Plenti Group (ASX:PLT) Beneish M-Score: 0.00 (As of Jun. 24, 2026)


ASX:PLT Plenti Group Ltd ASX:PLT
55 GF Score
Price A$0.83
GF Value A$1.09
Valuation Modestly Undervalued
! 5 Warning Signs
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What is Plenti Group Beneish M-Score?

Plenti Group ASX:PLT +2.47% 55 Beneish M-Score is 0.00 as of Jun. 24, 2026. 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 483 Credit Services companies, Plenti Group ranks worse than 207039.13% on this metric.

The zones of discrimination for M-Score is as such:

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator.
An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

The historical rank and industry rank for Plenti Group's Beneish M-Score or its related term are showing as below:

During the past 6 years, the highest Beneish M-Score of Plenti Group was -1.63. The lowest was -2.53. And the median was -2.08.

Plenti Group Beneish M-Score Historical Data

* Premium members only.

The historical data trend for Plenti Group's Beneish M-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.

Plenti Group Beneish M-Score Chart

Plenti Group Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar26
Beneish M-Score
Get a 7-Day Free Trial 0.00 -1.63 -2.53 0.00 0.00

Plenti Group Semi-Annual Data
Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Sep25 Mar26
Beneish M-Score Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

ASX:PLT vs V, MA, AXP: Beneish M-Score Comparison

For the Credit Services subindustry, Plenti Group's Beneish M-Score, along with its competitors' market caps and Beneish M-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 Beneish M-Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Plenti Group's Beneish M-Score distribution charts can be found below:

* The bar in red indicates where Plenti Group's Beneish M-Score falls into.


ASX:PLT
55GF Score
Plenti Group Ltd ASX:PLT
Beneish M-Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Plenti Group Beneish M-Score Calculation

The M-score was created by Professor Messod Beneish. Instead of measuring the bankruptcy risk (Altman Z-Score) or business trend (Piotroski F-Score), M-score can be used to detect the risk of earnings manipulation. This is the original research paper on M-score.

The M-Score Variables:

The M-score of Plenti Group for today is based on a combination of the following eight different indices:

M=-4.84+0.92 * DSRI+0.528 * GMI+0.404 * AQI+0.892 * SGI+0.115 * DEPI
=-4.84+0.92 * +0.528 * +0.404 * +0.892 * +0.115 *
-0.172 * SGAI+4.679 * TATA-0.327 * LVGI
-0.172 * +4.679 * -0.327 *
=

* 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.

This Year (Mar26) TTM:Last Year (Mar24) TTM:
Total Receivables was A$2,889.8 Mil.
Revenue was A$305.4 Mil.
Gross Profit was A$305.4 Mil.
Total Current Assets was A$3,204.7 Mil.
Total Assets was A$3,206.0 Mil.
Property, Plant and Equipment(Net PPE) was A$1.3 Mil.
Depreciation, Depletion and Amortization(DDA) was A$1.6 Mil.
Selling, General, & Admin. Expense(SGA) was A$57.9 Mil.
Total Current Liabilities was A$79.9 Mil.
Long-Term Debt & Capital Lease Obligation was A$3,034.6 Mil.
Net Income was A$14.3 Mil.
Gross Profit was A$6.8 Mil.
Cash Flow from Operations was A$49.1 Mil.
 Total Receivables was A$2,064.1 Mil.
Revenue was A$207.2 Mil.
Gross Profit was A$207.2 Mil.
Total Current Assets was A$2,254.8 Mil.
Total Assets was A$2,258.6 Mil.
Property, Plant and Equipment(Net PPE) was A$3.8 Mil.
Depreciation, Depletion and Amortization(DDA) was A$1.5 Mil.
Selling, General, & Admin. Expense(SGA) was A$43.4 Mil.
Total Current Liabilities was A$42.6 Mil.
Long-Term Debt & Capital Lease Obligation was A$2,187.6 Mil.

1. DSRI = Days Sales in Receivables Index

Measured as the ratio of Revenue in Total Receivables in year t to year t-1.

A large increase in DSR could be indicative of revenue inflation.

DSRI=(Receivables_t / Revenue_t) / (Receivables_t-1 / Revenue_t-1)
=(2889.835 / 305.433) / (2064.065 / 207.154)
=9.461437 / 9.963916
=

2. GMI = Gross Margin Index

Measured as the ratio of gross margin in year t-1 to gross margin in year t.

Gross margin has deteriorated when this index is above 1. A firm with poorer prospects is more likely to manipulate earnings.

GMI=GrossMargin_t-1 / GrossMargin_t
=(GrossProfit_t-1 / Revenue_t-1) / (GrossProfit_t / Revenue_t)
=(207.154 / 207.154) / (305.433 / 305.433)
=1 / 1
=

3. AQI = Asset Quality Index

AQI is the ratio of asset quality in year t to year t-1.

Asset quality is measured as the ratio of non-current assets other than Property, Plant and Equipment to Total Assets.

