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Plenti Group Limited operates as a digital lender company to consumer and commercial borrowers in Australia. It personal, car, debt consolidation, holiday, EV, green, wedding, motorcycle, caravan, dental, funeral, education, jet ski, moving costs, secured car, unsecured personal, and car repair loans, as well renewable energy loans. The company also provides auto refinancing; and invest in fixed income, green income, and provision fund. Plenti Group Limited was founded in 2014 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.
Plenti Group Ltd is an Australian non-bank lender and fintech that originates and services consumer and vehicle loans and funds portfolios via securitisations and institutional wholesale facilities. Long-term growth may be supported by broader acceptance of non-bank credit, product diversification including green lending, and operating leverage from its technology-enabled origination and servicing model, making recurring loan income and scale potential attractive to investors.
Key risks include credit losses from economic downturns, dependence on securitisation and wholesale funding, strong competition from banks and fintechs, and sensitivity to interest-rate and regulatory changes.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 17.90M | 6.70M | -11.62M | -14.64M | -10.73M |
| Net income | 14.30M | 24.76M | -14.71M | -13.58M | -6.32M |
| Selling general administrative | - | 50.97M | 29.71M | 26.28M | 21.38M |
| Selling and marketing expenses | - | 14.88M | 13.68M | 12.33M | 13.77M |
| Gross profit | 310.67M | 98.89M | 186.74M | 142.07M | 87.27M |
| Reconciled depreciation | - | - | 1.53M | 1.46M | 1.03M |
| Ebit | 176.62M | 142.78M | -8.37M | -12.45M | 12.61M |
| Ebitda | 178.23M | 144.37M | -6.83M | -10.99M | 13.63M |
| Depreciation and amortization | 1.61M | 1.59M | 1.54M | 1.46M | 1.03M |
| Operating income | 176.16M | 142.78M | 96.88M | -12.45M | 0.32M |
| Other operating expenses | 136.12M | 65.85M | 114.11M | 71.50M | 54.85M |
| Interest expense | 158.72M | - | 3.25M | 2.20M | -0.05M |
| Tax provision | - | -18.05M | 3.35M | -1.06M | -4.41M |
| Net interest income | - | - | -51.08M | -2.26M | -0.05M |
| Income tax expense | 3.60M | -18.05M | 3.08M | -1.06M | -4.41M |
| Total revenue | 312.28M | 231.25M | 210.99M | 142.07M | 87.27M |
| Total operating expenses | 134.51M | 79.91M | 71.93M | 155.84M | 86.95M |
| Cost of revenue | 1.61M | 26.33M | 24.25M | 18.77M | 10.86M |
| Total other income expense net | -158.25M | -158.69M | -108.51M | 1.38M | -11.05M |
| Net income from continuing ops | - | - | -15.54M | -13.58M | -6.32M |
| Net income applicable to common shares | - | 24.76M | -14.71M | -13.58M | -6.32M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 3206.05M | 2657.03M | 2258.60M | 1910.08M | 1469.22M |
| Intangible assets | - | - | - | 0.00M | 0.06M |
| Other current assets | - | -180.74M | -151.69M | 0.59M | 0.41M |
| Total liab | 3117.32M | 2614.48M | 2232.28M | 1865.04M | 1416.55M |
| Total stockholder equity | 88.73M | 42.55M | 26.32M | 45.04M | 52.67M |
| Other current liab | - | - | - | 24.33M | 15.04M |
| Common stock | 115.88M | 112.00M | 110.76M | 107.80M | 106.37M |
| Capital stock | - | - | - | 107.80M | 106.37M |
| Retained earnings | -60.82M | -75.12M | -99.88M | -85.17M | -71.59M |
| Other liab | - | - | - | 0.35M | 0.22M |
| Other assets | - | - | 2258.60M | 115.79M | 119.57M |
| Cash | 241.57M | 176.43M | 148.87M | 142.96M | 159.17M |
| Total current liabilities | - | - | - | 29.29M | 20.50M |
| Net debt | 2793.05M | 2385.45M | 2038.78M | 1691.06M | 1235.44M |
| Short term debt | - | - | - | 0.00M | 0.00M |
| Short long term debt total | 3034.62M | 2561.88M | 2187.64M | 1834.01M | 1394.61M |
| Other stockholder equity | - | - | - | -22.63M | -34.78M |
| Property plant equipment | - | - | - | 5.08M | 4.29M |
| Total current assets | 247.86M | - | 148.87M | 1904.99M | 1464.87M |
| Net tangible assets | - | - | - | - | 52.62M |
