Market Price

1.86 

-0.04 -2.4%

as of Feb 16 '20

52 Week Range:

1.09 2.71


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

FlexiGroup Limited provides consumer revolving finance, card, leasing, and rental financing services in Australia, New Zealand, and Ireland. It operates through six segments: NZ Cards, Humm, NZ Leasing, Australia Cards, Consumer Leasing, and Commercial Leasing. The company offers leasing services to consumers, businesses, and corporations; and interest free finance to enable customers to facilitate purchases at participating retailer's point of sale and online. It also provides no interest ever, vendor finance program, Visa/Mastercard, managed print, lay-by, and other payment solutions to consumers and businesses. The company offers its services under the Humm, Lisa, SmartWay, FlexiWay, FlexiFi, Flexirent, Farmers, Q Card, Flight Centre Mastercard, Oxipay NZ, Flexirent IE, Flexirent NZ, Lombard, Once, Q Card NZ, Skye, and Smartway brands. FlexiGroup Limited was founded in 1988 and is headquartered in Sydney, Australia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19
Equity (BVPS) 0.50
0.77
0.86
0.86
0.93
1.22
1.28
1.55
1.72
1.46
1.47
growth rate 54.0% 11.7% 0.0% 8.1% 31.2% 4.9% 21.1% 11.0% -15.1% 0.7%
Earnings BIT 47.21
56.43
69.79
82.57
95.07
84.99
growth rate 19.5% 23.7% 18.3% 15.1% -10.6%
Avg.PE 5.49
5.80
11.01
12.21
19.19
16.78
10.04
8.74
11.22
7.37
11.67
growth rate 5.7% 89.8% 10.9% 57.2% -12.6% -40.2% -13.0% 28.4% -34.3% 58.3%
ROA 4.82
7.61
6.00
5.77
5.07
3.72
4.83
2.25
3.20
-0.37
2.07
growth rate 57.9% -21.2% -3.8% -12.1% -26.6% 29.8% -53.4% 42.2% -100.0% 100.0%
ROE 30.13
36.29
23.59
23.40
20.72
15.36
20.79
9.82
13.61
-1.59
9.92
growth rate 20.4% -35.0% -0.8% -11.5% -25.9% 35.4% -52.8% 38.6% -100.0% 100.0%
ROIC 10.15
13.02
11.04
10.58
9.16
7.02
8.12
4.94
6.03
2.08
4.52
growth rate 28.3% -15.2% -4.2% -13.4% -23.4% 15.7% -39.2% 22.1% -65.5% 117.3%
Cur. Ratio 1.19
1.35
1.25
1.08
1.32
1.22
1.21
1.32
1.86
1.78
1.18
growth rate 13.5% -7.4% -13.6% 22.2% -7.6% -0.8% 9.1% 40.9% -4.3% -33.7%
Quick Ratio 1.18
1.29
1.25
1.07
1.32
1.21
1.21
1.31
1.86
1.77
1.17
growth rate 9.3% -3.1% -14.4% 23.4% -8.3% 0.0% 8.3% 42.0% -4.8% -33.9%
Leverage 6.08
4.00
3.87
4.22
3.99
4.25
4.35
4.38
4.15
4.55
5.05
growth rate -34.2% -3.3% 9.0% -5.5% 6.5% 2.4% 0.7% -5.3% 9.6% 11.0%
Balance Sheet Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19
Acct.Receivable 244.00
261.50
737.00
955.00
1,193.00
961.80
1,451.50
2,082.30
2,169.70
2,352.70
2,583.00
growth rate 7.2% 181.8% 29.6% 24.9% -19.4% 50.9% 43.5% 4.2% 8.4% 9.8%
Acct.Payable 26.00
37.00
35.00
44.30
35.60
48.60
50.30
51.70
59.70
growth rate 42.3% -5.4% 26.6% -19.6% 36.5% 3.5% 2.8% 15.5%
Cur.Assets 374.60
454.70
793.00
1,019.00
1,316.00
