Market Price

2.60 

-0.10 -3.7%

as of Feb 24 '21

52 Week Range:

0.40 2.80


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

Resimac Group Limited, a non-bank financial institution, provides residential mortgage solutions in Australia and New Zealand. The company operates through Australian Lending Business and New Zealand Lending Business segments. It offers prime and specialist lending products; and home loans. The company also provides mortgage originator, trustee, lender, manager, and broker services; and LMI captive insurer and record lending services. In addition, it act as a trust manager and servicer, and special purpose vehicle; and acts as an issuer of residential mortgage backed securities (RMBS). Further, the company offers warehouse mortgages; and financial management services. Resimac Group Ltd provides its products and services through brokers and white-label partners, as well as direct-to-customer consumer channel primarily under the Resimac and State Custodians brands. The company was formerly known as Homeloans Limited and changed its name to Resimac Group Resimac Group Limited in December 2018. Resimac Group Limited was founded in 1985 and is based in Sydney, Australia. Resimac Group Limited operates as a subsidiary of Somers Limited.

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 '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Equity (BVPS) 0.69
0.37
0.38
0.40
0.41
0.41
0.42
0.35
0.38
0.41
0.53
growth rate -46.4% 2.7% 5.3% 2.5% 0.0% 2.4% -16.7% 8.6% 7.9% 29.3%
Avg.PE 6.91
9.88
9.85
growth rate 43.0% -0.3%
ROA 1.76
1.75
1.97
2.28
2.09
1.92
1.82
0.44
0.32
0.48
0.47
growth rate -0.6% 12.6% 15.7% -8.3% -8.1% -5.2% -75.8% -27.3% 50.0% -2.1%
ROE 18.25
17.02
20.18
18.27
14.72
13.21
11.92
16.96
16.66
26.30
25.55
growth rate -6.7% 18.6% -9.5% -19.4% -10.3% -9.8% 42.3% -1.8% 57.9% -2.9%
ROIC -0.21
0.06
0.20
0.31
5.29
5.12
0.07
-1.15
-0.60
-0.41
2.07
growth rate 100.0% 233.3% 55.0% 1,606.5% -3.2% -98.6% -100.0% 0.0% 0.0% 100.0%
Cur. Ratio 0.15
0.10
0.14
0.19
0.18
0.18
0.21
4.83
1.09
1.10
1.11
growth rate -33.3% 40.0% 35.7% -5.3% 0.0% 16.7% 2,200.0% -77.4% 0.9% 0.9%
Quick Ratio 0.15
0.10
0.14
0.19
0.18
0.18
0.20
4.78
1.07
1.07
1.09
growth rate -33.3% 40.0% 35.7% -5.3% 0.0% 11.1% 2,290.0% -77.6% 0.0% 1.9%
Leverage 8.68
11.65
8.93
7.12
6.95
6.81
6.28
49.11
55.12
54.64
53.94
growth rate 34.2% -23.4% -20.3% -2.4% -2.0% -7.8% 682.0% 12.2% -0.9% -1.3%
Balance Sheet Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Acct.Receivable 4,461.63
5,252.00
6,713.57
8,698.97
10,398.23
12,550.85
growth rate 17.7% 27.8% 29.6% 19.5% 20.7%
Acct.Payable 4.17
2.24
1.19
4.34
25.29
25.89
growth rate -46.1% -46.9% 263.8% 483.2% 2.4%
Cur.Assets 4,680.20
5,461.39
6,911.10
8,943.97
10,681.86
12,971.81
growth rate 16.7% 26.5% 29.4% 19.4% 21.4%
Total Assets 4,690.57
5,469.68
6,934.77
8,968.95
10,716.46
13,026.69
growth rate 16.6% 26.8% 29.3% 19.5% 21.6%
Cash 181.84
161.49
187.11
198.91
224.79
365.99
growth rate -11.2% 15.9% 6.3% 13.0% 62.8%
Cur.Liabilities 22.21
42.31
60.08
2,063.51
2,447.53
2,982.37
growth rate 90.5% 42.0% 3,334.7% 18.6% 21.9%
Liabilities 4,620.77
5,387.34
6,793.56
8,806.23
10,520.33
12,785.01
growth rate 16.6% 26.1% 29.6% 19.5% 21.5%
LT Debt 4,587.48
5,337.18
6,698.35
6,712.18
8,046.98
9,767.92
growth rate 16.3% 25.5% 0.2% 19.9% 21.4%
Equity 69.81
82.34
141.20
162.73
196.12
241.49
growth rate 17.9% 71.5% 15.3% 20.5% 23.1%
Common Shares 101.00
102.00
106.00
107.00
107.00
106.00
106.00
359.00
399.00
401.00
407.00
growth rate 1.0% 3.9% 0.9% 0.0% -0.9% 0.0% 238.7% 11.1% 0.5% 1.5%
Cash Flow Statement Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Capital Expenditures 0.62
