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Resimac Group Ltd
Buy, Hold or Sell?

Let's analyze Resimac together

I guess you are interested in Resimac Group Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Resimac Group Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Resimac (30 sec.)










1.2. What can you expect buying and holding a share of Resimac? (30 sec.)

How much money do you get?

How much money do you get?
A$0.19
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$1.04
Expected worth in 1 year
A$1.13
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$0.39
Return On Investment
42.7%

For what price can you sell your share?

Current Price per Share
A$0.91
Expected price per share
A$0.9 - A$0.965
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Resimac (5 min.)




Live pricePrice per Share (EOD)
A$0.91
Intrinsic Value Per Share
A$-18.24 - A$37.59
Total Value Per Share
A$-17.20 - A$38.63

2.2. Growth of Resimac (5 min.)




Is Resimac growing?

Current yearPrevious yearGrowGrow %
How rich?$264.6m$264m$621.6k0.2%

How much money is Resimac making?

Current yearPrevious yearGrowGrow %
Making money$21.9m$42.2m-$20.2m-92.1%
Net Profit Margin3.4%31.2%--

How much money comes from the company's main activities?

2.3. Financial Health of Resimac (5 min.)




2.4. Comparing to competitors in the Mortgage Finance industry (5 min.)




  Industry Rankings (Mortgage Finance)  


Richest
#36 / 51

Most Revenue
#10 / 51

Most Profit
#23 / 51
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Resimac?

Welcome investor! Resimac's management wants to use your money to grow the business. In return you get a share of Resimac.

First you should know what it really means to hold a share of Resimac. And how you can make/lose money.

Speculation

The Price per Share of Resimac is A$0.91. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Resimac.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Resimac, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$1.04. Based on the TTM, the Book Value Change Per Share is A$0.02 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.09 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.08 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Resimac.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.056.0%0.056.0%0.1011.4%0.1112.6%0.078.1%
Usd Book Value Change Per Share0.011.5%0.011.5%0.066.4%0.077.7%0.066.6%
Usd Dividend Per Share0.055.3%0.055.3%0.055.5%0.044.1%0.022.4%
Usd Total Gains Per Share0.066.8%0.066.8%0.1111.9%0.1111.8%0.089.0%
Usd Price Per Share0.55-0.55-0.58-0.81-0.58-
Price to Earnings Ratio9.95-9.95-5.62-7.37-11.82-
Price-to-Total Gains Ratio8.86-8.86-5.37-7.58-12.78-
Price to Book Ratio0.83-0.83-0.90-1.56-2.12-
Price-to-Total Gains Ratio8.86-8.86-5.37-7.58-12.78-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.578396
Number of shares1728
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.050.04
Usd Book Value Change Per Share0.010.07
Usd Total Gains Per Share0.060.11
Gains per Quarter (1728 shares)106.63185.81
Gains per Year (1728 shares)426.53743.25
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
133096417258485733
26611928445169701476
3991288127177514552219
413223841698103319402962
516524812125129124253705
619835772552154929104448
723136732979180733955191
826437693406206638805934
929748653833232443666677
1033049614260258248517420

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%22.02.00.091.7%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.05.00.079.2%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%24.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.04.00.083.3%
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3.2. Key Performance Indicators

