 1,151 | 1,040 |
|
|
|
|
| Basic | m |
|
|
|
|
902 | 1,039 | 1,040 |
|
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|
Load More
Load Less
Historical data
Forecast data
| AUD | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||
| Sales | $m |
|
|
|
|
957 | 928 | 1,002 |
|
|
|
|
| Growth | % |
|
|
|
|
-15.3 | -3.1 | 8.0 |
|
|
|
|
| Selling & General Expenses | $m |
|
|
|
|
124 | 175 | 130 |
|
|
|
|
| Gross Income | $m |
|
|
|
|
861 | 822 | 835 |
|
|
|
|
| Growth | % |
|
|
|
|
-12.6 | -4.5 | 1.5 |
|
|
|
|
| Margin | % |
|
|
|
|
90.0 | 88.7 | 83.3 |
|
|
|
|
| Cost of Goods Sold to Sales | % |
|
|
|
|
10 | 11 | 17 |
|
|
|
|
| EBITDA | $m |
|
|
|
|
580 | 526 | 536 |
|
|
|
|
| Growth | % |
|
|
|
|
26.6 | -9.4 | 2.0 |
|
|
|
|
| Margin | % |
|
|
|
|
60.6 | 56.6 | 53.5 |
|
|
|
|
| Depreciation & Amortisation | $m |
|
|
|
|
93 | 105 | 89 |
|
|
|
|
| EBIT | $m |
|
|
|
|
487 | 420 | 447 |
|
|
|
|
| Growth | % |
|
|
|
|
33.4 | -13.8 | 6.3 |
|
|
|
|
| Margin | % |
|
|
|
|
50.9 | 45.3 | 44.6 |
|
|
|
|
| Pretax Income | $m |
|
|
|
|
202 | 82 | -185 |
|
|
|
|
| Income Taxes | $m |
|
|
|
|
58 | 24 | -48 |
|
|
|
|
| Net Income | $m |
|
|
|
|
161 | 38 | -142 |
|
|
|
|
| Growth | % |
|
|
|
|
256.0 | -76.6 | -475.9 |
|
|
|
|
| Margin | % |
|
|
|
|
16.8 | 4.1 | -14.1 |
|
|
|
|
| Cash Flow Statement | ||||||||||||
| Net Operating Cash Flow | $m |
|
|
|
|
432 | -173 | 307 |
|
|
|
|
| Capital Expenditures | $m |
|
|
|
|
84 | 25 | 17 |
|
|
|
|
| Net Investing Cash Flow | $m |
|
|
|
|
-239 | 39 | 11 |
|
|
|
|
| Net Financing Cash Flow | $m |
|
|
|
|
-56 | 0 | -409 |
|
|
|
|
| Free Cash Flow | $m |
|
|
|
|
348 | -198 | 290 |
|
|
|
|
| Growth | % |
|
|
|
|
-71.7 | -157.0 | 246.5 |
|
|
|
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| Margin | % |
|
|
|
|
0.4 | -0.2 | 0.3 |
|
|
|
|
| Franking Balance | $m |
|
|
|
|
N/A | N/A | 0 |
|
|
|
|
| Balance Sheet | ||||||||||||
| Cash & Short-Term Investments | $m |
|
|
|
|
689 | 364 | 251 |
|
|
|
|
| Total Assets | $m |
|
|
|
|
8,015 | 7,921 | 7,347 |
|
|
|
|
| Long Term Debt | $m |
|
|
|
|
4,974 | 5,331 | 4,576 |
|
|
|
|
| Net Debt | $m |
|
|
|
|
5,268 | 5,753 | 5,519 |
|
|
|
|
| Total Liabilities | $m |
|
|
|
|
6,450 | 6,446 | 6,112 |
|
|
|
|
| Equity | $m |
|
|
|
|
1,561 | 1,471 | 1,235 |
|
|
|
|
| Invested Capital |
|
|
|
|
6,535 | 6,802 | 5,811 |
|
|
|
||
| Growth | % |
|
|
|
|
1,425.7 | 4.1 | -14.6 |
|
|
|
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| Return Ratios | ||||||||||||
| Return on Assets | % |
|
|
|
|
2.0 | 0.5 | -1.9 |
|
|
|
|
| Return on Equity | % |
|
|
|
|
10.3 | 2.6 | -11.5 |
|
|
|
|
| Return on Total Capital | % |
|
|
|
|
4.9 | 5.9 | 2.9 |
|
|
|
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| Return on Invested Capital | % |
|
|
