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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Liberty Financial Group's Enterprise Value is A$116.5 Mil.
Liberty Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$259.7 Mil. Therefore, Liberty Financial Group's EV-to-FCF for today is 0.45.
The historical rank and industry rank for Liberty Financial Group's EV-to-FCF or its related term are showing as below:
ASX:LFG'
s EV-to-FCF Range Over the Past 10 Years
Min: -190.06 Med: -15.95 Max: 127.55
Current: 0.45
During the past 6 years, the highest EV-to-FCF of Liberty Financial Group was 127.55. The lowest was -190.06. And the median was -15.95.
ASX:LFG's EV-to-FCF is ranked better than 94.4% of 268
companies
in the Credit Services industry
Industry Median: 13.84
vs ASX:LFG: 0.45
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Liberty Financial Group (ASX:LFG) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Liberty Financial Group's PE Ratio (TTM) for today is calculated as:
Liberty Financial Group's share price for today is A$3.20.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Liberty Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.449.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Credit Services subindustry, Liberty Financial Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Liberty Financial Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Liberty Financial Group's EV-to-FCF falls into.
Liberty Financial Group's current Enterprise Value is A$116.5 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Liberty Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$259.7 Mil.
* 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.
Liberty Financial Group (ASX:LFG) has a EV-to-FCF of 0.45 as of Aug. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Liberty Financial Group and its competitors. According to the industry distribution chart, Liberty Financial Group ranks #15 out of 268 companies in the Credit Services industry, placing it in the top 5.6%.
Is Liberty Financial Group's EV-to-FCF too high?
Liberty Financial Group's current EV-to-FCF is 0.45. The Credit Services industry median EV-to-FCF is 13.84. Liberty Financial Group's value of 0.45 is 96.7% below this industry median. Based on the distribution chart, Liberty Financial Group ranks #15 out of 268 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Liberty Financial Group has a GF Score™ of 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Liberty Financial Group's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Liberty Financial Group ranks #15 out of 268 companies for EV-to-FCF. This places Liberty Financial Group in the top 6% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.84. Liberty Financial Group's value of 0.45 is 96.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.84, based on 268 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liberty Financial Group's current EV-to-FCF of 0.45 is 96.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Liberty Financial Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Financial Group's current EV-to-FCF is 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liberty Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Liberty Financial Group (ASX:LFG) is currently considered Significantly Undervalued. The stock's GF Value™ is A$5.75, compared to a current price of A$3.20 — trading 44.3% below its estimated fair value. The current EV-to-FCF is 0.45 and 96.7% below the Credit Services industry median of 13.84. Liberty Financial Group's overall GF Score™ is 52/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Liberty Financial Group (ASX:LFG), the current EV-to-FCF is 0.45 as of Aug. 03, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Liberty Financial Group (ASX:LFG) Overvalued in 2026?
Based on GuruFocus' analysis, Liberty Financial Group stock appears to be undervalued.
The current stock price of A$3.20 is trading 44.3% below its estimated GF Value™ of A$5.75.
GuruFocus considers Liberty Financial Group to be Significantly Undervalued.
Key valuation signals for ASX:LFG:
EV-to-FCF: 0.45
GF Value™: A$5.75 vs. price of A$3.20 (44.3% below fair value)
Industry Position: 96.7% below the Credit Services median (#15 of 268)
No single metric tells the full story. See the ASX:LFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 52% of the loan book, with a focus on higher-risk borrowers. Secured finance makes up 41% of loans, including motor finance, commercial property loans, and self-managed superannuation fund loans. The financial services division includes unsecured personal and small and midsize business loans, mortgage broking, and distribution of general and life insurance.
52GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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