Liberty Financial GroupASX:LFG +1.89%58 Net Margin % is 42.77% as of Dec. 2025, which is 2% below its 10-year median of 43.77. GuruFocus rates ASX:LFG with a GF Score™ of 58/100 and a GF Value™ of A$5.67 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 534 Credit Services companies, Liberty Financial Group ranks better than 81.27% on this metric.
The historical rank and industry rank for Liberty Financial Group's Net Margin % or its related term are showing as below:
ASX:LFG'
s Net Margin % Range Over the Past 10 Years
Min: 32.79 Med: 43.77 Max: 54.05
Current: 40.76
ASX:LFG's Net Margin % is ranked better than 81.27% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs ASX:LFG: 40.76
Liberty Financial Group (ASX:LFG) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Liberty Financial Group Net Margin % Related Terms
Liberty Financial Group Net Margin % Historical Data
* 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Liberty Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Liberty Financial Group's Net Margin % 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.
Liberty Financial Group (ASX:LFG) has a Net Margin % of 42.77% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Liberty Financial Group and its competitors. This is near median its historical median of 43.77. Over the past decade, Liberty Financial Group's Net Margin % has ranged from 32.79 to 54.05. According to the industry distribution chart, Liberty Financial Group ranks #100 out of 534 companies in the Credit Services industry, placing it in the top 18.7%.
Is Liberty Financial Group's Net Margin % too high?
Liberty Financial Group's current Net Margin % of 42.77% is near median its 10-year median of 43.77. Over the past 10 years, this metric has ranged from a low of 32.79 to a high of 54.05. The Credit Services industry median Net Margin % is 14.52. Liberty Financial Group's value of 42.77% is 194.6% above this industry median. Based on the distribution chart, Liberty Financial Group ranks #100 out of 534 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 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Liberty Financial Group's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Liberty Financial Group ranks #100 out of 534 companies for Net Margin %. This places Liberty Financial Group in the top 19% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.52. Liberty Financial Group's value of 42.77% is 194.6% above this benchmark. Historically, Liberty Financial Group's own Net Margin % has ranged from 32.79 to 54.05 over the past decade. While the company's 10-year median is 43.77 vs. the industry median of 14.52, Liberty Financial Group has consistently been above 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liberty Financial Group's current Net Margin % of 42.77% is 194.6% above 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Liberty Financial Group and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Financial Group's current Net Margin % is 42.77%, which is near median its own 10-year median of 43.77. 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$5.67, compared to a current price of A$3.23 — trading 43% below its estimated fair value. The current Net Margin % is 42.77%, which is near median its 10-year median of 43.77 and 194.6% above the Credit Services industry median of 14.52. Liberty Financial Group's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Liberty Financial Group (ASX:LFG), the current Net Margin % is 42.77% as of Dec. 2025. 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$3.23 is trading 43% below its estimated GF Value™ of A$5.67.
GuruFocus considers Liberty Financial Group to be Significantly Undervalued.
Key valuation signals for ASX:LFG:
Net Margin %: 42.77% (near median its 10-year median of 43.77)
GF Value™: A$5.67 vs. price of A$3.23 (43% below fair value)
Industry Position: 194.6% above the Credit Services median (#100 of 534)
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.
58GF Score
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