Plenti Group Limited

PLT.AX

Financial - Credit Services · Financial Services

Exchange

Australian Securities Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Strong

Growth

Mixed

Cash Flow

Exceptional

Stability

Weak

Valuation

Strong

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Winston Score History

The full picture

Plenti Group is an Australian fintech lender that gives people and businesses loans through its online platform. Its main products are personal loans, car loans, and renewable energy loans — helping customers buy things like solar panels, batteries, and vehicles. The company operates entirely in Australia and targets everyday borrowers who want a faster, simpler alternative to traditional banks.

Plenti makes money by charging interest on the loans it issues, funded through a mix of retail investor money and wholesale funding from institutions. It is a relatively small lender with a market cap around $100 million, competing against major banks and other fintech lenders in a crowded market. The key growth driver is Australia's expanding demand for green energy financing, particularly solar and battery loans, but the main risk is rising funding costs or a spike in loan defaults if the economy weakens.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+236.3% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

-85.1% YoY

YoY Growth Rate

Earnings declining

Insider Activity

50.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

A$3.2B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Plenti Group Limited grew revenue 236% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

90.3%

Premium pricing power — 90.3% gross margin

Profit after running costs

Operating Margin

53.6%

Excellent — 53.6% operating margin

Return on the money invested

ROCE

5.6%

Weak — 5.6% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+215.8%

Fast-growing sales (+215.8% YoY)

Profit growth

EPS YoY

-44.9%

Earnings shrinking (-44.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

343%

Turns 343% of profit into real cash

Spare cash per sale

FCF Margin

15.6%

Converts sales into free cash efficiently (15.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

34.19

Heavy debt load (34.19)

Covers its interest

Interest Cover

1.11x

Dangerous — barely covers interest (1.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

10.7x

no trend

Attractive valuation — P/E 10.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+5.8

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (10.7 → 4.9)

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Dividends

Not applicable for this business.

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