The key performance indicators of Resimac Group Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.0220.0220%0.091-76%0.110-80%0.094-77%
Book Value Per Share--1.0401.0400%1.018+2%0.873+19%0.583+78%
Current Ratio--0.2010.2010%62.006-100%40.597-100%24.438-99%
Debt To Asset Ratio--0.9720.9720%0.972+0%0.9760%0.952+2%
Debt To Equity Ratio--35.28035.2800%34.981+1%42.208-16%37.801-7%
Dividend Per Share--0.0750.0750%0.079-5%0.059+28%0.035+116%
Enterprise Value---13463149780.000-13463149780.0000%-13068042018.185-3%-13236900997.673-2%-9102045786.215-32%
Eps--0.0860.0860%0.163-47%0.180-52%0.117-26%
Ev To Ebitda Ratio---15.119-15.1190%-16.773+11%-27.007+79%-83.066+449%
Ev To Sales Ratio---13.380-13.3800%-61.267+358%-31.280+134%-33.906+153%
Free Cash Flow Per Share---0.268-0.2680%4.946-105%-2.260+744%-2.337+772%
Free Cash Flow To Equity Per Share---0.512-0.5120%0.374-237%0.374-237%0.199-358%
Gross Profit Margin--0.9410.9410%0.924+2%0.940+0%0.743+27%
Intrinsic Value_10Y_max--37.592--------
Intrinsic Value_10Y_min---18.242--------
Intrinsic Value_1Y_max--1.021--------
Intrinsic Value_1Y_min---2.232--------
Intrinsic Value_3Y_max--5.160--------
Intrinsic Value_3Y_min---6.395--------
Intrinsic Value_5Y_max--11.822--------
Intrinsic Value_5Y_min---10.187--------
Market Cap363998194.560+5%344195220.000344195220.0000%373195981.815-8%520345002.327-34%367481613.786-6%
Net Profit Margin--0.0340.0340%0.312-89%0.179-81%0.028+24%
Operating Margin--0.8830.8830%3.641-76%1.377-36%0.361+144%
Operating Ratio--0.1520.1520%0.726-79%0.298-49%0.725-79%
Pb Ratio0.875+5%0.8270.8270%0.898-8%1.559-47%2.119-61%
Pe Ratio10.529+5%9.9519.9510%5.617+77%7.371+35%11.816-16%
Price Per Share0.910+5%0.8600.8600%0.915-6%1.279-33%0.906-5%
Price To Free Cash Flow Ratio-3.396-6%-3.209-3.2090%0.185-1835%-0.826-74%9.105-135%
Price To Total Gains Ratio9.373+5%8.8588.8580%5.371+65%7.582+17%12.780-31%
Quick Ratio--0.2060.2060%64.037-100%43.075-100%26.106-99%
Return On Assets--0.0020.0020%0.004-48%0.005-53%0.007-68%
Return On Equity--0.0830.0830%0.160-48%0.216-62%0.183-55%
Total Gains Per Share--0.0970.0970%0.170-43%0.169-43%0.129-25%
Usd Book Value--264639051.600264639051.6000%264017434.800+0%225337615.313+17%150052702.176+76%
Usd Book Value Change Per Share--0.0140.0140%0.058-76%0.070-80%0.060-77%
Usd Book Value Per Share--0.6610.6610%0.647+2%0.555+19%0.371+78%
Usd Dividend Per Share--0.0480.0480%0.050-5%0.037+28%0.022+116%
Usd Enterprise Value---8557178000.168-8557178000.1680%-8306047506.758-3%-8413374274.121-2%-5785260301.718-32%
Usd Eps--0.0550.0550%0.104-47%0.114-52%0.074-26%
Usd Free Cash Flow---68169371.200-68169371.2000%1282127235.200-105%-585748112.320+759%-600199622.400+780%
Usd Free Cash Flow Per Share---0.170-0.1700%3.144-105%-1.437+744%-1.486+772%
Usd Free Cash Flow To Equity Per Share---0.326-0.3260%0.238-237%0.238-237%0.126-358%
Usd Market Cap231357252.462+5%218770481.832218770481.8320%237203366.042-8%330731283.479-34%233571313.722-6%
Usd Price Per Share0.578+5%0.5470.5470%0.582-6%0.813-33%0.576-5%
Usd Profit--21985404.00021985404.0000%42233077.600-48%46608293.760-53%29605103.920-26%
Usd Revenue--639573771.200639573771.2000%135571573.200+372%339673411.280+88%193056889.760+231%
Usd Total Gains Per Share--0.0620.0620%0.108-43%0.108-43%0.082-25%
 EOD+5 -3MRQTTM+0 -0YOY+12 -285Y+19 -2110Y+20 -20

