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Market Price

0.58 

-0.03 -4.1%

as of Sep 19 '18

52 Week Range:

0.43 0.72


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Homeloans Limited operates as a non-bank mortgage financial company that provides residential mortgage solutions in Australia and New Zealand. The company operates through three segments: Australian Lending Business, New Zealand Lending Business, and Paywise Business. It offers prime and specialist lending products; and home loan solutions, such as refinancing/debt consolidation, loans for investors, land and construction loans, and bridging loans. The company also provides novated leasing products; mortgage originator, trustee, lender, manager, and broker services; and trust manager and service, LMI captive insurer, and lender of record services. In addition, it offers salary packaging services to employers; and underwriting, and loan and arrears management services. The company provides its products and services through brokers and white-label partners, as well as direct-to-customer consumer channel. It has strategic partnership with Athena Home Loans. The company was founded in 1985 and is based in Sydney, Australia. Homeloans Limited operates as a subsidiary of Somers Limited.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jun '08 Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18
Equity (BVPS) 0.59
0.66
0.69
0.37
0.38
0.40
0.41
0.40
0.42
0.35
0.39
growth rate 11.9% 4.6% -46.4% 2.7% 5.3% 2.5% -2.4% 5.0% -16.7% 11.4%
Earnings BIT -12.23
11.57
14.08
12.38
11.54
11.14
8.89
growth rate 100.0% 21.7% -12.1% -6.8% -3.5% -20.2%
Avg.PE -3.60
7.65
4.76
6.93
7.50
13.02
12.89
10.58
8.49
16.38
10.31
growth rate 100.0% -37.8% 45.6% 8.2% 73.6% -1.0% -17.9% -19.8% 92.9% -37.1%
ROA -1.25
0.77
1.76
1.75
1.97
2.28
2.09
1.92
1.82
0.44
0.32
growth rate 100.0% 128.6% -0.6% 12.6% 15.7% -8.3% -8.1% -5.2% -75.8% -27.3%
ROE -18.31
11.46
18.25
17.02
20.18
18.27
14.72
13.21
11.92
16.96
16.66
growth rate 100.0% 59.3% -6.7% 18.6% -9.5% -19.4% -10.3% -9.8% 42.3% -1.8%
ROIC -2.65
-1.19
-0.21
0.06
0.20
0.31
5.29
5.12
0.07
-1.15
-0.65
growth rate 0.0% 0.0% 100.0% 233.3% 55.0% 1,606.5% -3.2% -98.6% -100.0% 0.0%
Cur. Ratio 2.27
0.12
0.15
0.10
0.14
0.19
0.18
0.18
0.21
4.83
194.69
growth rate -94.7% 25.0% -33.3% 40.0% 35.7% -5.3% 0.0% 16.7% 2,200.0% 3,930.9%
Quick Ratio 2.26
0.12
0.15
0.10
0.14
0.19
0.18
0.18
0.20
4.78
193.74
growth rate -94.7% 25.0% -33.3% 40.0% 35.7% -5.3% 0.0% 11.1% 2,290.0% 3,953.1%
Leverage 17.67
12.16
8.68
11.65
8.93
7.12
6.95
6.81
6.28
49.11
55.12
growth rate -31.2% -28.6% 34.2% -23.4% -20.3% -2.4% -2.0% -7.8% 682.0% 12.2%
Balance Sheet Jun '08 Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18
Acct.Receivable 9.51
663.30
489.70
391.00
312.00
242.06