|
|
2.2 | 1.4 | -2.2 |
|
|
|
|
| Cash Flow Return on Invested Capital | % |
|
|
|
|
6.6 | -4.1 | 4.9 |
|
|
|
Load More
Load Less
Historical data
Forecast data
| AUD | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Leverage | ||||||||||||
| Interest Cover | X |
|
|
|
|
3.4 | 2.4 | 1.6 |
|
|
|
|
| Debt to EBITDA | X |
|
|
|
|
9.1 | 10.9 | 10.3 |
|
|
|
|
| Net Debt to Equity | % |
|
|
|
|
337.5 | 391.0 | 447.0 |
|
|
|
|
| Liquidity | ||||||||||||
| Current Ratio | X |
|
|
|
|
N/A | N/A | 0.0 |
|
|
|
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| Quick Ratio | X |
|
|
|
|
N/A | N/A | 0.0 |
|
|
|
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| Cash & ST Inv/Current Assets | % |
|
|
|
|
N/A | N/A | N/A |
|
|
|
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| CFO/Current Liabilities | % |
|
|
|
|
N/A | N/A | N/A |
|
|
|
|
| Balance Sheet Efficiency | ||||||||||||
| Receivables Turnover | X |
|
|
|
|
34.4 | 27.0 | 16.8 |
|
|
|
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| Inventory Turnover | X |
|
|
|
|
N/A | N/A | 0.0 |
|
|
|
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| Working Capital Turnover | X |
|
|
|
|
N/A | N/A | 0.0 |
|
|
|
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| Payables Turnover | X |
|
|
|
|
N/A | N/A | 0.0 |
|
|
|
|
| Asset Turnover | X |
|
|
|
|
0.1 | 0.1 | 0.1 |
|
|
|
|
| Du Pont | ||||||||||||
| Asset Turnover | X |
|
|
|
|
0.1 | 0.1 | 0.1 |
|
|
|
|
| x Pretax Margin | % |
|
|
|
|
21.0 | 8.8 | -18.5 |
|
|
|
|
| = Pretax Return on Assets | % |
|
|
|
|
2.5 | 1.0 | -2.5 |
|
|
|
|
| x Tax Rate Complement (1-Tax Rate) | % |
|
|
|
|
28.5 | 29.4 | 0.0 |
|
|
|
|
| Return on Assets | % |
|
|
|
|
2.0 | 0.5 | -1.9 |
|
|
|
|
| x Equity Multiplier (Assets/Equity) | % |
|
|
|
|
5.1 | 5.4 | 6.0 |
|
|
|
|
| Return on Equity | % |
|
|
|
|
10.3 | 2.6 | -11.5 |
|
|
|
|
| x Earnings Retention (1-Payout) | % |
|
|
|
|
12.0 | -226.4 | 100.0 |
|
|
|
|
| = Reinvestment Rate (%) | % |
|
|
|
|
1.2 | -5.8 | -11.5 |
|
|
|
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| Operating Cycle | ||||||||||||
| Days of Inventory on Hand | Days |
|
|
|
|
N/A | N/A | 0.0 |
|
|
|
|
| + Days of Sales Outstanding | Days |
|
|
|
|
10.6 | 13.5 | 21.8 |
|
|
|
|
| Operating Cycle | Days |
|
|
|
|
10.6 | 13.5 | 21.8 |
|
|
|
|
| - Days of Payables Outstanding | Days |
|
|
|
|
N/A | N/A | 0.0 |
|
|
|
|
| Net Operating Cycle | Days |
|
|
|
|
10.6 | 13.5 | 21.8 |
|
|
|
Load More
Load Less
Ex Dividend Date (est.)
DIV Yield
Franking Level
DPSg
Quality Yield
Falling Divs over next 2
Consensus Score
Recommendation
EPS 1 month Change
Quality Yield
Falling Divs over next 2
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.
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