Latitude Group Holdings Limited (ASX: LFS) - Financials
Current share price for LFS : $0.890 0.01 (1.11%)+
Latitude Group Holdings Limited (LFS) is a consumer finance business in Australia and New Zealand with two million customers and a track record spanning more than 100 years. Its consumer credit products cover segment-leading credit cards, including credit cards that offer interest free payment options, personal loans and auto loans.
LFS Per Share
| Year to Jun | Sales | Cashflow | Earnings | Dividends | Franking | Book Value | Average Annual P/E |
Relative P/E | Shareholder Return |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $0.02 | -27.2 ¢ | 9 ¢ | 9 ¢ | 56% | $1.17 | 12.7 | 91.2% | -4% |
| 2024 | $0.93 | -31.6 ¢ | 3.3 ¢ | 3 ¢ | 0% | $1.18 | 34.7 | 251.3% | -1.3% |
| 2023 | $0.95 | 29.5 ¢ | -5.1 ¢ | 0 ¢ | 0% | $1.21 | 0 | 0% | -7.8% |
LFS Capital Structure
| Total Debt | Interest | Long Term Debt | Percent Debt | Preferred Stock | Share Equity | Percent Equity |
|---|---|---|---|---|---|---|
| $6,618,900 | $374,800 | $5,223,800 | 81% | $0.00 | $1,217,700 | 19% |
Note: All dollars in thousands ('000) for the table above
LFS Historical Financials
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Revenue ($M) | 26.2 | 1,115.2 | 989.5 |
| Operating Margin (%) | -2,419.1 | 47.5 | -58.9 |
| Depreciation ($M) | -3.2 | -5.3 | |
| Amortisation ($M) | -35 | -77 | -84 |
| Net Profit Before Abs ($M) | 105.1 | 39.9 | -52.6 |
| Net Profit After Abs ($M) | 94 | 21.6 | -158.5 |
| Income Tax Rate (%) | 28.1 | 39.5 | 48.8 |
| Net Profit Margin (%) | 401.1 | 3.6 | -5.3 |
| Employees ($T) | |||
| Long Term Debt ($M) | 5,223.8 | 5,532.2 | 4,557.5 |
| Shareholders Equity ($M) | 1,217.7 | 1,224.4 | 1,254.4 |
| Return on Capital (%) | 6 | 5 | 3 |
| Return on Equity (%) | 8.6 | 3.3 | -4.2 |
| Payout Ratio (%) | 100 | 90 |
LFS Cashflow
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Customer Receipts ($M) | |||
| Net Operating Cashflow ($M) | -318.1 | -379.3 | 307.2 |
| Net Investing Cashflow ($M) | -7 | -20 | 11 |
| Net Financing Cashflow ($M) | 228 | 563 | -416 |
LFS Market & Earnings
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Market Cap ($M) | 1,081 | 1,196 | 1,211 |
| Net Gearing (%) | 518.9 | 482.4 | 438 |
| Net Interest Cover (%) | 0.82 | 1.17 | 1.09 |
| Dividend Yield (%) | 8.6 | 2.6 | |
| NTA Per Share ($) | 0.47 | 0.44 | 0.42 |
| EBITDA ($M) | -633.8 | 529.8 | -583.2 |
| EBIT ($M) | -668.6 | 449.8 | -672.6 |
| EBT Before Abs ($M) | 145 | 63.7 | -57.7 |
LFS Balance Sheet
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Cash ($M) | 300.7 | 410.2 | 250.7 |
| Debtors ($M) | |||
| Other Debtors ($M) | 3,451 | 3,235 | 3,019 |
| Prepayments ($M) | |||
| Inventories ($M) | |||
| Current Investments ($M) | 0.4 | 6.1 | 24.5 |
| Other Current Assets ($M) | 211.5 | 39.7 | 76.7 |
| Total Current Assets ($M) | 3,964 | 3,691 | 3,371 |
| Receivables ($M) | 3,408 | 3,183 | 2,918 |
| Inventories ($M) | |||
| Property, Plant & Equipment ($M) | 7.9 | 18.8 | 41.3 |
| Accumulated Depreciation ($M) | |||
| Intangibles ex. Goodwill ($M) | 33.5 | 65.9 | 111 |
| Goodwill ($M) | 698.3 | 703.3 | 706 |
| Future Income Tax Benefit ($M) | 202.1 | 185.2 | |
| Non-Current Investments ($M) | 23.8 | 18.9 | 35.7 |
| Other Non-Current Assets ($M) | |||
| Total Non-Current Assets ($M) | 4,171 | 4,192 | 3,997 |
| Total Assets ($M) | 8,135 | 7,883 | 7,368 |
| Accounts Payable ($M) | 156 | 199.2 | 179.9 |
| Provisions ($M) | 101.6 | 118.5 | 148.7 |
| Short Term Debt ($M) | 1,395.1 | 784 | 1,187.6 |
| Other Current Liabilities ($M) | |||
| Total Current Liabilities ($M) | 1,653 | 1,102 | 1,516 |
| Creditors ($M) | 5.6 | 15.2 | 35.2 |
| Long Term Debt ($M) | 5,224 | 5,532 | 4,558 |
| Provisions ($M) | 35.5 | 9.3 | 8.2 |
| Other Non-Current Liabilities ($M) | |||
| Total Non-Current Liabilities ($M) | 5,265 | 5,557 | 4,601 |
| Total Liabilities ($M) | 6,918 | 6,658 | 6,117 |
| Share Capital ($M) | 2,212 | 2,222 | 2,222 |
| Reserves ex. Share Premium ($M) | -679.3 | -675.1 | -633.1 |
| Share Premium Reserve ($M) | |||
| Retained Profits ($M) | -314.5 | -323 | -335 |
| Other Shareholders Equity ($M) | |||
| Convertible Equity ($M) | |||
| Outside Equity Interest ($M) | |||
| Total Shareholders Equity ($M) | 1,218 | 1,224 | 1,254 |
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