Insignia Financial Ltd. Logo

Insignia Financial Ltd.

IFL.AX

(2.8)
Stock Price

3,29 AUD

16.18% ROA

28.75% ROE

2.93x PER

Market Cap.

1.810.084.089,00 AUD

39.54% DER

3.43% Yield

31.83% NPM

Insignia Financial Ltd. Stock Analysis

Insignia Financial Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Insignia Financial Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.56x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (40%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

The stock's ROE falls within an average range (1.13%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.95%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (60) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Insignia Financial Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Insignia Financial Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Insignia Financial Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Insignia Financial Ltd. Revenue
Year Revenue Growth
2003 105.916.000
2004 145.689.000 27.3%
2005 172.534.000 15.56%
2006 214.780.000 19.67%
2007 252.746.000 15.02%
2008 260.005.000 2.79%
2009 251.984.000 -3.18%
2010 627.640.000 59.85%
2011 632.976.000 0.84%
2012 606.530.000 -4.36%
2013 674.949.000 10.14%
2014 740.214.000 8.82%
2015 909.939.000 18.65%
2016 907.882.000 -0.23%
2017 907.519.000 -0.04%
2018 758.080.000 -19.71%
2019 1.058.762.999 28.4%
2020 1.146.868.000 7.68%
2020 1.078.700.000 -6.32%
2021 1.233.300.000 12.54%
2022 2.144.400.000 42.49%
2023 1.944.800.000 -10.26%
2024 3.843.600.000 49.4%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Insignia Financial Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Insignia Financial Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 42.781.000
2004 51.085.000 16.26%
2005 46.620.000 -9.58%
2006 53.831.000 13.4%
2007 64.698.000 16.8%
2008 72.225.000 10.42%
2009 102.422.000 29.48%
2010 183.489.000 44.18%
2011 159.338.000 -15.16%
2012 171.777.000 7.24%
2013 197.279.000 12.93%
2014 59.201.000 -233.24%
2015 75.521.000 21.61%
2016 76.327.000 1.06%
2017 69.611.000 -9.65%
2018 46.537.000 -49.58%
2019 61.965.000 24.9%
2020 319.135.000 80.58%
2020 82.900.000 -284.96%
2021 145.700.000 43.1%
2022 313.600.000 53.54%
2023 276.800.000 -13.29%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Insignia Financial Ltd. EBITDA
Year EBITDA Growth
2003 41.870.000
2004 46.201.000 9.37%
2005 80.678.000 42.73%
2006 67.336.000 -19.81%
2007 74.858.000 10.05%
2008 28.312.000 -164.4%
2009 39.848.000 28.95%
2010 128.972.000 69.1%
2011 181.866.000 29.08%
2012 147.126.000 -23.61%
2013 166.405.000 11.59%
2014 171.922.000 3.21%
2015 241.099.000 28.69%
2016 254.919.000 5.42%
2017 273.763.000 6.88%
2018 246.899.000 -10.88%
2019 40.709.000 -506.5%
2020 240.142.000 83.05%
2020 195.600.000 -22.77%
2021 174.100.000 -12.35%
2022 294.400.000 40.86%
2023 284.200.000 -3.59%
2024 -242.000.000 217.44%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Insignia Financial Ltd. Gross Profit
Year Gross Profit Growth
2003 103.462.000
2004 145.689.000 28.98%
2005 172.534.000 15.56%
2006 214.780.000 19.67%
2007 252.746.000 15.02%
2008 260.005.000 2.79%
2009 251.984.000 -3.18%
2010 627.640.000 59.85%
2011 632.976.000 0.84%
2012 606.530.000 -4.36%
2013 392.366.000 -54.58%
2014 262.901.000 -49.24%
2015 358.612.000 26.69%
2016 369.585.000 2.97%
2017 381.428.000 3.1%
2018 326.973.000 -16.65%
2019 374.646.999 12.73%
2020 579.733.000 35.38%
2020 521.200.000 -11.23%
2021 638.600.000 18.38%
2022 1.325.900.000 51.84%
2023 1.213.900.000 -9.23%
2024 2.467.600.000 50.81%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Insignia Financial Ltd. Net Profit
Year Net Profit Growth
2003 20.000
2004 -474.000 104.22%
2005 -1.554.000 69.5%
2006 23.273.000 106.68%
2007 22.344.000 -4.16%
2008 23.340.000 4.27%
2009 15.847.000 -47.28%
2010 68.403.000 76.83%
2011 99.489.000 31.25%
2012 19.373.000 -413.54%
2013 79.769.000 75.71%
2014 101.285.000 21.24%
2015 138.371.000 26.8%
2016 137.922.000 -0.33%
2017 115.990.000 -18.91%
2018 88.301.000 -31.36%
2019 -34.840.000 353.45%
2020 146.964.000 123.71%
2020 56.900.000 -158.28%
2021 -142.600.000 139.9%