AQI=(1 - (CurrentAssets_t + PPE_t) / TotalAssets_t) / (1 - (CurrentAssets_t-1 + PPE_t-1) / TotalAssets_t-1)
=(1 - (3204.718 + 1.328) / 3206.046) / (1 - (2254.822 + 3.78) / 2258.602)
=0 / -0
=

4. SGI = Sales Growth Index

Ratio of Revenue in year t to sales in year t-1.

Sales growth is not itself a measure of manipulation. However, growth companies are likely to find themselves under pressure to manipulate in order to keep up appearances.

SGI=Sales_t / Sales_t-1
=Revenue_t / Revenue_t-1
=305.433 / 207.154
=

5. DEPI = Depreciation Index

Measured as the ratio of the rate of Depreciation, Depletion and Amortization in year t-1 to the corresponding rate in year t.

DEPI greater than 1 indicates that assets are being depreciated at a slower rate. This suggests that the firm might be revising useful asset life assumptions upwards, or adopting a new method that is income friendly.

DEPI=(Depreciation_t-1 / (Depreciaton_t-1 + PPE_t-1)) / (Depreciation_t / (Depreciaton_t + PPE_t))
=(1.541 / (1.541 + 3.78)) / (1.61 / (1.61 + 1.328))
=0.289607 / 0.547992
=

Note: If the Depreciation, Depletion and Amortization data is not available, we assume that the depreciation rate is constant and set the Depreciation Index to 1.

6. SGAI = Sales, General and Administrative expenses Index

The ratio of Selling, General, & Admin. Expense(SGA) to Sales in year t relative to year t-1.

SGA expenses index > 1 means that the company is becoming less efficient in generate sales.

SGAI=(SGA_t / Sales_t) / (SGA_t-1 /Sales_t-1)
=(57.93 / 305.433) / (43.381 / 207.154)
=0.189665 / 0.209414
=

7. LVGI = Leverage Index

The ratio of total debt to Total Assets in year t relative to yeat t-1.

An LVGI > 1 indicates an increase in leverage

LVGI=((LTD_t + CurrentLiabilities_t) / TotalAssets_t) / ((LTD_t-1 + CurrentLiabilities_t-1) / TotalAssets_t-1)
=((3034.624 + 79.87) / 3206.046) / ((2187.641 + 42.578) / 2258.602)
=0.971444 / 0.987433
=

8. TATA = Total Accruals to Total Assets

Total accruals calculated as the change in working capital accounts other than cash less depreciation.

TATA=(IncomefromContinuingOperations_t - CashFlowsfromOperations_t) / TotalAssets_t
=(NetIncome_t - NonOperatingIncome_t - CashFlowsfromOperations_t) / TotalAssets_t
=(14.302 - 6.846 - 49.101) / 3206.046
=-0.01299

An M-Score of equal or less than -1.78 suggests that the company is unlikely to be a manipulator. An M-Score of greater than -1.78 signals that the company is likely to be a manipulator.

Frequently Asked Questions Learn more about Beneish M-Score →
What does a Beneish M-Score of 0.00 mean?
Plenti Group (ASX:PLT) has a Beneish M-Score of 0.00 as of Jun. 24, 2026. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Plenti Group and its competitors. According to the industry distribution chart, Plenti Group ranks #999999 out of 483 companies in the Credit Services industry.
Is Plenti Group's Beneish M-Score too high?
Plenti Group's current Beneish M-Score is 0.00. Based on the distribution chart, Plenti Group ranks #999999 out of 483 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Beneish M-Score compare to V and MA?
According to the Credit Services industry distribution chart, Plenti Group ranks #999999 out of 483 companies for Beneish M-Score. This places Plenti Group in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Beneish M-Score for a Credit Services company?
A good Beneish M-Score depends on the Credit Services industry context. However, Beneish M-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Beneish M-Score mean?
A high Beneish M-Score can signal that a stock is expensive relative to its fundamentals. The Beneish M-score measures the likelihood of earnings manipulation. View historical data on Plenti Group and its competitors. Plenti Group's current Beneish M-Score is 0.00. 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$0.83 — trading 23.9% below its estimated fair value. The current Beneish M-Score is 0.00. 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 Beneish M-Score calculated?
Beneish M-Score is calculated from a company's financial statements. For Plenti Group (ASX:PLT), the current Beneish M-Score is 0.00 as of Jun. 24, 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$0.83 is trading 23.9% below its estimated GF Value™ of A$1.09. GuruFocus considers Plenti Group to be Modestly Undervalued.

Key valuation signals for ASX:PLT:

  • Beneish M-Score: 0.00
  • GF Value™: A$1.09 vs. price of A$0.83 (23.9% below fair value)
  • GF Score™: 55/100 with 5 warning signs

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 Business Description

Address 14 Martin Place, Level 5, Sydney, NSW, AUS, 2000
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

Beneish M-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.83
Price
A$1.09
GF Value