Resimac Group Limited Logo

Resimac Group Limited

RMC.AX

(2.5)
Stock Price

0,86 AUD

2.78% ROA

101.02% ROE

0.83x PER

Market Cap.

347.710.290,00 AUD

3465.29% DER

8.05% Yield

72.07% NPM

Resimac Group Limited Stock Analysis

Resimac Group Limited 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.

Resimac Group Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (29.22%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.95x) suggests it's undervalued, making it an attractive opportunity for investors.

3 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

4 ROA

The stock's ROA (0.61%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Assets Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (2) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The stock is burdened with a heavy load of debt (4311%), making it financially unstable and potentially risky for investors.

9 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

10 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

11 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

Resimac Group Limited 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.

Resimac Group Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Resimac Group Limited 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.

Resimac Group Limited Revenue
Year Revenue Growth
1999 0
2000 49.901.000 100%
2001 -248.000 20221.37%
2002 -296.000 16.22%
2003 -18.105.000 98.37%
2004 19.112.000 194.73%
2005 -16.679.000 214.59%
2006 6.518.000 355.89%
2007 6.982.000 6.65%
2008 13.999.000 50.13%
2009 22.135.000 36.76%
2010 20.350.000 -8.77%
2011 33.717.000 39.64%
2012 32.515.000 -3.7%
2013 33.224.000 2.13%
2014 -20.630.000 261.05%
2015 -21.989.000 6.18%
2016 -5.169.000 -325.4%
2017 117.657.000 104.39%
2018 130.609.000 9.92%
2019 144.219.000 9.44%
2020 466.302.000 69.07%
2020 472.483.000 1.31%
2021 478.684.000 1.3%
2022 501.353.000 4.52%
2023 213.297.000 -135.05%
2024 1.992.144.000 89.29%

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.

Resimac Group Limited Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 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.

Resimac Group Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 9.575.000 100%
2001 3.022.283 -216.81%
2002 12.295.356 75.42%
2003 12.921.000 4.84%
2004 13.666.000 5.45%
2005 12.511.000 -9.23%
2006 12.328.000 -1.48%
2007 11.934.000 -3.3%
2008 13.473.000 11.42%
2009 14.953.000 9.9%
2010 15.206.000 1.66%
2011 15.899.000 4.36%
2012 15.252.000 -4.24%
2013 13.791.000 -10.59%
2014 13.334.000 -3.43%
2015 12.151.000 -9.74%
2016 12.507.000 2.85%
2017 36.677.000 65.9%
2018 37.473.000 2.12%
2019 37.658.000 0.49%
2020 37.281.000 -1.01%
2020 35.886.000 -3.89%
2021 37.489.000 4.28%
2022 45.267.000 17.18%
2023 52.380.000 13.58%
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.

Resimac Group Limited EBITDA
Year EBITDA Growth
1999 2.944.000
2000 -20.298.000 114.5%
2001 2.539.000 899.45%
2002 6.746.000 62.36%
2003 7.686.000 12.23%
2004 4.395.000 -74.88%
2005 3.910.000 -12.4%
2006 40.452.000 90.33%
2007 54.971.000 26.41%
2008 61.569.000 10.72%
2009 70.587.000 12.78%
2010 46.118.000 -53.06%
2011 40.663.000 -13.42%
2012 33.153.000 -22.65%
2013 25.947.000 -27.77%
2014 19.896.000 -30.41%
2015 18.417.000 -8.03%
2016 17.088.000 -7.78%
2017 -12.000 142500%
2018 -12.000 0%
2019 13.104.000 100.09%
2020 353.194.000 96.29%
2020 374.612.000 5.72%
2021 381.641.000 1.84%
2022 409.157.000 6.73%
2023 779.114.000 47.48%
2024 25.128.000 -3000.58%

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.

Resimac Group Limited Gross Profit
Year Gross Profit Growth
1999 0
2000 49.901.000 100%
2001 10.998.952 -353.69%
2002 33.729.000 67.39%
2003 36.865.000 8.51%
2004 19.112.000 -92.89%
2005 36.559.000 47.72%
2006 13.833.000 -164.29%
2007 14.726.000 6.06%
2008 13.385.000 -10.02%
2009 9.220.000 -45.17%
2010 10.716.000 13.96%
2011 12.075.000 11.25%
2012 10.748.000 -12.35%
2013 12.351.000 12.98%
2014 52.884.000 76.65%
2015 56.382.000 6.2%
2016 40.082.000 -40.67%
2017 72.530.000 44.74%
2018 94.492.000 23.24%
2019 109.920.000 14.04%
2020 466.302.000 76.43%
2020 432.132.000 -7.91%
2021 439.299.000 1.63%
2022 457.590.000 4%
2023 213.297.000 -114.53%
2024 2.000.471.996 89.34%

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.