2022 36.800.000 487.5%
2023 8.199.999 -348.78%
2024 2.658.147.444 99.69%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Insignia Financial Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 1
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 4 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Insignia Financial Ltd. Free Cashflow
Year Free Cashflow Growth
2003 -5.500.000
2004 -6.370.000 13.66%
2005 26.222.000 124.29%
2006 65.369.000 59.89%
2007 79.189.000 17.45%
2008 107.819.000 26.55%
2009 -35.526.000 403.49%
2010 110.802.000 132.06%
2011 113.541.000 2.41%
2012 92.519.000 -22.72%
2013 68.364.000 -35.33%
2014 135.684.000 49.62%
2015 179.455.000 24.39%
2016 160.461.000 -11.84%
2017 171.839.000 6.62%
2018 207.047.000 17%
2019 145.984.000 -41.83%
2020 93.400.000 -56.3%
2021 117.900.001 20.78%
2022 -62.400.000 288.94%
2023 4.200.000 1585.71%
2024 33.700.000 87.54%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Insignia Financial Ltd. Operating Cashflow
Year Operating Cashflow Growth
2003 0
2004 2.407.000 100%
2005 30.679.000 92.15%
2006 67.960.000 54.86%
2007 81.323.000 16.43%
2008 111.602.000 27.13%
2009 -34.266.000 425.69%
2010 117.298.000 129.21%
2011 122.197.000 4.01%
2012 102.954.000 -18.69%
2013 80.350.000 -28.13%
2014 139.086.000 42.23%
2015 186.345.000 25.36%
2016 168.851.000 -10.36%
2017 179.279.000 5.82%
2018 216.388.000 17.15%
2019 172.183.000 -25.67%
2020 114.700.000 -50.12%
2021 134.300.000 14.59%
2022 -15.200.000 983.55%
2023 23.700.000 164.14%
2024 34.100.000 30.5%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Insignia Financial Ltd. Capital Expenditure
Year Capital Expenditure Growth
2003 5.500.000
2004 8.777.000 37.34%
2005 4.457.000 -96.93%
2006 2.591.000 -72.02%
2007 2.134.000 -21.42%
2008 3.783.000 43.59%
2009 1.260.000 -200.24%
2010 6.496.000 80.6%
2011 8.656.000 24.95%
2012 10.435.000 17.05%
2013 11.986.000 12.94%
2014 3.402.000 -252.32%
2015 6.890.000 50.62%
2016 8.390.000 17.88%
2017 7.440.000 -12.77%
2018 9.341.000 20.35%
2019 26.199.000 64.35%
2020 21.300.000 -23%
2021 16.399.999 -29.88%
2022 47.200.000 65.25%
2023 19.500.000 -142.05%
2024 400.000 -4775%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Insignia Financial Ltd. Equity
Year Equity Growth
2003 164.378.000
2004 248.704.000 33.91%
2005 302.641.000 17.82%
2006 189.022.000 -60.11%
2007 189.905.000 0.46%
2008 232.578.000 18.35%
2009 880.458.000 73.58%
2010 886.954.000 0.73%
2011 901.978.000 1.67%
2012 827.322.000 -9.02%
2013 816.551.000 -1.32%
2014 813.340.000 -0.39%
2015 1.372.258.000 40.73%
2016 1.399.700.000 1.96%
2017 1.360.448.000 -2.89%
2018 1.812.686.999 24.95%
2019 1.656.857.000 -9.41%
2020 1.737.500.000 4.64%
2021 2.493.000.000 30.3%
2022 2.400.900.000 -3.84%
2023 2.329.800.000 -3.05%
2024 2.044.400.000 -13.96%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Insignia Financial Ltd. Assets
Year Assets Growth
2003 207.769.000
2004 309.224.000 32.81%
2005 380.929.000 18.82%
2006 1.585.410.000 75.97%
2007 1.736.720.000 8.71%
2008 1.421.894.000 -22.14%
2009 2.075.369.000 31.49%
2010 2.094.990.000 0.94%
2011 2.057.763.000 -1.81%
2012 1.926.593.000 -6.81%
2013 1.947.120.000 1.05%
2014 2.018.980.000 3.56%
2015 2.803.087.000 27.97%
2016 2.742.818.000 -2.2%
2017 2.750.991.000 0.3%
2018 3.123.702.000 11.93%
2019 3.705.247.000 15.7%
2020 4.514.900.000 17.93%
2021 5.756.500.000 21.57%
2022 5.514.300.000 -4.39%
2023 5.004.800.000 -10.18%
2024 3.799.900.000 -31.71%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Insignia Financial Ltd. Liabilities
Year Liabilities Growth
2003 43.391.000
2004 60.520.000 28.3%
2005 78.288.000 22.7%
2006 1.396.388.000 94.39%
2007 1.546.815.000 9.72%
2008 1.189.316.000 -30.06%
2009 1.194.911.000 0.47%
2010 1.208.036.000 1.09%
2011 1.155.785.000 -4.52%
2012 1.099.271.000 -5.14%
2013 1.130.569.000 2.77%
2014 1.205.640.000 6.23%
2015 1.430.829.000 15.74%
2016 1.343.118.000 -6.53%
2017 1.390.543.000 3.41%
2018 1.311.015.000 -6.07%
2019 2.048.389.999 36%
2020 2.777.400.000 26.25%
2021 3.263.500.000 14.9%
2022 3.113.400.000 -4.82%
2023 2.675.000.000 -16.39%
2024 1.755.500.000 -52.38%