1,071.20
1,586.00
2,273.80
2,341.70
2,493.10
2,727.90
growth rate 21.4% 74.4% 28.5% 29.2% -18.6% 48.1% 43.4% 3.0% 6.5% 9.4%
Total Assets 724.40
823.50
902.00
1,142.00
1,455.00
1,624.50
1,786.20
2,679.60
2,785.90
2,838.30
3,108.90
growth rate 13.7% 9.5% 26.6% 27.4% 11.7% 10.0% 50.0% 4.0% 1.9% 9.5%
Cash 52.60
74.80
56.00
63.00
123.00
106.60
130.30
174.40
167.30
125.30
143.10
growth rate 42.2% -25.1% 12.5% 95.2% -13.3% 22.2% 33.8% -4.1% -25.1% 14.2%
Inventory 5.00
1.00
0.30
1.00
1.00
2.80
4.20
0.90
4.70
2.60
1.80
growth rate -80.0% -70.0% 233.3% 0.0% 180.0% 50.0% -78.6% 422.2% -44.7% -30.8%
Cur.Liabilities 313.90
337.00
369.00
540.00
634.00
747.30
833.50
1,074.90
1,253.20
1,386.40
1,507.40
growth rate 7.4% 9.5% 46.3% 17.4% 17.9% 11.5% 29.0% 16.6% 10.6% 8.7%
Liabilities 605.30
617.80
669.00
871.00
1,091.00
1,239.50
1,375.70
2,067.20
2,114.10
2,221.80
2,492.80
growth rate 2.1% 8.3% 30.2% 25.3% 13.6% 11.0% 50.3% 2.3% 5.1% 12.2%
LT Debt 265.50
250.00
266.00
292.00
412.00
455.90
507.20
950.90
820.60
804.10
967.30
growth rate -5.8% 6.4% 9.8% 41.1% 10.7% 11.3% 87.5% -13.7% -2.0% 20.3%
Equity 119.10
205.60
233.20
270.80
364.60
385.00
410.50
612.40
671.80
616.50
616.10
growth rate 72.6% 13.4% 16.1% 34.6% 5.6% 6.6% 49.2% 9.7% -8.2% -0.1%
Common Shares 239.00
254.00
282.00
284.00
298.00
312.00
313.00
346.00
373.00
374.00
380.00
growth rate 6.3% 11.0% 0.7% 4.9% 4.7% 0.3% 10.5% 7.8% 0.3% 1.6%
Cash Flow Statement Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19
Capital Expenditures 6.30
6.40
9.00
9.00
6.00
17.70
26.40
24.20
24.60
29.00
26.70
growth rate 1.6% 40.6% 0.0% -33.3% 195.0% 49.2% -8.3% 1.7% 17.9% -7.9%
Cash Dividends 14.00
14.40
26.20
32.00
38.80
47.10
52.50
54.30
36.90
28.80
28.80
growth rate 2.9% 81.9% 22.1% 21.3% 21.4% 11.5% 3.4% -32.0% -22.0% 0.0%
Cash From OA 31.70
53.40
105.00
111.00
97.00
124.30
121.20
147.40
161.00
188.70
165.40
growth rate 68.5% 96.6% 5.7% -12.6% 28.1% -2.5% 21.6% 9.2% 17.2% -12.4%
FCF per Share 0.11
0.18
0.28
0.23
0.34
0.35
0.33
0.32
0.43
0.28
0.43
growth rate 63.6% 55.6% -17.9% 47.8% 2.9% -5.7% -3.0% 34.4% -34.9% 53.6%
Sale Purchase of Stock 0.50
0.50
144.40
growth rate 0.0% 28,780.0%
FCF 25.00
47.00
78.00
101.00
91.00
107.00
94.00
123.00
136.00
159.00
138.00
growth rate 88.0% 66.0% 29.5% -9.9% 17.6% -12.2% 30.9% 10.6% 16.9% -13.2%
Income Statement Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19
Sales 179.80
200.00
148.00
163.00
190.00
216.50
228.70
238.80
298.00
297.40
296.10
growth rate 11.2% -26.0% 10.1% 16.6% 14.0% 5.6% 4.4% 24.8% -0.2% -0.4%
Op.Income 90.40
103.40
52.00
59.00
97.00
101.10
116.00
102.70
126.80
113.80
112.90
growth rate 14.4% -49.7% 13.5% 64.4% 4.2% 14.7% -11.5% 23.5% -10.3% -0.8%
IBT 47.20
56.40
69.80
82.60
95.10
85.00
112.90
69.70
122.20
15.50
90.90
