RMC · ASX

Resimac Group Limited (ASX:RMC)

AU$0.85

 0.0 (0.0%)
ASX:Live
01/05/2025 12:31:14 PM
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Consensus Score
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RMC Overview

RMC Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Very Weak

Halo Model

MQV

Very Strong

GARP

Very Strong

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Neutral

Earnings

Very Strong

Growth

Earnings

Very Strong

Dividends

Very Strong

Quality

Capital Efficiency

Neutral

Balance Sheet

Very Strong

About RMC

Website

Resimac Group Limited

Telephone

61.2.8267.2000

Address

Level 9 45 Clarence Street Sydney, New South Wales (NSW) 2000

Description

Resimac Group Ltd. engages in the provision of mortgage origination and management of home loans. Its business model comprises originating, servicing and funding prime, non-conforming residential mortgages, and asset finance products in Australia and New Zealand. The firm operates through the following segments: Home Loan Lending Business, New Zealand Lending Business, and Asset Finance Lending Business. The Home Loan Lending Business manages Australian mortgage distribution and lending, including income from new loans, portfolio margins, and commissions from various loan sources. The New Zealand Lending Business handles mortgage lending in New Zealand. The Asset Finance Lending Business deals in Australian auto, equipment, business loans, and insurance premium loans. The company was founded by Timothy Alastair Holmes and Robert Peter Salmon in 1985 and is headquartered in Sydney, Australia.

RMC Price Chart

Key Stats

Market Cap

AU$333.09M

PE

9.00

EV/EBITDA

-13.2

Dividends Overview

DIV Yield

6.9%

Franking

100%

Ex Dividend Date (est.)

05-Mar-25

Market Data

52 weeks range

Low 0.79 - 1.05

Trade Value (12mth)

AU$30,401.00

1 week

0%

1 month

-2.3%

YTD

-12.82%

1 year

-13.71%

All time high

2.80

Key Fundamentals

EPS 3 yr Growth

-67.20%

EBITDA Margin

89.60%

Operating Cashflow

-$107m

Free Cash Flow Return

-1.00%

ROIC

0.30%

Interest Coverage

1.10

Quick Ratio

0.00

Other Data

Shares on Issue (Fully Dilluted)

402m

HALO Sector

Other Finance

Next Company Report Date

01-Sep-25

Ex Dividend Date (est.)

05-Mar-25

Next Dividend Pay Date (est.)

21-Mar-25

Reporting Currency

AUD

Short Sell (% of issue)

0.00

RMC Announcements

Latest Announcements

Date Announcements

28 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

28 April 25

Notification of cessation of securities - RMC

×

Notification of cessation of securities - RMC

24 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

24 April 25

Commencement of New Chief Executive Officer

×

Commencement of New Chief Executive Officer

23 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

22 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

17 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

15 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

14 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

10 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

09 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

08 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

07 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

04 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

03 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

02 April 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

03 March 25

Resimac Completes Acquisition of Auto Finance Portfolio

×

Resimac Completes Acquisition of Auto Finance Portfolio

25 February 25

Half Yearly Report and Accounts

×

Half Yearly Report and Accounts

25 February 25

Resimac announces 1H25 results

×

Resimac announces 1H25 results

25 February 25

Dividend/Distribution - RMC

×

Dividend/Distribution - RMC

25 February 25

Investor Presentation

×

Investor Presentation

18 February 25

Resimac Group 1H25 trading update (unaudited)

×

Resimac Group 1H25 trading update (unaudited)

10 February 25

Resimac HY25 Investor Call

×

Resimac HY25 Investor Call

22 January 25

Notification of cessation of securities - RMC

×

Notification of cessation of securities - RMC

14 January 25

Update - Notification of buy-back - RMC

×

Update - Notification of buy-back - RMC

RMC Fundamentals

Per Share Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock 0.25 0.17 0.09 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock 0.25 0.16 0.09 Lock Lock Lock
     Growth % Lock Lock Lock Lock -5.0 -34.1 -47.6 Lock Lock Lock
     PE X Lock Lock Lock Lock 5.1 5.0 9.0 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock 46.5 -7.4 -13.2 Lock Lock Lock
CFPS $ Lock Lock Lock Lock 0.26 0.23 0.14 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -3.94 4.93 -0.34 Lock Lock Lock
     Growth % Lock Lock Lock Lock -11.6 -14.3 -35.7 Lock Lock Lock
     Yield % Lock Lock Lock Lock -342.5 539.0 -39.9 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.08 0.08 0.07 Lock Lock Lock
     Growth % Lock Lock Lock Lock 25.0 0.0 -12.5 Lock Lock Lock
     Yield % Lock Lock Lock Lock 5.8 8.3 6.9 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 32 48 81 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.94 1.04 1.04 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 0.87 0.97 0.97 Lock Lock Lock
     Growth % Lock Lock Lock Lock 20.6 11.5 0.3 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 410 403 400 Lock Lock Lock
Basic m Lock Lock Lock Lock 408 402 400 Lock Lock Lock

Financial Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Income Statement
Sales $m Lock Lock Lock Lock 501 911 1,006 Lock Lock Lock
     Growth % Lock Lock Lock Lock 4.7 81.7 10.5 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 26 23 20 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 458 874 990 Lock Lock Lock
     Growth % Lock Lock Lock Lock 4.2 91.0 13.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock 91.3 95.9 98.4 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 9 4 2 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 409 779 902 Lock Lock Lock
     Growth % Lock Lock Lock Lock 7.2 90.4 15.8 Lock Lock Lock
     Margin % Lock Lock Lock Lock 81.6 85.5 89.6 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 2 2 2 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 407 777 900 Lock Lock Lock
     Growth % Lock Lock Lock Lock 7.4 91.0 15.9 Lock Lock Lock
     Margin % Lock Lock Lock Lock 81.1 85.3 89.4 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock 143 95 50 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 41 29 15 Lock Lock Lock
Net Income $m Lock Lock Lock Lock 102 66 35 Lock Lock Lock
     Growth % Lock Lock Lock Lock -5.0 -35.0 -47.9 Lock Lock Lock
     Margin % Lock Lock Lock Lock 20.4 7.3 3.4 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -1,585 2,021 -107 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 1 0 0 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -93 -4 -10 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 1,991 -1,865 -98 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -1,585 2,021 -107 Lock Lock Lock
     Growth % Lock Lock Lock Lock -9.5 227.5 -105.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock -3.2 2.2 -0.1 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 95 118 123 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 933 1,085 871 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 16,737 14,942 15,095 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 11,574 9,920 10,097 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 15,367 13,395 13,552 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 16,359 14,527 14,678 Lock Lock Lock
Equity $m Lock Lock Lock Lock 378 415 416 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 11,952 10,336 10,513 Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.5 -13.5 1.7 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock 0.6 0.4 0.2 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 27.0 16.0 8.3 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 2.5 4.9 6.0 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock 0.9 0.6 0.3 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -13.9 18.1 -1.0 Lock Lock Lock

Ratios Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Leverage
Interest Cover X Lock Lock Lock Lock 1.6 1.1 1.1 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 37.6 17.2 15.0 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 4,064.5 3,225.6 3,257.3 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 14.4 31.3 43.9 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.0 0.1 0.1 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.0 0.1 0.1 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock 28.6 10.5 5.0 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock 0.9 0.6 0.3 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 28.8 30.3 30.6 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock 0.6 0.4 0.2 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 44.3 36.0 36.3 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 27.0 16.0 8.3 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 68.1 51.6 19.2 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock 18.4 8.3 1.6 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 25.4 11.7 8.3 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 25.4 11.7 8.3 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 25.4 11.7 8.3 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

05-Mar-25

DIV Yield

6.9%

Franking Level

100%

DPSg

-12.50%

Quality Yield

Lock

Falling Divs over next 2

Lock

Expected Dividend Cashflow

Dividend Clarity,
Enhanced
Strategy

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Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

0.00%

Value ($M)

0

Prior Change

N/A

7 Day Change

N/A

1 Month Change

N/A

3 Month Change

N/A

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Frequently Asked Questions

The current share price of Resimac Group Limited (RMC:ASX) is AU$0.85.
The 52-week high share price for Resimac Group Limited (RMC:ASX) is AU$1.05.
The 52-week low share price for Resimac Group Limited (RMC:ASX)? is AU$0.79.
The current TTM dividend payout for Resimac Group Limited (RMC:ASX) is 6.90.
The last dividend payment of Resimac Group Limited (RMC:ASX) is AU$0.04.
Resimac Group Limited (RMC:ASX) has a franking level of 100.0%.
Resimac Group Limited (RMC:ASX) is classified in the Other Finance.
The current P/E ratio for Resimac Group Limited (RMC:ASX) is 9.00.
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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.