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N1 Holdings Limited provides financial services in Australia. It operates through two segments, Financial Services and Other. The company offers direct lending and private credit for the purpose of bridging finance, purchase and urgent settlement, renovation of business premises, working capital, business expansion, equipment acquisition and/or upgrade, debt consolidation, equity release for business, and external administration/receivership for small and medium enterprises. It is also involved in the provision of mortgage, home, and commercial loans for property owners and investors, as well as fund management services. In addition, the company offers financial advisory and trustee services, such as project advisory and establishment, information memorandum and offer documents production, custody, fund compliance and risk management, and fund administration and accounting, as well as unit subscription, registration, pricing, and redemption services. N1 Holdings Limited was founded in 2011 and is headquartered in Sydney, Australia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public disclosures from N1 Holdings Ltd (ASX: N1H) are limited and the company provides minimal detail in readily available sources about its core operations and strategy. Because long-term growth drivers and competitive position are not clearly documented, investors would need to rely on future management disclosures or demonstrated execution to assess potential upside.
Key investment risks include limited transparency and disclosure, execution and governance risk, possible low liquidity in the stock, and exposure to sector or regulatory changes that could materially affect prospects.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | 1.21M | 0.86M | 0.69M | 0.11M | 1.10M |
| Net income | 1.01M | 0.86M | 1.09M | 0.34M | 1.10M |
| Selling general administrative | - | 0.81M | 2.85M | 2.75M | 2.67M |
| Selling and marketing expenses | - | 0.33M | 0.44M | 0.19M | 0.18M |
| Gross profit | 20.89M | 19.15M | 17.43M | 2.79M | 2.86M |
| Reconciled depreciation | - | - | 0.31M | 0.40M | 0.45M |
| Ebit | 17.01M | 13.99M | 12.95M | 8.33M | 5.03M |
| Ebitda | 17.26M | 14.03M | 13.26M | 8.73M | 5.48M |
| Depreciation and amortization | 0.25M | 0.05M | 0.31M | 0.40M | 0.45M |
| Operating income | 17.05M | 15.23M | 13.26M | 8.66M | 5.36M |
| Other operating expenses | 5.21M | 4.84M | 5.30M | 5.79M | 5.03M |
| Interest expense | 15.80M | 13.15M | 12.08M | 8.25M | 4.92M |
| Tax provision | - | 0.00M | -0.40M | -0.23M | 0.00M |
| Interest income | - | 13.15M | 0.10M | 0.08M | 0.00M |
| Net interest income | - | - | -11.97M | -8.18M | -4.92M |
| Income tax expense | 0.20M | - | -0.40M | -0.23M | -0.74M |
| Total revenue | 22.26M | 20.07M | 18.55M | 4.05M | 4.32M |
| Total operating expenses | 3.84M | 3.92M | 4.18M | 4.52M | 3.57M |
| Cost of revenue | 1.37M | 0.92M | 1.12M | 1.27M | 1.46M |
| Total other income expense net | -15.84M | -14.37M | -12.57M | -8.55M | -4.67M |
| Net income from continuing ops | - | - | 1.09M | 0.34M | 1.10M |
| Net income applicable to common shares | - | 0.86M | 1.09M | 0.34M | 1.10M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Total assets | 271.34M | 130.41M | 114.62M | 90.22M | 79.91M |
| Intangible assets | 0.10M | 0.11M | - | 0.12M | 0.66M |
| Other current assets | - | 109.22M | -109.73M | 0.14M | 61.26M |
| Total liab | 268.35M | 128.17M | 112.93M | 89.63M | 79.28M |
| Total stockholder equity | 2.99M | 2.24M | 1.69M | 0.59M | 0.62M |
| Other current liab | - | 3.02M | -26.10M | 24.93M | 26.45M |
| Common stock | 6.95M | 6.95M | 6.95M | 6.95M | 6.65M |
| Capital stock | - | - | - | 6.95M | 6.65M |
| Retained earnings | -4.17M | -4.92M | -5.48M | -6.57M | -6.24M |
| Other liab | - | - | - | 0.72M | 0.71M |
| Good will | - | - | - | - | 0.54M |
| Other assets | - | - | 114.62M | 1.52M | 1.53M |
| Cash | 22.92M | 11.32M | 13.53M | 7.02M | 14.14M |
| Cash and equivalents | - | - | - | 7.02M | 14.14M |
| Total current liabilities | 24.69M | 31.94M | 26.10M | 25.55M | 26.87M |
| Current deferred revenue | - | - | - | -85.69M | -76.15M |
| Net debt | 239.27M | 112.32M | 94.56M | 78.00M | 61.15M |
| Short term debt | 24.69M | 28.03M | 26.10M | 85.02M | 75.30M |
| Short long term debt | - | - | - | 85.02M | 75.30M |
| Short long term debt total | 262.19M | 123.64M | 108.09M | 85.02M | 75.30M |
| Other stockholder equity | - | - | - | -0.39M | 0.21M |
