Liberty Financial Group (ASX:LFG) Scaled Net Operating Assets: 0.93 (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 Scaled Net Operating Assets?

Liberty Financial Group ASX:LFG +1.89% 58 Scaled Net Operating Assets is 0.93 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Liberty Financial Group's operating assets for the quarter that ended in Dec. 2025 was A$15,556.0 Mil. Liberty Financial Group's operating liabilities for the quarter that ended in Dec. 2025 was A$394.2 Mil. Liberty Financial Group's Total Assets for the quarter that ended in Jun. 2025 was A$16,242.6 Mil. Therefore, Liberty Financial Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.93.

ASX:LFG
58GF Score
Liberty Financial Group Ltd ASX:LFG
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Liberty Financial Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Liberty Financial Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jun. 2025 )
=(Operating Assets (A: Jun. 2025 )-Operating Liabilities (A: Jun. 2025 ))/Total Assets (A: Jun. 2024 )
=(15483.748-422.824)/16305.723
=0.92

where

Operating Assets(A: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=16242.646 - 758.898
=15483.748

Operating Liabilities(A: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=15049.621 - 14626.797 - 0
=422.824

Liberty Financial Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(15555.954-394.172)/16242.646
=0.93

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=16368.47 - 812.516
=15555.954

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=15170.588 - 14776.416 - 0
=394.172

* 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 Scaled Net Operating Assets of 0.93 mean?
Liberty Financial Group (ASX:LFG) has a Scaled Net Operating Assets of 0.93 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Liberty Financial Group and its competitors.
Is Liberty Financial Group's Scaled Net Operating Assets too high?
Liberty Financial Group's current Scaled Net Operating Assets is 0.93. 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 Scaled Net Operating Assets compare to V and MA?
Liberty Financial Group's Scaled Net Operating Assets of 0.93 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Liberty Financial Group and its competitors. Liberty Financial Group's current Scaled Net Operating Assets is 0.93. 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 Scaled Net Operating Assets is 0.93. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Liberty Financial Group (ASX:LFG), the current Scaled Net Operating Assets is 0.93 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:

  • Scaled Net Operating Assets: 0.93
  • 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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Scaled Net Operating Assets 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