growth rate 19.5% 23.8% 18.3% 15.1% -10.6% 32.8% -38.3% 75.3% -87.3% 486.5%
Net Income 32.80
58.90
52.00
59.00
66.00
57.60
82.70
50.20
87.40
-9.10
61.70
growth rate 79.6% -11.7% 13.5% 11.9% -12.7% 43.6% -39.3% 74.1% -100.0% 100.0%
EPS 0.14
0.23
0.18
0.21
0.22
0.18
0.26
0.14
0.23
-0.03
0.16
growth rate 64.3% -21.7% 16.7% 4.8% -18.2% 44.4% -46.2% 64.3% -100.0% 100.0%
Gross Profit 110.85
120.37
148.00
163.00
167.00
185.50
194.40
196.20
242.00
234.20
239.10
growth rate 8.6% 23.0% 10.1% 2.5% 11.1% 4.8% 0.9% 23.3% -3.2% 2.1%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Balance Sheet
Acct.Receivable 2,368.60
2,474.50
2,474.50
2,583.00
2,583.00
growth rate 4.5% 0.0% 4.4% 0.0%
Acct.Payable 51.70
44.80
44.80
59.70
59.70
growth rate -13.4% 0.0% 33.3% 0.0%
Cur.Assets 2,509.00
2,593.70
2,593.70
2,727.90
2,727.90
growth rate 3.4% 0.0% 5.2% 0.0%
Total Assets 2,854.20
2,994.60
2,994.60
3,108.90
3,108.90
growth rate 4.9% 0.0% 3.8% 0.0%
Cash 125.30
117.50
117.50
143.10
143.10
growth rate -6.2% 0.0% 21.8% 0.0%
Inventory 2.60
1.70
1.70
1.80
1.80
growth rate -34.6% 0.0% 5.9% 0.0%
Cur.Liabilities 1,391.20
57.50
57.50
1,507.40
1,507.40
growth rate -95.9% 0.0% 2,521.6% 0.0%
Liabilities 2,226.60
2,414.20
2,414.20
2,492.80
2,492.80
growth rate 8.4% 0.0% 3.3% 0.0%
LT Debt 804.10
2,314.90
2,314.90
967.30
967.30
growth rate 187.9% 0.0% -58.2% 0.0%
Equity 627.60
531.30
531.30
616.10
616.10
growth rate -15.3% 0.0% 16.0% 0.0%
Common Shares 313.70
313.80
313.80
339.20
339.20
growth rate 0.0% 0.0% 8.1% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 7.05
5.80
5.80
7.55
7.55
growth rate -17.7% 0.0% 30.2% 0.0%
Cash Dividends 7.20
7.20
7.20
7.20
7.20
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA 59.00
33.90
33.90
48.80
48.80
growth rate -42.5% 0.0% 44.0% 0.0%
FCF 51.95
28.10
28.10
41.25
41.25
growth rate -45.9% 0.0% 46.8% 0.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 73.40
65.25
65.25
82.80
82.80
growth rate -11.1% 0.0% 26.9% 0.0%
Op.Income 30.95
19.75
19.75
36.70
36.70
growth rate -36.2% 0.0% 85.8% 0.0%
IBT 27.45
21.00
21.00
24.45
24.45
growth rate -23.5% 0.0% 16.4% 0.0%
Net Income 19.85
15.65
15.65
15.20
15.20
growth rate -21.2% 0.0% -2.9% 0.0%
Gross Profit 60.35
65.25
65.25
54.30
54.30
growth rate 8.1% 0.0% -16.8% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (34.36)

YOY Growth Grade:

D (42.61)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.01 11.70 7.96
EPS / Growth 3.4% 0.16 3.7%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 8.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 3.4% 5.1% 5.1%
Future PE 6.86 10.06 10.06
Future EPS 0.22 0.26 0.26
Value Price
MOS %
0.38
-79.7%
0.65
-65.1%
0.65
-65.1%
MOS Price 0.19 0.33 0.33
IRT 9.72 9.04 9.04

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.