3.3 Fundamental Score

Let's check the fundamental score of Resimac Group Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1510.529
Price to Book Ratio (EOD)Between0-10.875
Net Profit Margin (MRQ)Greater than00.034
Operating Margin (MRQ)Greater than00.883
Quick Ratio (MRQ)Greater than10.206
Current Ratio (MRQ)Greater than10.201
Debt to Asset Ratio (MRQ)Less than10.972
Debt to Equity Ratio (MRQ)Less than135.280
Return on Equity (MRQ)Greater than0.150.083
Return on Assets (MRQ)Greater than0.050.002
Total5/10 (50.0%)

3.4 Technical Score

Let's check the technical score of Resimac Group Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5035.340
Ma 20Greater thanMa 501.007
Ma 50Greater thanMa 1000.990
Ma 100Greater thanMa 2000.935
OpenGreater thanClose0.920
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About Resimac Group Ltd

Resimac Group Limited provides residential mortgage and asset finance lending products in Australia and New Zealand. The company operates through Home Loan Lending business, New Zealand Lending, and Asset Finance Lending segments. It offers prime and specialist lending products; SME/commercial finance products; and home and car loans. The company also provides mortgage originator, trustee, lender, and mortgage manager and broker services; consumer and commercial lending; and LMI captive insurer services. In addition, it acts as a trust manager and servicer; warehouse mortgages; and an issuer of residential mortgage-backed securities, as well as managed investment trust services. The company offers its products and services through brokers and wholesale channel primarily under the Resimac, Resimac (NZ), Resimac Asset Finance, and homeloans.com.au brand names. 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.

Fundamental data was last updated by Penke on 2025-02-04 16:27:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Resimac earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Resimac to the Mortgage Finance industry mean.
  • A Net Profit Margin of 3.4% means that $0.03 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Resimac Group Ltd:

  • The MRQ is 3.4%. The company is making a profit. +1
  • The TTM is 3.4%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ3.4%TTM3.4%0.0%
TTM3.4%YOY31.2%-27.7%
TTM3.4%5Y17.9%-14.4%
5Y17.9%10Y2.8%+15.1%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ3.4%50.9%-47.5%
TTM3.4%49.6%-46.2%
YOY31.2%51.7%-20.5%
5Y17.9%53.8%-35.9%
10Y2.8%48.1%-45.3%
4.3.1.2. Return on Assets

Shows how efficient Resimac is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Resimac to the Mortgage Finance industry mean.
  • 0.2% Return on Assets means that Resimac generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Resimac Group Ltd:

  • The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.2%TTM0.2%0.0%
TTM0.2%YOY0.4%-0.2%
TTM0.2%5Y0.5%-0.3%
5Y0.5%10Y0.7%-0.2%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2%0.1%+0.1%
TTM0.2%0.2%+0.0%
YOY0.4%0.2%+0.2%
5Y0.5%0.3%+0.2%
10Y0.7%0.4%+0.3%
4.3.1.3. Return on Equity

Shows how efficient Resimac is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Resimac to the Mortgage Finance industry mean.
  • 8.3% Return on Equity means Resimac generated $0.08 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Resimac Group Ltd:

  • The MRQ is 8.3%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 8.3%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ8.3%TTM8.3%0.0%
TTM8.3%YOY16.0%-7.7%
TTM8.3%5Y21.6%-13.3%
5Y21.6%10Y18.3%+3.3%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ8.3%5.2%+3.1%
TTM8.3%5.2%+3.1%
YOY16.0%6.1%+9.9%
5Y21.6%8.9%+12.7%
10Y18.3%11.9%+6.4%
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4.3.2. Operating Efficiency of Resimac Group Ltd.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Resimac is operating .

