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Companies Financials PLT.AX
PL
PLT.AX ASX Consumer Lending

Plt.Ax

A$0,75
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1D5D1M3M6MYTD1Y5YMax
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Mcap
136,7M AUD
P/E
EV / Rev
Div yield
Op margin
2,6 %
ROE
58,2 %
Net margin
9,5 %
Debt / equity
60,25
Beta
52w range
Volume
Day range
Prev close
Open
Next earnings
Ex-dividend
TR 1Y
About

PLT.AX operates in the consumer lending sector, providing financial services to individuals and small businesses, primarily through banking and investment services.

Business. PLT.AX is a financial services company operating within the Consumer Lending industry under the broader Banking & Investment Services sector. The firm engages in banking activities and generates revenue primarily through a fee-income model. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
BUY2 analysts
2 buy0 hold0 sell
Avg 12m price target1,63

Analyst recommendations

2 analysts · consensus Buy
Buy2
Hold0
Sell0
12-month price target
1,63
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
Buy
2 analysts · indicative
Ownership
not yet wired
Profitability
58,2 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning PLT.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to PLT.AX. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    PLT.AX is a financial services company operating within the Consumer Lending industry under the broader Banking & Investment Services sector. The firm engages in banking activities and generates revenue primarily through a fee-income model. Specific details regarding operating segments, headquarters location, and primary stock exchange listings are not available in the provided data.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryConsumer Lending
    ActivityBanking
    AI synthesis
    GENERATED

    PLT.AX has a market price of 0.77 AUD and a market cap of 140.3 million AUD, with a price-to-earnings ratio of 5.67 and a price-to-book ratio of 3.3. The company's liquidity is assessed as medium, with a debt-to-equity ratio of 60.25, indicating a high level of leverage. The company's return on equity is 58.19%, which is significantly higher than the industry median, suggesting strong profitability relative to its equity base.

    The company's return on assets is 0.93%, which is below the industry median, indicating that PLT.AX is not generating as much profit from its assets as its peers. The company's operating income of 6.7 million AUD and net income of 24.8 million AUD suggest a healthy profit margin, but the low return on assets indicates inefficiencies in asset utilization. The company's gross profit of 98.55 million AUD and operating cash flow of 64.47 million AUD support its profitability, but the free cash flow of 26.23 million AUD is relatively modest.

    PLT.AX's revenue is concentrated in a single segment, with no disclosed geographic diversification, which may increase its exposure to regional economic fluctuations. The company's revenue of 259.4 million AUD is supported by its total assets of 2.66 billion AUD, but the high level of long-term debt (2.56 billion AUD) suggests a reliance on debt financing. The company's capital expenditure of -115,000 AUD indicates a reduction in capital spending, which may affect long-term growth.

    The company's outlook for the current fiscal year is positive, with a revenue growth rate of 0.00% and a net income growth rate of 0.00%. The next fiscal year is expected to show a revenue growth rate of 0.00% and a net income growth rate of 0.00%, indicating a stable but not growing business. The company's risk assessment indicates a medium liquidity risk and a low dilution risk, with no near-term pressure for additional equity issuance.

    Recent events include analyst estimates with a mean price target of 1.63 AUD and a median price target of 1.63 AUD, suggesting a positive outlook from analysts. The company has a mean recommendation of 1.50, with one strong-buy and one buy recommendation, indicating a generally positive sentiment among analysts. The company's financial performance and risk profile suggest that it is a stable but not highly volatile investment.

