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Latitude Financial Services Group Limited (ASX:LFS)

1.15 AUD

-0.005 0.433%

Last Updated at: 2024-09-13T00:04:00Z

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Previous Close (in AUD)	1.155
Change	-0.005 0.433%
52 W H/L (in AUD)	1.220/1.105
EBITDA (in AUD)	--
PE Ratio	--
Volume	25000
Diluted Eps TTM	-0.03

Total Assets (in AUD)	7346.8M
Total Liabilities (in AUD)	6112.2M
Revenue TTM (in AUD)	423.1M
Cash (in AUD)	250.7M
Market Cap (in AUD)	1,200.830 M
Revenue Per Share TTM	0.407
Gross Profit TTM (in AUD)	413M

Summary

---

Income Statement

Balance Sheet

Change in Cash

Operating Cash

Dividend Paid

Latitude Financial Services Group Limited

Latitude Group Holdings Limited operates in digital payments, instalments, and lending business in Australia, New Zealand, and internationally. It operates through three segments: Australian and New Zealand Pay, Australia and New Zealand Money, and Other. It provides various lending products comprising latitude loans, personal loans, motor loans, and credit cards. The company offers debt consolidation, car, home renovation, travel, boat, caravan, medical, and solar and battery loans, as well as insurance services. In addition, it provides sales finance services and payment and finance solutions to merchants and their customers; and is involved in factoring/BNPL lending and non-trading activities; as well as acts as a general and life insurer and operates a payment platform. Latitude Group Holdings Limited was incorporated in 2015 and is based in Melbourne, Australia.

130 Lonsdale Street, Melbourne, VIC, Australia, 3000

61 4 6692 7612

https://www.latitudefinancial.com.au

Employees: 782

Key Executives

Sr. No.	Name	Title	Year Born
1.	Mr. A. Fahour B.Ec (Hons), M.B.A., FAIM	MD, CEO & Director	1967
2.	Mr. Paul Varro	Exec. GM of Fin. & Risk and CFO	NA
3.	Mr. Bob Belan	Exec. Gen. Mang. of Money	NA
4.	Mr. Chris Blake	Exec. Gen. Mang. of Corp. Services	NA
5.	Mr. Adrian Wong	Gen. Counsel	NA
6.	Ms. Vicki Letcher BCom, BLLP, CA	Company Sec.	NA
7.	Ms. Tiffany Barton	Company Sec.	NA
8.	Mr. Robert Nicholas Belan	MD & CEO	NA
9.	Mr. Robert Nicholas Belan	MD & CEO	NA
10.	Mr. Paul Varro	Executive GM of Finance & Risk and CFO	NA

Peers

Sector: Financial Services

Industry: Credit Services

Company	Change (AUD)	Price (AUD)	Trailing PE(x)	Forward PE(x)	Price Sales TTM(x)	Price to Book Value(x)	Enterprise Value to Revenue(x)	Enterprise Value to EBITDA(x)
ZIP Zip Co Limited	+0.100 4.425%	2.33	0.000	217.391	1.848	3.482	5.030	13.570
LFG Liberty Financial Group Pty Ltd	0.000 0.000%	3.49	8.970	5.553	1.720	0.844	9.654	11.155
CCP Credit Corp Group Ltd	+0.030 0.197%	15.35	20.490	11.111	2.731	1.239	3.503	12.901
PPM Pepper Money Ltd	-0.010 0.763%	1.3	5.950	6.250	1.465	0.668	45.623	0.000

• Income Statement
• Balance Sheet
• Cash Flow

Income Statement

(Currency in AUD)

Breakdown	31-12-2022	31-12-2021	31-12-2020	31-12-2019	31-12-2018
Income Before Tax	82M	222.7M	-19.272M	22.608M	57.508M
Minority Interest	1.4M	0.6M	-	-	-
Net Income	37.7M	160.9M	-11.222M	28.938M	51.354M
Selling General Administrative	265M	231.3M	360.632M	378.401M	386.839M
Gross Profit	-	29.7M	1101.978M	1293.235M	1252.689M
Reconciled Depreciation	105.3M	92.9M	-	-	-
Ebit	417.8M	505.7M	-	-	-
Ebitda	523.1M	598.6M	-	-	-
Depreciation And Amortization	105.3M	92.9M	-	-	-
Operating Income	417.8M	505.7M	363.651M	488.102M	495.152M
Other Operating Expenses	507.6M	479.3M	95.5M	259.417M	187.662M
Interest Expense	216.3M	166.8M	0M	0.124M	0.021M
Tax Provision	24.1M	62.4M	9.534M	4.966M	13.231M
Interest Income	218.7M	932.4M	278.583M	362.004M	363.157M
Net Interest Income	671.5M	762.7M	-	-	-
Income Tax Expense	24.1M	62.4M	40M	5.972M	13.231M
Total Revenue	927.8M	29.7M	1130.674M	1312.819M	1271.779M
Total Operating Expenses	507.6M	479.3M	-	-	-
Cost Of Revenue	-	5.5M	28.696M	19.584M	19.09M
Total Other Income Expense Net	-81.9M	-90.4M	-	-	-
Net Income From Continuing Ops	57.9M	160.3M	-	-	-
Net Income Applicable To Common Shares	37.7M	160.9M	45.2M	28.938M	51.354M

Balance Sheet

(Currency in AUD)

Breakdown	31-12-2023	31-12-2022	31-12-2021	31-12-2020	31-12-2019
Total Assets	7346.8M	7920.7M	8015.1M	7735.7M	8814.033M
Intangible Assets	-	203.6M	309.8M	834.8M	334.193M
Other Current Assets	-329.3M	10.8M	8.2M	9.1M	0.328M
Total Liab	6112.2M	6446.2M	6449.6M	6506.1M	8393.5M
Total Stockholder Equity	1234.6M	1471.4M	1561M	1229.6M	420.533M
Other Current Liab	-1193.8M	246.9M	312.1M	140.8M	117.753M
Common Stock	2222.5M	2222M	2221M	1299.1M	496.987M
Capital Stock	-	2222M	2221M	1299.1M	-
Retained Earnings	-335M	-123.4M	7.2M	-107.7M	-100.821M
Good Will	706M	728.3M	738.1M	521M	523.975M
Other Assets	7346.8M	311.1M	186.5M	214.5M	219.833M
Cash	250.7M	364M	605.7M	507.6M	224.305M
Cash And Equivalents	-	358.3M	580.9M	331.3M	224.305M
Total Current Liabilities	1193.8M	1078.8M	1341.1M	475.8M	1795.171M
Current Deferred Revenue	-	227.7M	301.4M	-	-
Net Debt	5519.2M	5721.9M	5259.5M	5418.4M	-
Short Term Debt	1193.8M	779.7M	949.1M	106.4M	79.889M
Short Long Term Debt	-	779.7M	949.1M	-	-
Short Long Term Debt Total	5769.9M	6085.9M	5865.2M	5926M	-
Other Stockholder Equity	-	-	-667.2M	-676M	24.367M
Property Plant Equipment	-	33.6M	69.2M	81.7M	91.338M
Total Current Assets	-	3704.9M	3774.3M	6608.7M	7640.832M
Long Term Investments	-	1.6M	1.6M	1.6M	-
Short Term Investments	-	-	83.6M	-	-
Net Receivables	78.6M	3145.9M	3076.2M	6089.6M	7228.502M
Long Term Debt	-	5306.2M	4916.1M	6306.1M	6385.864M
Inventory	-	184.2M	0.6M	2.4M	-
Accounts Payable	-	52.2M	79.9M	335M	130.174M
Accumulated Other Comprehensive Income	-652.9M	-627.2M	-667.2M	38.2M	-
Non Currrent Assets Other	11.6M	6148.8M	5887.6M	-	-
Non Current Assets Total	967M	4215.8M	4240.8M	1127M	-
Capital Lease Obligations	-	-	-	-	-
Long Term Debt Total	-	5330.9M	5865.2M	6374.2M	6468.62M

Cash Flow

(Currency in AUD)

Breakdown	31-12-2022	31-12-2021	31-12-2020	31-12-2019	31-12-2018
Investments	39.4M	-51.9M	26.3M	26.3M	26.3M
Total Cashflows From Investing Activities	39.4M	-238.7M	-43.2M	-55.487M	-61.295M
Total Cash From Financing Activities	0.4M	-55.8M	-1117M	-64.117M	517.356M
Net Income	36.3M	160.9M	45.2M	28.938M	51.354M
Change In Cash	-241.7M	142.7M	138.6M	-106.636M	78.914M
Begin Period Cash Flow	605.7M	463M	-	-	-
End Period Cash Flow	364M	605.7M	463M	-	-
Total Cash From Operating Activities	-289.9M	431.7M	1297.5M	12.295M	-378.068M
Depreciation	105.6M	59.3M	62.7M	61.047M	49.934M
Other Cashflows From Investing Activities	64.3M	-154.5M	-1.591M	0M	-
Dividends Paid	-168.3M	-81.5M	78.5M	78.5M	78.5M
Change To Inventory	-	-	-	-	-
Sale Purchase Of Stock	0M	150M	0M	-	0M
Other Cashflows From Financing Activities	92.2M	101.5M	-23.7M	-34.476M	-7.029M
Capital Expenditures	24.9M	84.2M	69.5M	55.487M	61.295M
Change In Working Capital	-518.1M	-21.3M	839.627M	-437.328M	-807.351M
Other Non Cash Items	-	-	-	-	-
Free Cash Flow	-24.9M	-84.2M	-	-	-

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