  • Measures how much profit Resimac makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Resimac to the Mortgage Finance industry mean.
  • An Operating Margin of 88.3% means the company generated $0.88  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Resimac Group Ltd:

  • The MRQ is 88.3%. The company is operating very efficient. +2
  • The TTM is 88.3%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ88.3%TTM88.3%0.0%
TTM88.3%YOY364.1%-275.9%
TTM88.3%5Y137.7%-49.4%
5Y137.7%10Y36.1%+101.6%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ88.3%28.9%+59.4%
TTM88.3%42.9%+45.4%
YOY364.1%-4.1%+368.2%
5Y137.7%25.2%+112.5%
10Y36.1%28.7%+7.4%
4.3.2.2. Operating Ratio

Measures how efficient Resimac is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Mortgage Finance industry mean).
  • An Operation Ratio of 0.15 means that the operating costs are $0.15 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Resimac Group Ltd:

  • The MRQ is 0.152. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.152. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.152TTM0.1520.000
TTM0.152YOY0.726-0.575
TTM0.1525Y0.298-0.146
5Y0.29810Y0.725-0.427
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1520.748-0.596
TTM0.1520.710-0.558
YOY0.7260.791-0.065
5Y0.2980.687-0.389
10Y0.7250.743-0.018
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4.4.3. Liquidity of Resimac Group Ltd.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Resimac is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Mortgage Finance industry mean).
  • A Current Ratio of 0.20 means the company has $0.20 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Resimac Group Ltd:

  • The MRQ is 0.201. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.201. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.201TTM0.2010.000
TTM0.201YOY62.006-61.805
TTM0.2015Y40.597-40.396
5Y40.59710Y24.438+16.159
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2011.375-1.174
TTM0.2010.833-0.632
YOY62.00637.702+24.304
5Y40.59734.860+5.737
10Y24.43827.906-3.468
4.4.3.2. Quick Ratio

Measures if Resimac is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Resimac to the Mortgage Finance industry mean.
  • A Quick Ratio of 0.21 means the company can pay off $0.21 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Resimac Group Ltd:

  • The MRQ is 0.206. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.206. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.206TTM0.2060.000
TTM0.206YOY64.037-63.831
TTM0.2065Y43.075-42.869
5Y43.07510Y26.106+16.969
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.2060.756-0.550
TTM0.2060.756-0.550
YOY64.03741.365+22.672
5Y43.07535.098+7.977
10Y26.10637.377-11.271
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4.5.4. Solvency of Resimac Group Ltd.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Resimac assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Resimac to Mortgage Finance industry mean.
  • A Debt to Asset Ratio of 0.97 means that Resimac assets are financed with 97.2% credit (debt) and the remaining percentage (100% - 97.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Resimac Group Ltd:

  • The MRQ is 0.972. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.972. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.972TTM0.9720.000
TTM0.972YOY0.972+0.000
TTM0.9725Y0.976-0.004
5Y0.97610Y0.952+0.024
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9720.941+0.031
TTM0.9720.943+0.029
YOY0.9720.948+0.024
5Y0.9760.954+0.022
10Y0.9520.948+0.004
4.5.4.2. Debt to Equity Ratio

Measures if Resimac is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Resimac to the Mortgage Finance industry mean.
  • A Debt to Equity ratio of 3,528.0% means that company has $35.28 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Resimac Group Ltd:

  • The MRQ is 35.280. The company is unable to pay all its debts with equity. -1
  • The TTM is 35.280. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ35.280TTM35.2800.000
TTM35.280YOY34.981+0.299
TTM35.2805Y42.208-6.928
5Y42.20810Y37.801+4.407
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ35.28032.480+2.800
TTM35.28032.480+2.800
YOY34.98134.587+0.394
5Y42.20829.191+13.017
10Y37.80125.470+12.331
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Resimac generates.