    Key takeaways
    • PLT.AX has a high return on equity (58.19%) but a low return on assets (0.93%), indicating strong profitability relative to equity but inefficiencies in asset utilization.
    • The company's debt-to-equity ratio of 60.25 suggests a high level of leverage, which increases financial risk.
    • Analysts have a generally positive outlook, with a mean price target of 1.63 AUD and a mean recommendation of 1.50.
    • The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
    • PLT.AX's revenue is concentrated in a single segment, increasing its exposure to regional economic fluctuations.
    • margin_outlook_rationale: The company's gross profit margin is expected to remain stable, driven by consistent revenue and cost management.
    • rd_outlook_rationale: Research and development is not a significant factor in the company's operations, and no major changes are expected.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    A$0,75
    Market cap
    A$140.3M
    Enterprise value
    A$2.70B
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    41.9x
    P / B
    3.3x
    P / Tangible book
    3.3x
    Tangible book
    A$42.5M
    Net cash
    -A$2.56B
    Current ratio
    Debt / equity
    60.2
    ROA
    0.9%
    ROE
    58.2%
    Cash conversion
    260.0%
    CapEx / revenue
    -0.0%
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    0,10
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    2
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    as of 2026-05-10 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate0,10
    Revenueno estimateno estimate312,3M AUD
    Operating incomeno estimateno estimate10,4M AUD
    Full-year consensus mean (period as reported by source) · consensus in AUD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution2 analysts
    Strong buy1
    Buy1
    Hold0
    Sell0
    Strong sell0
    12-month price targetA$1,63 · Median A$1,63
    Low A$1,51High A$1,75
    Operating income · consensus10,4M AUD
    EPS surprise
    −26,3 %
    reported vs consensus · miss
    Revenue surprise
    −16,9 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    LowA$1,51
    MeanA$1,63
    MedianA$1,63
    HighA$1,75
    SpotA$0,75
    +117.3 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Op Margin2,6 %Bottom quartile
    Net Margin9,5 %Below median
    ROE58,2 %Best in class
    Capex / Rev-0,0 %Above P75
    D/E60,25Bottom quartile
    Cash Conv2,60Above median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Ev To Operating Cash Flow
      enterprise_value / operating_cash_flow
    • Return On Equity
      net_income / total_equity
    • Price To Earnings
      market_price / (net_income / shares_outstanding_diluted)
    • Price To Book
      market_price / (adjusted_book_value / shares_outstanding_diluted)
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Market Price
      input from market-data provider (delayed close or quote-shim mid)
    Source documents
    • PLT.AX Market data — financials · 2026-05-29
    • Plenti Group Ltd Market data — analyst estimates · 2026-05-29

    Ownership & reference

    Leadership

    • Øyvind IsaksenCEO

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    PLT.AXCanonical
    ASX · AUD

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.

    Evidence & claims

    From filings & derived data
    • Current ratio (FY 2024-12-31): 10.17xDerived (calculated)
    • Return on assets (FY 2024-12-31): -41.4%Derived (calculated)
    • Debt-to-equity (FY 2024-12-31): 0.10xDerived (calculated)
    • Net margin (FY 2024-12-31): -1,076.1%Derived (calculated)
    • Return on equity (FY 2024-12-31): -45.5%Derived (calculated)
    • Finance expense (annual): NOK 1.89MBRREG filing
    • Total liabilities (annual): NOK 22.79MBRREG filing
    • Shareholders' equity (annual): NOK 227.56MBRREG filing
    • Total equity & liabilities (annual): NOK 250.35MBRREG filing
    • Non current assets (annual): NOK 22.93MBRREG filing
    • Current assets (annual): NOK 227.42MBRREG filing
    • Total assets (annual): NOK 250.35MBRREG filing
    • Total operating expenses (annual): NOK 121.64MBRREG filing
    • Revenue (annual): NOK 9.62MBRREG filing
    • Operating income (annual): NOK -112.02MBRREG filing
    • Pre-tax income (annual): NOK -103.57MBRREG filing
    • Net income (annual): NOK -103.57MBRREG filing
    • Non current liabilities (annual): NOK 426KBRREG filing
    • Current liabilities (annual): NOK 22.36MBRREG filing
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2026-05-21 21:19 UTCFILINGRegulatory filing →
    2026-05-21 05:23 UTCFILINGRegulatory filing →
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage