MA Financial Group Limited
MA Financial Group Limited Fundamental Analysis
MA Financial Group Limited (MAF.AX) shows weak financial fundamentals with a PE ratio of 122.08, profit margin of 0.66%, and ROE of 2.39%. The company generates $1.6B in annual revenue with strong year-over-year growth of 38.20%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -6.7/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze MAF.AX's fundamental strength across five key dimensions:
Efficiency Score
WeakMAF.AX struggles to generate sufficient returns from assets.
Valuation Score
ModerateMAF.AX shows balanced valuation metrics.
Growth Score
ExcellentMAF.AX delivers strong and consistent growth momentum.
Financial Health Score
ModerateMAF.AX shows balanced financial health with some risks.
Profitability Score
WeakMAF.AX struggles to sustain strong margins.
Key Financial Metrics
Is MAF.AX Expensive or Cheap?
P/E Ratio
MAF.AX trades at 122.08 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, MAF.AX's PEG of -1.68 indicates potential undervaluation.
Price to Book
The market values MA Financial Group Limited at 2.74 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -13.94 times EBITDA. This is generally considered low.
How Well Does MAF.AX Make Money?
Net Profit Margin
For every $100 in sales, MA Financial Group Limited keeps $0.66 as profit after all expenses.
Operating Margin
Core operations generate 48.75 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.39 in profit for every $100 of shareholder equity.
ROA
MA Financial Group Limited generates $0.09 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
MA Financial Group Limited generates limited operating cash flow of $-4.62B, signaling weaker underlying cash strength.
Free Cash Flow
MA Financial Group Limited generates weak or negative free cash flow of $-4.63B, restricting financial flexibility.
FCF Per Share
Each share generates $-26.39 in free cash annually.
FCF Yield
MAF.AX converts -3.65% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
122.08
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.68
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.74
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.80
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
19.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.52
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.02
vs 25 benchmark
ROA
Return on assets percentage
0.001
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How MAF.AX Stacks Against Its Sector Peers
| Metric | MAF.AX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 122.08 | 18.89 | Worse (Expensive) |
| ROE | 2.39% | 818.00% | Weak |
| Net Margin | 0.66% | 2473.00% | Weak |
| Debt/Equity | 19.22 | 0.94 | Weak (High Leverage) |
| Current Ratio | 4.52 | 692.63 | Strong Liquidity |
| ROA | 0.09% | -24053.00% (disorted) | Weak |
MAF.AX outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews MA Financial Group Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
758.80%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
77.21%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-106.89%
Industry Style: Value, Dividend, Cyclical
Declining