  • Above 15 is considered overpriced but always compare Resimac to the Mortgage Finance industry mean.
  • A PE ratio of 9.95 means the investor is paying $9.95 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Resimac Group Ltd:

  • The EOD is 10.529. Based on the earnings, the company is underpriced. +1
  • The MRQ is 9.951. Based on the earnings, the company is underpriced. +1
  • The TTM is 9.951. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD10.529MRQ9.951+0.579
MRQ9.951TTM9.9510.000
TTM9.951YOY5.617+4.334
TTM9.9515Y7.371+2.580
5Y7.37110Y11.816-4.445
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD10.5296.411+4.118
MRQ9.9514.683+5.268
TTM9.9514.092+5.859
YOY5.6170.383+5.234
5Y7.37125.448-18.077
10Y11.81611.873-0.057
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Resimac Group Ltd:

  • The EOD is -3.396. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -3.209. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -3.209. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-3.396MRQ-3.209-0.187
MRQ-3.209TTM-3.2090.000
TTM-3.209YOY0.185-3.394
TTM-3.2095Y-0.826-2.383
5Y-0.82610Y9.105-9.931
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD-3.396-3.830+0.434
MRQ-3.209-2.256-0.953
TTM-3.209-0.758-2.451
YOY0.1851.158-0.973
5Y-0.826-0.012-0.814
10Y9.1050.041+9.064
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Resimac is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Mortgage Finance industry mean).
  • A PB ratio of 0.83 means the investor is paying $0.83 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Resimac Group Ltd:

  • The EOD is 0.875. Based on the equity, the company is cheap. +2
  • The MRQ is 0.827. Based on the equity, the company is cheap. +2
  • The TTM is 0.827. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.875MRQ0.827+0.048
MRQ0.827TTM0.8270.000
TTM0.827YOY0.898-0.072
TTM0.8275Y1.559-0.732
5Y1.55910Y2.119-0.560
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD0.8750.967-0.092
MRQ0.8270.918-0.091
TTM0.8270.536+0.291
YOY0.8980.317+0.581
5Y1.5590.976+0.583
10Y2.1190.985+1.134
4.6.2. Total Gains per Share

4.7 Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Resimac Group Ltd.

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5. Financial Statements




5.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2020-06-302021-06-302022-06-302023-06-302024-06-30
Net Working Capital  337,412272,554609,966300,268910,234157,6781,067,912-4,523,338-3,455,426



5.2. Latest Balance Sheet

Balance Sheet of 2024-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets15,094,705
Total Liabilities14,678,344
Total Stockholder Equity416,050
 As reported
Total Liabilities 14,678,344
Total Stockholder Equity+ 416,050
Total Assets = 15,094,705

Assets

Total Assets15,094,705
Total Current Assets870,999
Long-term Assets14,223,706
Total Current Assets
Cash And Cash Equivalents 870,999
Net Receivables 18,249
Other Current Assets -18,249
Total Current Assets  (as reported)870,999
Total Current Assets  (calculated)870,999
+/-0
Long-term Assets
Property Plant Equipment 6,289
Goodwill 28,379
Long Term Investments 18,655
Other Assets 15,094,705
Long-term Assets  (as reported)14,223,706
Long-term Assets  (calculated)15,148,028
+/- 924,322

Liabilities & Shareholders' Equity

Total Current Liabilities4,326,425
Long-term Liabilities5,617
Total Stockholder Equity416,050
Total Current Liabilities
Short-term Debt 14,422,949
Short Long Term Debt 14,422,949
Accounts payable 22,286
Other Current Liabilities -14,445,235
Total Current Liabilities  (as reported)4,326,425
Total Current Liabilities  (calculated)14,422,949
+/- 10,096,524
Long-term Liabilities
Long-term Liabilities  (as reported)5,617
Long-term Liabilities  (calculated)0
+/- 5,617
Total Stockholder Equity
Common Stock174,331
Retained Earnings 265,820
Accumulated Other Comprehensive Income -23,686
Other Stockholders Equity -415
Total Stockholder Equity (as reported)416,050
Total Stockholder Equity (calculated)416,050
+/-0
Other
Capital Stock173,916
Cash and Short Term Investments 870,999
Common Stock Shares Outstanding 400,227
Liabilities and Stockholders Equity 15,094,705
Net Debt 13,551,950
Net Invested Capital 14,838,999
Net Working Capital -3,455,426
Property Plant and Equipment Gross 6,289
Short Long Term Debt Total 14,422,949



5.3. Balance Sheets Structured

Currency in AUD. All numbers in thousands.

 Trend2024-06-302023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-30
> Total Assets 
0
39,079
46,912
76,695
56,897
63,993
64,304
761,280
939,434
1,060,439
791,347
600,884
448,055
374,223
304,433
288,535
295,687
280,898
6,934,772
8,968,950
10,716,457
13,026,691
14,634,034
16,737,172
14,942,038
15,094,705
15,094,70514,942,03816,737,17214,634,03413,026,69110,716,4578,968,9506,934,772280,898295,687288,535304,433374,223448,055600,884791,3471,060,439939,434761,28064,30463,99356,89776,69546,91239,0790
   > Total Current Assets 
0
11,308
9,633
15,201
17,701
21,546
20,447
37,587
138,567
82,106
86,387
77,366
41,759
43,511
40,467
36,639
36,997
38,088
187,109
198,905
224,790
365,987
619,809
932,781
1,085,417
870,999
870,9991,085,417932,781619,809365,987224,790198,905187,10938,08836,99736,63940,46743,51141,75977,36686,38782,106138,56737,58720,44721,54617,70115,2019,63311,3080
       Cash And Cash Equivalents 
0
7,930
2,785
1,192
672
623
1,468
25,574
31,893
72,600
73,851
57,592
20,960
20,084
17,175
13,798
12,316
12,604
187,109
198,905
224,790
365,987
619,809
932,781
1,085,417
870,999
870,9991,085,417932,781619,809365,987224,790198,905187,10912,60412,31613,79817,17520,08420,96057,59273,85172,60031,89325,5741,4686236721,1922,7857,9300
       Short-term Investments 
0
0
0
0
0
0
0
0
79,297
0
6,291
14,478
15,298
18,713
49,757
52,016
63,829
21,075
443
260
260
260
260
260
8,000
0
08,00026026026026026044321,07563,82952,01649,75718,71315,29814,4786,291079,29700000000
       Net Receivables 
0
1,146
4,327
6,485
9,031
8,997
8,195
10,180
4,377
2,712
2,249
2,173
4,987
3,861
3,718
4,684
3,387
4,409
7,779
23,017
23,610
49,179
39,054
30,683
27,542
18,249
18,24927,54230,68339,05449,17923,61023,0177,7794,4093,3874,6843,7183,8614,9872,1732,2492,7124,37710,1808,1958,9979,0316,4854,3271,1460
       Other Current Assets 
0
2,232
2,521
7,524
7,998
11,926
10,784
1,833
23,000
6,794
3,996
3,123
1,028
1,323
583
569
1,227
780
-194,888
-222,182
-248,660
-415,426
-659,123
-963,724
-1,112,959
-18,249
-18,249-1,112,959-963,724-659,123-415,426-248,660-222,182-194,8887801,2275695831,3231,0283,1233,9966,79423,0001,83310,78411,9267,9987,5242,5212,2320
   > Long-term Assets 
0
27,770
37,279
61,495
39,196
42,447
43,857
723,693
800,867
978,333
704,960
523,518
406,296
330,712
263,966
251,896
258,690
242,810
23,647
24,723
25,567
43,364
40,123
38,383
37,022
14,223,706
14,223,70637,02238,38340,12343,36425,56724,72323,647242,810258,690251,896263,966330,712406,296523,518704,960978,333800,867723,69343,85742,44739,19661,49537,27927,7700
       Property Plant Equipment 
0
1,005
1,076
1,858
1,874
2,809
1,957
1,672
1,711
1,506
1,185
1,011
887
726
627
843
635
607
1,351
2,625
2,110
14,471
12,557
10,887
8,643
6,289
6,2898,64310,88712,55714,4712,1102,6251,3516076358436277268871,0111,1851,5061,7111,6721,9572,8091,8741,8581,0761,0050
       Goodwill 
0
26,709
31,552
45,358
