Challenger's core business is selling annuity products in the Australian retirement market and, since November 2016, selling Australian dollar-denominated annuities into Japan's large retirement market. The firm's annuity products provide investors guaranteed regular payments over an agreed term for an upfront lump sum investment and is designed primarily to protect investors from the longevity risk of outliving their savings. Challenger also operates a funds management business, Fidante Partners, which has minority stakes in several boutique global investment managers, and Challenger Investment Management, which primarily manages investments supporting its annuities business.

Financial Strength

3/10

Name	Current	Vs Industry
Cash-To-Debt	2.57
Equity-to-Asset	0.12
Debt-to-Equity	1.81
Debt-to-EBITDA	6.44
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.07	Distress Grey Safe
Beneish M-Score	-2.64	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-27.6
	3-Year EPS without NRI Growth Rate	-0.4
	3-Year FCF Growth Rate	28.8
	3-Year Book Growth Rate	7.5
	Future 3-5Y EPS without NRI Growth Rate	19.6
	Future 3-5Y Total Revenue Growth Rate	6.9

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	9-Day RSI	74.46
	14-Day RSI	64.64
	12-1 Month Momentum %	2.37

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	2.24
	Quick Ratio	2.24
	Cash Ratio	2.02
	Days Sales Outstanding	940.97

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Dividend Growth Rate	-12.8
	3-Year Average Share Buyback Ratio	-1
	Shareholder Yield %	-10.64

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Operating Margin %	-461.53
	Net Margin %	77.69
	FCF Margin %	171.25
	ROE %	5.48
	ROA %	0.7
	ROIC %	-4.43
	ROC (Joel Greenblatt) %	2183.27
	ROCE %	4.79
	Years of Profitability over Past 10-Year	9

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	23.09
	Forward PE Ratio	9.52
	PE Ratio without NRI	22.54
	Shiller PE Ratio	13.95
	Price-to-Owner-Earnings	17.83
	PS Ratio	14.24
	PB Ratio	1.17
	Price-to-Tangible-Book	1.37
	Price-to-Free-Cash-Flow	10.23
	Price-to-Operating-Cash-Flow	10.11
	EV-to-EBIT	-6.03
	EV-to-EBITDA	-5.96
	EV-to-Revenue	-22.96
	EV-to-Forward-Revenue	10.48
	EV-to-FCF	-13.47
	Price-to-Projected-FCF	0.28
	Price-to-Median-PS-Value	1.88
	Price-to-Graham-Number	1.17
	Earnings Yield (Greenblatt) %	-16.58
	FCF Yield %	10.56
	Forward Rate of Return (Yacktman) %	25.29

GF Value: $27.34

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