Plenti GroupASX:PLT -3.75%55 Piotroski F-Score is 5 as of Jun. 27, 2026, which is at its 10-year median of 5.00. GuruFocus rates ASX:PLT with a GF Score™ of 55/100 and a GF Value™ of A$1.09 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 532 Credit Services companies, Plenti Group ranks better than 64.47% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Plenti Group has an F-score of 5 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Plenti Group's Piotroski F-Score or its related term are showing as below:
ASX:PLT'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 5 Max: 5
Current: 5
During the past 6 years, the highest Piotroski F-Score of Plenti Group was 5. The lowest was 3. And the median was 5.
Plenti Group (ASX:PLT) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Plenti Group Piotroski F-Score Related Terms
Plenti Group Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Plenti Group's Piotroski F-Score 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.
ASX:PLT vs V, MA, AXP: Piotroski F-Score Comparison
For the Credit Services subindustry, Plenti Group's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Plenti Group Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Plenti Group's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Plenti Group's Piotroski F-Score falls into.
* 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Plenti Group's current Net Income (TTM) was 14.3.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Plenti Group's return on assets of this year was 0.00633224. Plenti Group's return on assets of last year was -0.00769969.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Plenti Group's gearing of this year was 1.11063842. Plenti Group's gearing of last year was 1.04956053.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Plenti Group's current ratio of this year was 40.12417679. Plenti Group's current ratio of last year was 52.95744281.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Plenti Group's number of shares in issue this year was 189.934. Plenti Group's number of shares in issue last year was 172.379.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Plenti Group's gross margin of this year was 1. Plenti Group's gross margin of last year was 1.
==> Last year's gross margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Plenti Group's asset turnover of this year was 0.135231. Plenti Group's asset turnover of last year was 0.10845316.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
1
+
1
+
1
+
0
+
0
+
0
+
0
+
1
=
5
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Plenti Group has an F-score of 5 indicating the company's financial situation is typical for a stable company.
Plenti Group (ASX:PLT) has a Piotroski F-Score of 5 as of Jun. 27, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Plenti Group and its competitors. This is near median its historical median of 5.00. Over the past decade, Plenti Group's Piotroski F-Score has ranged from 3.00 to 5.00. According to the industry distribution chart, Plenti Group ranks #189 out of 532 companies in the Credit Services industry, placing it in the top 35.5%.
Is Plenti Group's Piotroski F-Score too high?
Plenti Group's current Piotroski F-Score of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 5.00. The Credit Services industry median Piotroski F-Score is 5.00. Plenti Group's value of 5 is 0% at this industry median. Based on the distribution chart, Plenti Group ranks #189 out of 532 companies in the Credit Services industry, which is above the industry midpoint. Overall, Plenti Group has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Plenti Group's Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, Plenti Group ranks #189 out of 532 companies for Piotroski F-Score. This puts Plenti Group in the upper half of its industry. The industry median Piotroski F-Score is 5.00. Plenti Group's value of 5 is 0% at this benchmark. Historically, Plenti Group's own Piotroski F-Score has ranged from 3.00 to 5.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 5.00, Plenti Group has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 532 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Plenti Group's current Piotroski F-Score of 5 is 0% at 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Plenti Group and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plenti Group's current Piotroski F-Score is 5, which is near median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plenti Group stock overvalued right now?
Based on GuruFocus' analysis, Plenti Group (ASX:PLT) is currently considered Modestly Undervalued. The stock's GF Value™ is A$1.09, compared to a current price of A$0.77 — trading 29.4% below its estimated fair value. The current Piotroski F-Score is 5, which is near median its 10-year median of 5.00 and 0% at the Credit Services industry median of 5.00. Plenti Group's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Plenti Group (ASX:PLT), the current Piotroski F-Score is 5 as of Jun. 27, 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 Plenti Group (ASX:PLT) Overvalued in 2026?
Based on GuruFocus' analysis, Plenti Group stock appears to be undervalued.
The current stock price of A$0.77 is trading 29.4% below its estimated GF Value™ of A$1.09.
GuruFocus considers Plenti Group to be Modestly Undervalued.
Key valuation signals for ASX:PLT:
Piotroski F-Score: 5 (near median its 10-year median of 5.00)
GF Value™: A$1.09 vs. price of A$0.77 (29.4% below fair value)
Industry Position: 0% at the Credit Services median (#189 of 532)
No single metric tells the full story. See the ASX:PLT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plenti Group Ltd is a fintech lender to prime consumer and commercial borrowers. Its operations consist mainly of the provision of financial services in Australia. The company has single operating segment. The company offers offer award-winning automotive, renewable energy and personal loans, delivered by its proprietary technology, to help creditworthy borrowers bring their ideas to life. The company's loan types are Personal Loans, Debt Consolidation Loans, Renovation Loans, Car Loans, EV Loans, Holiday Loans, Medical Loans, Wedding Loans, Motorbike Loans, Moving Cost Loans, Boat Loans, Legal Fee Loans, Solar and Battery Loans, and Caravan Loans.
55GF Score
Get the complete analysis for ASX:PLT
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:PLT has been successfully added to your 