44,248
15,716
15,071
15,997
26,907
15,913
12,567
12,565
12,565
13,554
13,220
13,220
13,242
13,242
21,766
21,766
21,766
27,430
27,430
27,430
28,379
28,379
28,37928,37927,43027,43027,43021,76621,76621,76613,24213,24213,22013,22013,55412,56512,56512,56715,91326,90715,99715,07115,71644,24845,35831,55226,7090
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
1,000
1,000
1,000
3,500
47,819
0
39,667
4,860
6,921
15,083
23,483
20,587
18,655
18,65520,58723,48315,0836,9214,86039,667047,8193,5001,0001,0001,0000000000000000
       Intangible Assets 
0
0
31,551
45,358
16,631
15,716
15,071
15,996
26,907
15,913
12,565
12,565
12,565
13,554
1,593
1,514
1,065
13,242
530
332
1,691
28,893
27,566
27,496
28,379
0
028,37927,49627,56628,8931,69133253013,2421,0651,5141,59313,55412,56512,56512,56515,91326,90715,99615,07115,71616,63145,35831,55100
       Other Assets 
0
0
6,498
0
27,491
36,213
38,263
21,120
1,789
369
28,507
20,591
22,428
28,485
31,349
34,997
4,534
4,851
6,724,016
8,745,322
10,466,100
12,617,340
13,974,102
15,766,008
13,819,599
15,094,705
15,094,70513,819,59915,766,00813,974,10212,617,34010,466,1008,745,3226,724,0164,8514,53434,99731,34928,48522,42820,59128,5073691,78921,12038,26336,21327,49106,49800
> Total Liabilities 
0
5,419
11,956
22,416
25,758
27,209
26,636
729,080
862,766
1,000,424
726,257
531,661
409,588
332,301
261,675
246,998
252,296
236,179
6,793,564
8,806,225
10,520,333
12,785,005
14,312,895
16,359,104
14,526,655
14,678,344
14,678,34414,526,65516,359,10414,312,89512,785,00510,520,3338,806,2256,793,564236,179252,296246,998261,675332,301409,588531,661726,2571,000,424862,766729,08026,63627,20925,75822,41611,9565,4190
   > Total Current Liabilities 
0
4,819
9,080
8,267
8,038
8,566
8,020
70,594
415,823
36,205
726,257
527,877
404,824
313,855
209,699
199,866
204,022
182,160
16,524
18,037
12,052
10,044
9,843
22,547
17,505
4,326,425
4,326,42517,50522,5479,84310,04412,05218,03716,524182,160204,022199,866209,699313,855404,824527,877726,25736,205415,82370,5948,0208,5668,0388,2679,0804,8190
       Short-term Debt 
0
2,514
5,501
3,021
1,698
712
554
60,531
398,459
23,352
527,934
390,753
309,549
244,135
183,018
185,732
189,957
175,497
1,379,908
2,004,936
2,403,643
2,919,258
3,685,889
4,725,352
4,560,090
14,422,949
14,422,9494,560,0904,725,3523,685,8892,919,2582,403,6432,004,9361,379,908175,497189,957185,732183,018244,135309,549390,753527,93423,352398,45960,5315547121,6983,0215,5012,5140
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
175,397
1,379,908
2,004,890
2,403,643
2,917,692
14,183,133
16,299,552
14,487,289
14,422,949
14,422,94914,487,28916,299,55214,183,1332,917,6922,403,6432,004,8901,379,908175,39700000000000000000
       Accounts payable 
0
586
349
165
267
597
515
520
820
947
748
573
542
434
446
583
843
769
38,345
43,870
25,294
25,891
34,537
30,062
27,146
22,286