1.07
0.40
2.17
2.46
0.28
growth rate 73.4% -62.4% 440.3% 13.1% -88.6%
Cash Dividends 5.12
5.12
5.12
3.96
4.39
7.92
growth rate 0.0% 0.0% -22.6% 10.8% 80.5%
Cash From OA 26.28
-750.14
-1,206.48
-1,944.59
-1,688.42
-3,483.87
growth rate -100.0% 0.0% 0.0% 0.0% 0.0%
FCF per Share 0.03
0.04
0.06
0.03
0.03
0.06
-1.88
-4.34
-4.61
-6.77
growth rate 33.3% 50.0% -50.0% 0.0% 100.0% -100.0% 0.0% 0.0% 0.0%
FCF 3.00
4.00
6.00
3.00
5.00
4.00
6.00
-1,207.00
-1,947.00
-1,691.00
-3,484.00
growth rate 33.3% 50.0% -50.0% 66.7% -20.0% 50.0% -100.0% 0.0% 0.0% 0.0%
Income Statement Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18 Jun '19 Jun '20
Sales 64.49
78.04
117.66
130.61
144.22
178.23
growth rate 21.0% 50.8% 11.0% 10.4% 23.6%
Op.Income 9.45
15.76
23.02
35.93
50.84
79.89
growth rate 66.8% 46.1% 56.1% 41.5% 57.2%
IBT 10.55
16.50
23.02
35.93
63.94
80.28
growth rate 56.5% 39.5% 56.1% 78.0% 25.6%
Net Income 7.56
13.04
15.77
25.32
47.19
55.91
growth rate 72.5% 20.9% 60.6% 86.4% 18.5%
EPS 0.12
0.09
0.08
0.07
0.06
0.05
0.05
0.04
0.06
0.12
0.14
growth rate -25.0% -11.1% -12.5% -14.3% -16.7% 0.0% -20.0% 50.0% 100.0% 16.7%
Gross Profit 51.25
64.19
86.56
97.18
112.70
142.14
growth rate 25.3% 34.8% 12.3% 16.0% 26.1%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Balance Sheet
Acct.Receivable 10,401.14
11,491.46
11,491.46
12,550.85
12,550.85
growth rate 10.5% 0.0% 9.2% 0.0%
Acct.Payable 25.29
19.18
19.18
25.89
25.89
growth rate -24.2% 0.0% 35.0% 0.0%
Cur.Assets 10,684.77
11,933.08
11,933.08
12,971.81
12,971.81
growth rate 11.7% 0.0% 8.7% 0.0%
Total Assets 10,716.46
11,982.51
11,982.51
13,026.69
13,026.69
growth rate 11.8% 0.0% 8.7% 0.0%
Cash 224.79
412.44
412.44
365.99
365.99
growth rate 83.5% 0.0% -11.3% 0.0%
Cur.Liabilities 46.29
2,723.41
2,723.41
2,982.37
2,982.37
growth rate 5,783.9% 0.0% 9.5% 0.0%
Liabilities 10,520.33
11,765.63
11,765.63
12,785.01
12,785.01
growth rate 11.8% 0.0% 8.7% 0.0%
LT Debt 10,448.22
9,001.55
9,001.55
9,767.92
9,767.92
growth rate -13.9% 0.0% 8.5% 0.0%
Equity 196.12
216.88
216.88
241.49
241.49
growth rate 10.6% 0.0% 11.4% 0.0%
Common Shares 180.55
181.24
181.24
181.90
181.90
growth rate 0.4% 0.0% 0.4% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 0.21
0.03
0.03
0.11
0.11
growth rate -83.4% 0.0% 204.4% 0.0%
Cash Dividends 0.63
1.68
1.68
2.28
2.28
growth rate 168.3% 0.0% 35.4% 0.0%
Cash From OA -437.32
-931.43
-931.43
-810.51
-810.51
growth rate 0.0% 0.0% 0.0% 0.0%
FCF -437.53
-931.46
-931.46
-810.61
-810.61
growth rate 0.0% 0.0% 0.0% 0.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 35.59
43.43
43.43
45.68
45.68
growth rate 22.0% 0.0% 5.2% 0.0%
Op.Income 12.13
19.13
19.13
20.82
20.82
growth rate 57.7% 0.0% 8.8% 0.0%
IBT 18.45
19.32
19.32
20.82
20.82
growth rate 4.7% 0.0% 7.7% 0.0%
Net Income 14.15
13.58
13.58
14.37
14.37
growth rate -4.0% 0.0% 5.9% 0.0%
Gross Profit 27.87
34.41
34.41
36.66
36.66
growth rate 23.5% 0.0% 6.5% 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 (43.52)

YOY Growth Grade:

D (35.18)

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 19.27 18.98
EPS / Growth 32.8% 0.14

Value Price & Investment Recovery Time

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

Equity Growth Rate: 24.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 24.7% 28.8% 28.8%
Future PE 0.01 12.85 25.61
Future EPS 1.25 1.72 1.72
Value Price
MOS %
0.00
-99.9%
5.46
109.8%
10.87
318.1%
MOS Price 0.00 2.73 5.44
IRT 7.06 6.52 6.52

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

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Risk / Reward Ratios

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