| Short term investments | 2.23M | 0.59M | 0.59M | - | - |
| Net receivables | 4.06M | 3.72M | 2.24M | 1717.18M | 1271.85M |
| Long term debt | - | - | - | 1830.58M | 1391.61M |
| Inventory | - | - | - | 44.26M | 33.45M |
| Accounts payable | - | - | - | 4.96M | 5.45M |
| Accumulated other comprehensive income | 33.67M | 5.67M | 15.43M | 22.41M | 17.89M |
| Non currrent assets other | 32.50M | 2654.60M | 2093.19M | -5.08M | -4.35M |
| Non current assets total | 2958.18M | 2657.03M | 2109.74M | 5.08M | 4.35M |
| Capital lease obligations | - | - | - | 3.44M | 3.00M |
| Long term debt total | - | - | - | 1830.58M | 1391.61M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | - | -458.01M | -475.24M | -685.87M |
| Change to liabilities | - | - | - | 0.00M | -0.51M |
| Total cashflows from investing activities | -453.59M | -409.38M | -386.22M | -475.24M | -685.87M |
| Net borrowings | - | - | 353.91M | - | 761.03M |
| Total cash from financing activities | 469.63M | 372.47M | 352.88M | 438.44M | 761.03M |
| Change to operating activities | - | - | - | - | -8.78M |
| Net income | - | 24.76M | -14.71M | -13.58M | -6.32M |
| Change in cash | 65.14M | 27.56M | 5.91M | -16.21M | 71.25M |
| Begin period cash flow | 176.43M | 148.87M | 142.96M | 159.17M | 87.92M |
| End period cash flow | 241.57M | 176.43M | 148.87M | 142.96M | 159.17M |
| Total cash from operating activities | 49.10M | 64.47M | 39.24M | 20.59M | -3.91M |
| Depreciation | 1.61M | 1.59M | 1.54M | 1.41M | 0.89M |
| Other cashflows from investing activities | -451.94M | -409.27M | -386.16M | -474.28M | 0.08M |
| Change to account receivables | -0.19M | -0.97M | -0.02M | - | - |
| Sale purchase of stock | - | - | - | - | 0.00M |
| Other cashflows from financing activities | -1.22M | - | -1.03M | 1582.46M | 926.04M |
| Change to netincome | - | - | - | - | 10.67M |
| Capital expenditures | 0.30M | 0.12M | 0.06M | 0.96M | 1.23M |
| Change in working capital | -3.86M | 23.74M | 11.99M | 79.94M | 27.55M |
| Stock based compensation | - | - | 3.18M | 3.38M | 2.75M |
| Other non cash items | 51.35M | 14.39M | 40.41M | 29.38M | -1.24M |
| Free cash flow | 48.80M | 64.36M | 39.18M | 19.62M | -5.14M |
Sector: Financial Services Industry: Credit Services
|
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) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| PLT Plenti Group Ltd |
0.03 3.95% |
0.79 | 9.50 | 5.21 | 1.13 | 1.54 | 9.58 | 16.43 |
| ZIP ZIP Co Ltd |
-0.12 5.61% |
2.02 | 20.10 | 12.32 | 1.87 | 3.53 | 3.52 | 11.32 |
| CCP Credit Corp Group Ltd |
0.07 0.45% |
15.64 | 10.05 | 8.78 | 2.22 | 1.13 | 2.50 | 7.39 |
| LFG Liberty Financial Group |
- -% |
3.35 | 7.13 | 6.71 | 1.63 | 0.86 | 40.84 | 11.07 |
| LFS Latitude Group Holdings Ltd |
0.04 4.22% |
0.86 | 9.22 | - | 1.59 | 0.66 | 6.49 | 13.37 |
Plenti Group Limited operates as a digital lender company to consumer and commercial borrowers in Australia. It personal, car, debt consolidation, holiday, EV, green, wedding, motorcycle, caravan, dental, funeral, education, jet ski, moving costs, secured car, unsecured personal, and car repair loans, as well renewable energy loans. The company also provides auto refinancing; and invest in fixed income, green income, and provision fund. Plenti Group Limited was founded in 2014 and is headquartered in Sydney, Australia.
| Name | Title | Year Born |
|---|---|---|
| Mr. Daniel Foggo | CEO & Exec. Director | NA |
| Mr. Miles Drury | Chief Financial Officer | NA |
| Mr. Glenn Riddell | Chief Operating Officer | NA |
| Mr. Benjamin Milsom | Chief Commercial Officer | NA |
| Ms. Georgina Koch | Gen. Counsel, Company Sec. and Exec. for People & Culture | NA |
| Ms. Julia Lefort | Head of Communications & Corp. Affairs | NA |
| Mr. Simon Cordell | Chief Risk Officer | NA |
| Mr. Daniel Foggo | CEO, MD & Executive Director | NA |
| Ms. Georgina Koch | General Counsel, Company Secretary and Executive for People & Culture | NA |
| Mr. Daniel Foggo | CEO, MD & 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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