Insignia Financial Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
2.91
Net Income per Share
0.93
Price to Earning Ratio
2.93x
Price To Sales Ratio
0.94x
POCF Ratio
-25.4
PFCF Ratio
-25.11
Price to Book Ratio
0.88
EV to Sales
1.19
EV Over EBITDA
53.25
EV to Operating CashFlow
-32.52
EV to FreeCashFlow
-31.98
Earnings Yield
0.34
FreeCashFlow Yield
-0.04
Market Cap
1,81 Bil.
Enterprise Value
2,31 Bil.
Graham Number
8
Graham NetNet
-1.7

Income Statement Metrics

Net Income per Share
0.93
Income Quality
0.38
ROE
0.29
Return On Assets
0.16
Return On Capital Employed
-0.02
Net Income per EBT
-8.86
EBT Per Ebit
0.75
Ebit per Revenue
-0.05
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.64
Operating Profit Margin
-0.05
Pretax Profit Margin
-0.04
Net Profit Margin
0.32

Dividends

Dividend Yield
0.03
Dividend Yield %
3.43
Payout Ratio
0.17
Dividend Per Share
0.09

Operating Metrics

Operating Cashflow per Share
-0.11
Free CashFlow per Share
-0.11
Capex to Operating CashFlow
-0.02
Capex to Revenue
0
Capex to Depreciation
0.01
Return on Invested Capital
-0.03
Return on Tangible Assets
0.16
Days Sales Outstanding
51.49
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
7.09
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,63
Book Value per Share
3,08
Tangible Book Value per Share
3.08
Shareholders Equity per Share
3.08
Interest Debt per Share
1.22
Debt to Equity
0.4
Debt to Assets
0.21
Net Debt to EBITDA
11.45
Current Ratio
14.2
Tangible Asset Value
2,04 Bil.
Net Current Asset Value
-1,33 Bil.
Invested Capital
501100000
Working Capital
0,39 Bil.
Intangibles to Total Assets
0
Average Receivables
0,30 Bil.
Average Payables
0,09 Bil.
Average Inventory
-147500000
Debt to Market Cap
0.45

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Insignia Financial Ltd. Dividends
Year Dividends Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Insignia Financial Ltd. Profile

About Insignia Financial Ltd.

Insignia Financial Ltd. provides financial advice, platforms, and asset management services in Australia. The company offers financial services solutions on superannuation and investments to clients including investors, members, employers, and advisers. It also provides financial advisory, various financial products and services, and investment management services on behalf of institutional, retail, and direct clients. The company was formerly known as IOOF Holdings Ltd. and changed its name to Insignia Financial Ltd. in December 2021. Insignia Financial Ltd. was founded in 1846 and is based in Docklands, Australia.

CEO
Mr. Scott Hartley B.B.A.
Employee
1.300
Address
800 Bourke Street
Docklands, 3008

Insignia Financial Ltd. Executives & BODs

Insignia Financial Ltd. Executives & BODs
# Name Age
1 Mr. David Chalmers
Chief Financial Officer
70
2 Ms. Melissa Walls
Chief People Officer
70
3 Mr. Scott Hartley B.B.A.
Chief Executive Officer & Director
70
4 Mr. Frank Lombardo
Acting Chief Technology Officer
70
5 Mr. Garry Mulcahy
Chief Executive Officer of MLC Asset Management
70
6 Mr. Lawrence Hastings
Chief Legal Officer
70
7 Mr. Anvij Saxena
Chief Risk Officer
70
8 Mr. Jason Sommer
Chief Operating Officer
70
9 Mr. Geoff Kellett
Chief Executive Officer of Financial Services Partners
70
10 Mr. Martin Breckon
Head of Technical Services
70

Insignia Financial Ltd. Competitors