Liberty Financial Group
Liberty Financial Group Limited engages in providing loan finance services in Australia. The company provides home and investment home loans, car and caravan loans, and personal loans, such as secured and unsecured personal loans, holiday loans, wedding loans, medical loans, debt consolidation loans, home renovation loans, and boat finance. It also offers business loans, including secured busines… Read more
Liberty Financial Group (LFG) - Net Assets
Latest net assets as of December 2025: AU$1.20 Billion AUD
Based on the latest financial reports, Liberty Financial Group (LFG) has net assets worth AU$1.20 Billion AUD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AU$16.37 Billion) and total liabilities (AU$15.17 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | AU$1.20 Billion |
| % of Total Assets | 7.32% |
| Annual Growth Rate | 24.32% |
| 5-Year Change | 14.91% |
| 10-Year Change | 1644.29% |
| Growth Volatility | 84.05 |
Liberty Financial Group - Net Assets Trend (2012–2024)
This chart illustrates how Liberty Financial Group's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Liberty Financial Group (2012–2024)
The table below shows the annual net assets of Liberty Financial Group from 2012 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | AU$1.19 Billion | -0.24% |
| 2023-12-31 | AU$1.20 Billion | +2.18% |
| 2022-12-31 | AU$1.17 Billion | +4.86% |
| 2021-12-31 | AU$1.12 Billion | +7.50% |
| 2020-12-31 | AU$1.04 Billion | +3.70% |
| 2019-12-31 | AU$1.00 Billion | +11.05% |
| 2018-12-31 | AU$901.58 Million | +286.82% |
| 2017-12-31 | AU$233.07 Million | +105.17% |
| 2016-12-31 | AU$113.60 Million | +66.09% |
| 2015-12-31 | AU$68.40 Million | +71.03% |
| 2014-12-31 | AU$39.99 Million | -22.26% |
| 2013-12-31 | AU$51.44 Million | -41.23% |
| 2012-12-31 | AU$87.53 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Liberty Financial Group's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1127.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | AU$610.28 Million | 51.01% |
| Common Stock | AU$719.00 Million | 60.10% |
| Other Comprehensive Income | AU$-132.88 Million | -11.11% |
| Total Equity | AU$1.20 Billion | 100.00% |
Liberty Financial Group Competitors by Market Cap
The table below lists competitors of Liberty Financial Group ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ditto (Thailand) Public Company Limited
BK:DITTO
|
$130.09 Million |
|
Saturn Oil & Gas Inc
OTCQX:OILSF
|
$130.10 Million |
|
Pes Camanchaca
SN:CAMANCHACA
|
$130.16 Million |
|
Milestone Pharmaceuticals Inc
NASDAQ:MIST
|
$130.18 Million |
|
Aluflexpack AG
SW:AFP
|
$129.91 Million |
|
Brogent Technologies
TWO:5263
|
$129.86 Million |
|
Innova Captab Limited
NSE:INNOVACAP
|
$129.84 Million |
|
i3 Energy Plc
PINK:ITEEF
|
$129.83 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Liberty Financial Group's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 1,198,602,000 to 1,196,397,000, a change of -2,205,000 (-0.2%).
- Net income of 133,971,000 contributed positively to equity growth.
- Dividend payments of 91,158,000 reduced retained earnings.
- Other comprehensive income decreased equity by 24,089,000.
- Other factors decreased equity by 20,929,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AU$133.97 Million | +11.2% |
| Dividends Paid | AU$91.16 Million | -7.62% |
| Other Comprehensive Income | AU$-24.09 Million | -2.01% |
| Other Changes | AU$-20.93 Million | -1.75% |
| Total Change | AU$- | -0.18% |
Book Value vs Market Value Analysis
This analysis compares Liberty Financial Group's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.89x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.79x to 0.89x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | AU$1.95 | AU$3.48 | x |
| 2016-12-31 | AU$1607750000.00 | AU$3.48 | x |
| 2017-12-31 | AU$3091142857.14 | AU$3.48 | x |
| 2018-12-31 | AU$2.99 | AU$3.48 | x |
| 2019-12-31 | AU$3.30 | AU$3.48 | x |
| 2020-12-31 | AU$3.27 | AU$3.48 | x |
| 2021-12-31 | AU$3.67 | AU$3.48 | x |
| 2022-12-31 | AU$3.85 | AU$3.48 | x |
| 2023-12-31 | AU$3.93 | AU$3.48 | x |
| 2024-12-31 | AU$3.92 | AU$3.48 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Liberty Financial Group utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.20%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 22.16%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 13.58x
- Recent ROE (11.20%) is above the historical average (1.16%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2012 | 7.44% | 4.92% | 0.04x | 37.26x | AU$-1.98 Million |
| 2013 | -153.41% | -36.27% | 0.04x | 101.21x | AU$-51.00 Million |
| 2014 | -42.64% | -6.18% | 0.04x | 169.80x | AU$-10.63 Million |
| 2015 | 5.23% | 1.54% | 0.03x | 109.24x | AU$-2.32 Million |
| 2016 | 72.78% | 16.49% | 0.06x | 76.51x | AU$60.56 Million |
| 2017 | 36.46% | 12.88% | 0.06x | 46.32x | AU$57.26 Million |
| 2018 | 10.74% | 12.35% | 0.06x | 14.05x | AU$6.72 Million |
| 2019 | 4.65% | 5.60% | 0.06x | 13.00x | AU$-53.59 Million |
| 2020 | 17.88% | 21.80% | 0.06x | 13.05x | AU$81.95 Million |
| 2021 | 19.65% | 25.28% | 0.06x | 12.81x | AU$107.84 Million |
| 2022 | 15.48% | 14.73% | 0.08x | 13.38x | AU$64.26 Million |
| 2023 | 9.66% | 7.92% | 0.09x | 13.60x | AU$-4.05 Million |
| 2024 | 11.20% | 22.16% | 0.04x | 13.58x | AU$14.33 Million |
Industry Comparison
This section compares Liberty Financial Group's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $160,936,854
- Average return on equity (ROE) among peers: 39.49%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Liberty Financial Group (LFG) | AU$1.20 Billion | 7.44% | 12.66x | $129.94 Million |
| Butn Ltd (BTN) | $-243.00 | 0.00% | 0.00x | $3.14 Million |
| Earlypay Ltd (EPY) | $74.05 Million | 3.87% | 3.25x | $16.27 Million |
| FSA Group Ltd (FSA) | $62.86 Million | 25.96% | 7.71x | $25.50 Million |
| Humm Group Ltd (HUM) | $53.50 Million | 0.00% | 8.89x | $101.09 Million |
| Lawfinance Ltd (LAW) | $10.36 Million | 0.00% | 0.07x | $121.26K |
| Latitude Group Holdings Ltd (LFS) | $1.22 Billion | 1.76% | 5.44x | $305.96 Million |
| Moneyme Ltd (MME) | $2.61 Million | 379.69% | 16.06x | $23.29 Million |
| Propell Holdings Ltd (PHL) | $-5.66 Million | 0.00% | 0.00x | $494.63K |
| Plenti Group Ltd (PLT) | $26.32 Million | -55.88% | 84.81x | $53.51 Million |