Liberty Financial Group (ASX:LFG) ROE % Adjusted to Book Value: 12.12% (As of Dec. 2025)


ASX:LFG Liberty Financial Group Ltd ASX:LFG
58 GF Score
Price A$3.23
GF Value A$5.67
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Liberty Financial Group ROE % Adjusted to Book Value?

Liberty Financial Group ASX:LFG +1.89% 58 ROE % Adjusted to Book Value is 12.12% as of Dec. 2025. 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.

Liberty Financial Group's ROE % for the quarter that ended in Dec. 2025 was 12.85%. Liberty Financial Group's PB Ratio for the quarter that ended in Dec. 2025 was 1.06. Liberty Financial Group's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 12.12%.


Liberty Financial Group ROE % Adjusted to Book Value Related Terms


Liberty Financial Group ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Liberty Financial Group's ROE % Adjusted to Book Value 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.

Liberty Financial Group ROE % Adjusted to Book Value Chart

Liberty Financial Group Annual Data
Trend Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial 8.18 18.03 16.86 10.28 13.16

Liberty Financial Group Semi-Annual Data
Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.47 10.22 13.11 13.40 12.12

ASX:LFG vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, Liberty Financial Group's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Liberty Financial Group's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Liberty Financial Group's ROE % Adjusted to Book Value falls into.


ASX:LFG
58GF Score
Liberty Financial Group Ltd ASX:LFG
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Liberty Financial Group ROE % Adjusted to Book Value Calculation

Liberty Financial Group's ROE % Adjusted to Book Value for the fiscal year that ended in Jun. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.19% / 0.85
=13.16%

Liberty Financial Group's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.85% / 1.06
=12.12%

* 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.

What does a ROE % Adjusted to Book Value of 12.12% mean?
Liberty Financial Group (ASX:LFG) has a ROE % Adjusted to Book Value of 12.12% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Liberty Financial Group and its competitors.
Is Liberty Financial Group's ROE % Adjusted to Book Value too high?
Liberty Financial Group's current ROE % Adjusted to Book Value is 12.12%. 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 ROE % Adjusted to Book Value compare to V and MA?
Liberty Financial Group's ROE % Adjusted to Book Value of 12.12% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Liberty Financial Group and its competitors. Liberty Financial Group's current ROE % Adjusted to Book Value is 12.12%. 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 ROE % Adjusted to Book Value is 12.12%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Liberty Financial Group (ASX:LFG), the current ROE % Adjusted to Book Value is 12.12% 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:

  • ROE % Adjusted to Book Value: 12.12%
  • GF Value™: A$5.67 vs. price of A$3.23 (43% below fair value)
  • GF Score™: 58/100 with 4 warning signs

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.


Liberty Financial Group Business Description

Address 535 Bourke Street, Level 16, Melbourne, VIC, AUS, 3000
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$3.23
Price
A$5.67
GF Value