Resimac Group Limited Net Profit
Year Net Profit Growth
1999 1.149.000
2000 2.557.000 55.06%
2001 1.947.148 -31.32%
2002 4.670.938 58.31%
2003 -20.226.000 123.09%
2004 1.064.961 1999.22%
2005 1.388.000 23.27%
2006 2.597.000 46.55%
2007 2.390.000 -8.66%
2008 -12.511.000 119.1%
2009 7.166.000 274.59%
2010 12.253.000 41.52%
2011 9.162.000 -33.74%
2012 8.110.000 -12.97%
2013 7.736.000 -4.83%
2014 6.205.000 -24.67%
2015 5.608.000 -10.65%
2016 5.253.000 -6.76%
2017 15.768.000 66.69%
2018 25.320.000 37.73%
2019 47.185.000 46.34%
2020 55.908.000 15.6%
2020 55.908.000 0%
2021 107.557.000 48.02%
2022 102.147.000 -5.3%
2023 66.446.000 -53.73%
2024 1.598.668.000 95.84%

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.

Resimac Group Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 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 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.

Resimac Group Limited Free Cashflow
Year Free Cashflow Growth
2001 -1.928.346
2002 133.792 1541.3%
2003 -761.000 117.58%
2004 281.994 369.86%
2005 4.001.000 92.95%
2006 8.781.000 54.44%
2007 8.795.000 0.16%
2008 2.023.000 -334.75%
2009 14.900.000 86.42%
2010 2.863.000 -420.43%
2011 3.853.000 25.69%
2012 6.366.000 39.48%
2013 3.213.000 -98.13%
2014 5.361.000 40.07%
2015 3.730.000 -43.73%
2016 5.579.000 33.14%
2017 -1.206.880.000 100.46%
2018 -1.946.759.000 38.01%
2019 -1.690.874.000 -15.13%
2020 -3.484.148.000 51.47%
2021 -1.447.661.000 -140.67%
2022 -1.585.167.000 8.67%
2023 2.020.972.000 178.44%
2024 -539.231.000 474.79%

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.

Resimac Group Limited Operating Cashflow
Year Operating Cashflow Growth
2001 -1.614.346
2002 399.792 503.8%
2003 0 0%
2004 1.999.994 100%
2005 4.167.000 52%
2006 8.980.000 53.6%
2007 9.090.000 1.21%
2008 2.237.000 -306.35%
2009 14.996.000 85.08%
2010 3.071.000 -388.31%
2011 4.152.000 26.04%
2012 6.549.000 36.6%
2013 3.464.000 -89.06%
2014 6.020.000 42.46%
2015 3.902.000 -54.28%
2016 5.870.000 33.53%
2017 -1.206.478.000 100.49%
2018 -1.944.587.000 37.96%
2019 -1.688.418.000 -15.17%
2020 -3.483.869.000 51.54%
2021 -1.447.461.000 -140.69%
2022 -1.584.634.000 8.66%
2023 2.021.148.000 178.4%
2024 -539.163.000 474.87%

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.

Resimac Group Limited Capital Expenditure
Year Capital Expenditure Growth
2001 314.000
2002 266.000 -18.05%
2003 761.000 65.05%
2004 1.718.000 55.7%
2005 166.000 -934.94%
2006 199.000 16.58%
2007 295.000 32.54%
2008 214.000 -37.85%
2009 96.000 -122.92%
2010 208.000 53.85%
2011 299.000 30.43%
2012 183.000 -63.39%
2013 251.000 27.09%
2014 659.000 61.91%
2015 172.000 -283.14%
2016 291.000 40.89%
2017 402.000 27.61%
2018 2.172.000 81.49%
2019 2.456.000 11.56%
2020 279.000 -780.29%
2021 200.000 -39.5%
2022 533.000 62.48%
2023 176.000 -202.84%
2024 68.000 -158.82%

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.

Resimac Group Limited Equity
Year Equity Growth
1999 0
2000 33.660.000 100%
2001 34.956.000 3.71%
2002 54.279.487 35.6%
2003 31.138.957 -74.31%
2004 36.783.711 15.35%
2005 37.668.000 2.35%
2006 32.200.000 -16.98%
2007 76.668.000 58%
2008 60.015.000 -27.75%
2009 65.090.000 7.8%
2010 69.223.000 5.97%
2011 38.467.000 -79.95%
2012 41.922.000 8.24%
2013 42.818.000 2.09%
2014 41.537.000 -3.08%
2015 43.381.000 4.25%
2016 44.716.000 2.99%
2017 141.208.000 68.33%
2018 162.725.000 13.22%
2019 196.124.000 17.03%
2020 241.686.000 18.85%
2021 321.139.000 24.74%
2022 378.068.000 15.06%
2023 415.383.000 8.98%
2024 416.361.000 0.23%

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.

Resimac Group Limited Assets
Year Assets Growth
1999 0
2000 39.078.593 100%
2001 46.912.117 16.7%
2002 76.695.439 38.83%
2003 56.896.806 -34.8%
2004 63.992.986 11.09%
2005 64.304.000 0.48%
2006 761.280.000 91.55%
2007 939.434.000 18.96%
2008 1.060.439.000 11.41%
2009 791.347.000 -34%
2010 600.884.000 -31.7%
2011 448.055.000 -34.11%
2012 374.223.000 -19.73%
2013 304.433.000 -22.92%
2014 288.535.000 -5.51%
2015 295.687.000 2.42%
2016 280.898.000 -5.26%
2017 6.934.772.000 95.95%
2018 8.968.950.000 22.68%
2019 10.716.457.000 16.31%
2020 13.026.691.000 17.73%
2021 14.634.034.000 10.98%
2022 16.737.171.999 12.57%
2023 14.942.038.000 -12.01%
2024 15.094.705.000 1.01%

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.

