Liberty Financial Group (ASX:LFG) Debt-to-EBITDA : 10.96 (As of Dec. 2024)

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What is Liberty Financial Group Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Liberty Financial Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was A$14,851 Mil. Liberty Financial Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was A$5 Mil. Liberty Financial Group's annualized EBITDA for the quarter that ended in Dec. 2024 was A$1,355 Mil. Liberty Financial Group's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 was 10.96.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Liberty Financial Group's Debt-to-EBITDA or its related term are showing as below:

ASX:LFG' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 11.3 Med: 15.48 Max: 17.77
Current: 11.3

During the past 5 years, the highest Debt-to-EBITDA Ratio of Liberty Financial Group was 17.77. The lowest was 11.30. And the median was 15.48.

ASX:LFG's Debt-to-EBITDA is ranked worse than
57.93% of 271 companies
in the Credit Services industry
Industry Median: 8.45 vs ASX:LFG: 11.30

Liberty Financial Group Debt-to-EBITDA Historical Data

The historical data trend for Liberty Financial Group's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Liberty Financial Group Debt-to-EBITDA Chart

Liberty Financial Group Annual Data

Trend

Jun20

Jun21

Jun22

Jun23

Jun24

Debt-to-EBITDA

N/A

17.77

17.52

13.43

11.60

Liberty Financial Group Semi-Annual Data
	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24
Debt-to-EBITDA	Get a 7-Day Free Trial					13.05	12.82	11.40	11.49	10.96

Competitive Comparison of Liberty Financial Group's Debt-to-EBITDA

For the Credit Services subindustry, Liberty Financial Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Liberty Financial Group's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Liberty Financial Group's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Liberty Financial Group's Debt-to-EBITDA falls into.

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Liberty Financial Group Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Liberty Financial Group's Debt-to-EBITDA for the fiscal year that ended in Jun. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(3729.974	+	10904.034)	/	1261.274
	=	11.60

Liberty Financial Group's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(14851.114	+	5.203)	/	1355.496
	=	10.96

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is two times the quarterly (Dec. 2024) EBITDA data.

Liberty Financial Group (ASX:LFG) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Liberty Financial Group Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Liberty Financial Group's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

Liberty Financial Group Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Liberty Financial Group Ltd (ASX:LFG) » Definitions » Debt-to-EBITDA

Comparable Companies

Traded in Other Exchanges

N/A

Address

535 Bourke Street, Level 16, Melbourne, VIC, AUS, 3000

Website

https://www.liberty.com.au

Founded in 1997, Liberty Financial Group is a nonbank lender operating in Australia and New Zealand. Unlike banks, nonbanks are unable to take customer deposits, a privilege exclusive to Authorized deposit-taking institutions, or ADIs. Liberty operates three business segments: residential, secured finance, and financial services. Mortgages make up about 55% of the loan book, with a focus on higher-risk borrowers. Secured finance makes up 40% of loans, including motor finance, commercial property loans, and self-managed superannuation fund, or SMSF, loans. The financial services division includes unsecured personal and small and midsize business loans, mortgage broking, and distribution of general and life insurance.