| Property plant equipment | - | - | - | 0.74M | 1.04M |
| Total current assets | 260.84M | 127.31M | - | 87.49M | 75.75M |
| Long term investments | - | - | - | 0.30M | 0.33M |
| Net tangible assets | - | - | - | 0.47M | -0.57M |
| Short term investments | 0.03M | - | 0.09M | 0.30M | 0.33M |
| Net receivables | 237.89M | 6.77M | 96.10M | 2.84M | 1.62M |
| Long term debt | - | - | - | 125.92M | 51.07M |
| Inventory | - | - | - | - | -1.27M |
| Accounts payable | - | 0.89M | - | 1.29M | 1.28M |
| Accumulated other comprehensive income | 0.21M | 0.21M | 0.22M | 0.21M | 0.21M |
| Non currrent assets other | 8.80M | 1.51M | -1.08M | -1.21M | -2.63M |
| Non current assets total | 10.50M | 3.10M | 1.36M | 1.21M | 2.63M |
| Long term debt total | - | - | - | 63.30M | 51.70M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Investments | - | - | 0.07M | 0.53M | 0.21M |
| Change to liabilities | - | - | - | -0.21M | 0.42M |
| Total cashflows from investing activities | 0.31M | -0.31M | 0.07M | 0.53M | 0.21M |
| Net borrowings | - | - | -0.89M | -1.24M | -0.88M |
| Total cash from financing activities | -0.48M | -0.56M | -0.94M | -1.59M | -1.14M |
| Change to operating activities | - | - | - | -5.78M | 10.29M |
| Net income | 1.01M | 0.86M | 1.09M | 0.34M | 0.70M |
| Change in cash | 11.61M | -2.22M | 6.51M | -7.12M | 10.93M |
| Begin period cash flow | 11.32M | 13.53M | 7.02M | 14.14M | 3.21M |
| End period cash flow | 22.92M | 11.32M | 13.53M | 7.02M | 14.14M |
| Total cash from operating activities | 11.78M | -1.34M | 7.38M | -6.06M | 11.85M |
| Depreciation | 0.25M | 0.26M | 0.31M | 0.39M | 0.43M |
| Other cashflows from investing activities | - | -0.26M | 0.05M | 0.02M | 0.23M |
| Dividends paid | 0.26M | 0.29M | - | 0.20M | 0.20M |
| Change to inventory | - | - | - | -0.24M | -2.03M |
| Change to account receivables | - | -4.61M | 5.56M | -1.32M | 8.40M |
| Other cashflows from financing activities | -0.22M | -0.04M | -0.05M | -0.15M | -0.26M |
| Change to netincome | - | - | - | 0.50M | 10.30M |
| Capital expenditures | 0.01M | 0.06M | 0.01M | 0.09M | 0.02M |
| Change in working capital | - | -2.02M | 5.90M | -1.32M | 10.43M |
| Stock based compensation | - | -0.01M | 0.01M | - | - |
| Other non cash items | 10.52M | -0.42M | 1.17M | -5.47M | 1.42M |
| Free cash flow | 11.77M | -1.40M | 7.37M | -6.15M | 11.84M |
Sector: Financial Services Industry: Mortgage Finance
|
Stock Name
|
Change
(AUD) |
Price
(AUD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| N1H N1 Holdings Ltd |
0.02 13.33% |
0.17 | 15.00 | - | 0.59 | 3.83 | 55.41 |
| AFG Australian Finance Group Ltd |
-0.01 0.32% |
1.56 | 8.76 | 17.09 | 0.60 | 1.69 | 57.86 |
| RMC Resimac Group Ltd |
-0.01 0.60% |
0.83 | 6.35 | 11.59 | 1.69 | 0.89 | 93.24 |
N1 Holdings Limited provides financial services in Australia. It operates through two segments, Financial Services and Other. The company offers direct lending and private credit for the purpose of bridging finance, purchase and urgent settlement, renovation of business premises, working capital, business expansion, equipment acquisition and/or upgrade, debt consolidation, equity release for business, and external administration/receivership for small and medium enterprises. It is also involved in the provision of mortgage, home, and commercial loans for property owners and investors, as well as fund management services. In addition, the company offers financial advisory and trustee services, such as project advisory and establishment, information memorandum and offer documents production, custody, fund compliance and risk management, and fund administration and accounting, as well as unit subscription, registration, pricing, and redemption services. N1 Holdings Limited was founded in 2011 and is headquartered in Sydney, Australia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Ren Hor Wong | Exec. Chairman & CEO | NA |
| Ms. Jia Penny He | CFO & Exec. Director | NA |
| Ms. Jacqueline Wang | Chief Operation Officer | NA |
| Mr. Yu Shen | Head of Marketing & PR | NA |
| Ms. Nan Zhang | Head of Property Management | NA |
| Ms. Jessie Wang | Head of Sales & Training - Home Lending | NA |
| Ms. Heather Zhang | Head of Sales - OneLend | NA |
| Mr. Anand Sundaraj BSc, LLB (Hon) | Company Sec. | NA |
| Mr. Ren Hor Wong | Executive Chairman & CEO | NA |
| Ms. Jia Penny He | CFO & Executive Director | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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