Resimac Group Limited Liabilities
Year Liabilities Growth
1999 0
2000 5.418.593 100%
2001 11.956.117 54.68%
2002 22.415.952 46.66%
2003 25.757.849 12.97%
2004 27.209.275 5.33%
2005 26.636.000 -2.15%
2006 729.080.000 96.35%
2007 862.766.000 15.5%
2008 1.000.424.000 13.76%
2009 726.257.000 -37.75%
2010 531.661.000 -36.6%
2011 409.588.000 -29.8%
2012 332.301.000 -23.26%
2013 261.675.000 -26.99%
2014 246.998.000 -5.94%
2015 252.296.000 2.1%
2016 236.179.000 -6.82%
2017 6.793.564.000 96.52%
2018 8.806.225.000 22.85%
2019 10.520.333.000 16.29%
2020 12.785.005.000 17.71%
2021 14.312.895.000 10.67%
2022 16.359.104.000 12.51%
2023 14.526.655.000 -12.61%
2024 14.678.344.000 1.03%

Resimac Group Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
1.46
Net Income per Share
1.05
Price to Earning Ratio
0.83x
Price To Sales Ratio
0.6x
POCF Ratio
-3.24
PFCF Ratio
-3.24
Price to Book Ratio
0.84
EV to Sales
23.86
EV Over EBITDA
907.29
EV to Operating CashFlow
-129.68
EV to FreeCashFlow
-129.6
Earnings Yield
1.21
FreeCashFlow Yield
-0.31
Market Cap
0,35 Bil.
Enterprise Value
13,90 Bil.
Graham Number
4.96
Graham NetNet
-34.51

Income Statement Metrics

Net Income per Share
1.05
Income Quality
-3.1
ROE
1.01
Return On Assets
0.03
Return On Capital Employed
0
Net Income per EBT
14.28
EBT Per Ebit
0.67
Ebit per Revenue
0.08
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.08
Pretax Profit Margin
0.05
Net Profit Margin
0.72

Dividends

Dividend Yield
0.08
Dividend Yield %
8.05
Payout Ratio
0.07
Dividend Per Share
0.07

Operating Metrics

Operating Cashflow per Share
-0.27
Free CashFlow per Share
-0.27
Capex to Operating CashFlow
-0
Capex to Revenue
0
Capex to Depreciation
0.03
Return on Invested Capital
0
Return on Tangible Assets
0.03
Days Sales Outstanding
11.43
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
31.93
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
2,18
Book Value per Share
1,04
Tangible Book Value per Share
1.04
Shareholders Equity per Share
1.04
Interest Debt per Share
36.07
Debt to Equity
34.65
Debt to Assets
0.96
Net Debt to EBITDA
884.59
Current Ratio
0.2
Tangible Asset Value
0,42 Bil.
Net Current Asset Value
-13,81 Bil.
Invested Capital
-3449137000
Working Capital
-3,46 Bil.
Intangibles to Total Assets
0
Average Receivables
0,02 Bil.
Average Payables
-2,53 Bil.
Average Inventory
0
Debt to Market Cap
41.46

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.

Resimac Group Limited Dividends
Year Dividends Growth
2001 0
2002 0 0%
2003 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%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Resimac Group Limited Profile

About Resimac Group Limited

Resimac Group Limited, a non-bank financial institution, provides residential mortgage and asset finance lending solutions in Australia and New Zealand. The company operates in two segments, Australian Lending Business and New Zealand Lending Business. It offers prime and specialist lending products; SME/commercial finance products; and home and car loans. The company also provides mortgage originator, trustee, lender, manager, and broker services; and LMI captive insurer and record lending services. In addition, it acts as a trust manager and servicer; and an issuer of residential mortgage-backed securities. Further, the company provides warehouse mortgages and managed investment trust services. Resimac Group Ltd offers its products and services through brokers, wholesale partners, and direct retail networks, as well as direct-to-consumer channel primarily under the Resimac, Resimac Asset Finance, and homeloans.com.au 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.

CEO
Ms. Susan Wood-Hansen B.Com.,
Employee
250
Address
45 Clarence Street
Sydney, 2000

Resimac Group Limited Executives & BODs

Resimac Group Limited Executives & BODs
# Name Age
1 Mr. Kym Carter
Head of Human Resources
70
2 Mr. Peter Fitzpatrick
Company Secretary
70
3 James Spurway
Chief Financial Officer
70
4 Mr. Peter Lirantzis
Chief Strategy & Innovation Officer
70
5 Andrew Marsden
Chief Treasury Officer
70
6 Majid Muhammad
Chief Information Officer
70
7 Ms. Susan Wood-Hansen B.Com., C.A., M.B.A.
Interim Chief Executive Officer & Executive Director
70

Resimac Group Limited Competitors