22,28627,14630,06234,53725,89125,29443,87038,3457698435834464345425737489478205205155972671653495860
       Other Current Liabilities 
0
1,720
2,465
3,473
3,722
4,390
4,237
9,543
16,544
11,906
197,575
135,484
167,753
69,286
26,235
13,551
13,222
5,894
-1,401,729
8,555
7,032
-2,935,431
-24,694
-30,062
-27,146
-14,445,235
-14,445,235-27,146-30,062-24,694-2,935,4317,0328,555-1,401,7295,89413,22213,55126,23569,286167,753135,484197,57511,90616,5449,5434,2374,3903,7223,4732,4651,7200
   > Long-term Liabilities 
0
599
2,876
14,149
17,720
18,643
18,616
658,486
446,943
964,219
0
3,784
4,764
18,446
51,976
47,132
48,274
54,019
6,698,350
6,712,175
8,046,978
9,767,924
10,486,282
11,564,803
9,912,683
5,617
5,6179,912,68311,564,80310,486,2829,767,9248,046,9786,712,1756,698,35054,01948,27447,13251,97618,4464,7643,7840964,219446,943658,48618,61618,64317,72014,1492,8765990
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,708,855
8,717,211
10,450,621
12,697,672
10,497,244
11,574,200
9,920,349
0
09,920,34911,574,20010,497,24412,697,67210,450,6218,717,2116,708,855000000000000000000
       Other Liabilities 
0
0
4,345
0
12,112
15,260
15,839
9,983
20,753
22,427
26,247
20,736
21,274
23,232
27,448
28,896
10,802
7,849
34,874
30,543
25,826
22,654
16,015
14,451
9,962
0
09,96214,45116,01522,65425,82630,54334,8747,84910,80228,89627,44823,23221,27420,73626,24722,42720,7539,98315,83915,26012,11204,34500
> Total Stockholder Equity
0
33,660
34,956
54,279
31,139
36,784
37,668
32,200
76,668
60,015
65,090
69,223
38,467
41,922
42,758
41,537
43,391
44,719
141,199
162,725
196,124
241,492
321,139
378,068
415,273
416,050
416,050415,273378,068321,139241,492196,124162,725141,19944,71943,39141,53742,75841,92238,46769,22365,09060,01576,66832,20037,66836,78431,13954,27934,95633,6600
   Common Stock
0
33,660
33,009
49,686
48,624
48,624
48,624
48,624
98,246
97,981
97,337
98,283
64,481
66,114
66,131
39,029
39,184
39,391
174,762
177,340
180,548
181,895
181,675
176,476
173,531
174,331
174,331173,531176,476181,675181,895180,548177,340174,76239,39139,18439,02966,13166,11464,48198,28397,33797,98198,24648,62448,62448,62448,62449,68633,00933,6600
   Retained Earnings Total Equity00000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
-1,454
-2,121
-3,113
-3,521
-3,086
367
603
774
816
816
816
816
816
940
1,232
1,333
-64,699
-3,011
-7,197
-7,556
-18,126
-25,466
-19,589
-23,686
-23,686-19,589-25,466-18,126-7,556-7,197-3,011-64,6991,3331,232940816816816816816774603367-3,086-3,521-3,113-2,121-1,45400
   Capital Surplus 00000000000000000000000000
   Treasury Stock000-1,3360000000000000000000000
   Other Stockholders Equity 
0
0
1,454
2,121
3,113
0
0
-138
2
0
0
0
0
0
-804
-1,182
-410
-70,147
-64,699
-64,552
-68,738
-310,589
61,541
61,541
-61,541
-415
-415-61,54161,54161,541-310,589-68,738-64,552-64,699-70,147-410-1,182-804000002-138003,1132,1211,45400



5.4. Balance Sheets

Currency in AUD. All numbers in thousands.