225.68
4,461.63
5,252.00
6,713.57
8,640.05
growth rate 6,874.8% -26.2% -20.2% -20.2% -22.4% -6.8% 1,877.0% 17.7% 27.8% 28.7%
Acct.Payable 1.00
0.45
0.58
4.17
2.24
1.19
43.87
growth rate -33.2% 30.7% 614.6% -46.1% -46.9% 3,580.4%
Cur.Assets 82.10
86.40
77.40
412.00
333.00
259.82
240.04
4,680.20
5,461.39
6,911.10
8,882.55
growth rate 5.2% -10.4% 432.3% -19.2% -22.0% -7.6% 1,849.7% 16.7% 26.5% 28.5%
Total Assets 1,060.40
791.30
600.90
448.00
375.00
304.43
288.54
4,690.57
5,469.68
6,934.77
8,969.05
growth rate -25.4% -24.1% -25.5% -16.3% -18.8% -5.2% 1,525.7% 16.6% 26.8% 29.3%
Cash 28.69
73.90
57.60
21.00
20.00
17.18
13.80
181.84
161.49
187.11
198.91
growth rate 157.6% -22.1% -63.5% -4.8% -14.1% -19.7% 1,217.9% -11.2% 15.9% 6.3%
Inventory 0.00 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 36.20
726.30
527.90
322.00
272.00
209.40
199.77
22.21
42.31
60.08
46.47
growth rate 1,906.4% -27.3% -39.0% -15.5% -23.0% -4.6% -88.9% 90.5% 42.0% -22.7%
Liabilities 1,000.40
726.30
531.70
410.00
333.00
261.68
247.00
4,620.77
5,387.34
6,793.56
8,806.32
growth rate -27.4% -26.8% -22.9% -18.8% -21.4% -5.6% 1,770.8% 16.6% 26.1% 29.6%
LT Debt 971.81
0.00
0.00
74.00
41.00
30.87
23.92
4,587.48
5,337.18
6,698.35
8,716.66
growth rate -100.0% -44.6% -24.7% -22.5% 19,082.5% 16.3% 25.5% 30.1%
Equity 60.00
65.10
69.20
38.50
41.90
42.76
41.54
69.81
82.34
141.20
162.73
growth rate 8.5% 6.3% -44.4% 8.8% 2.1% -2.9% 68.1% 17.9% 71.5% 15.3%
Common Shares 101.00
100.00
101.00
102.00
106.00
107.00
107.00
106.00
106.00
359.00
397.00
growth rate -1.0% 1.0% 1.0% 3.9% 0.9% 0.0% -0.9% 0.0% 238.7% 10.6%
Cash Flow Statement Jun '08 Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18
Capital Expenditures 0.21
0.10
0.20
0.30
0.20
0.25
0.66
0.62
1.07
0.40
2.17
growth rate -52.4% 100.0% 50.0% -33.3% 25.5% 162.6% -6.5% 73.4% -62.4% 440.3%
Cash Dividends 2.85
1.50
9.10
4.70
4.50
6.71
6.11
5.12
5.12
5.12
3.96
growth rate -47.4% 506.7% -48.4% -4.3% 49.1% -9.0% -16.2% 0.0% 0.0% -22.6%
Cash From OA 2.24
15.00
3.10
4.00
7.00
3.46
6.02
26.28
-750.14
-1,206.48
-1,944.61
growth rate 569.6% -79.3% 29.0% 75.0% -50.5% 73.8% 336.5% -100.0% 0.0% 0.0%
FCF per Share 0.02
0.15
0.03
0.04
0.06
0.03
0.03
0.04
0.06
-1.88
-4.34
growth rate 650.0% -80.0% 33.3% 50.0% -50.0% 0.0% 33.3% 50.0% -100.0% 0.0%
FCF 2.00
15.00
3.00
4.00
6.00
3.00
5.00
4.00
6.00
-1,207.00
-1,947.00
growth rate 650.0% -80.0% 33.3% 50.0% -50.0% 66.7% -20.0% 50.0% -100.0% 0.0%
Income Statement Jun '08 Jun '09 Jun '10 Jun '11 Jun '12 Jun '13 Jun '14 Jun '15 Jun '16 Jun '17 Jun '18
Sales 121.66
8.40
10.00
46.00
43.00
45.79
42.53
64.49
78.04
117.66
138.80
growth rate -93.1% 19.1% 360.0% -6.5% 6.5% -7.1% 51.6% 21.0% 50.8% 18.0%
Op.Income -41.40
-27.50
-22.30
9.00
8.00
11.14
9.20
9.45
15.76
23.02
35.93
growth rate 0.0% 0.0% 100.0% -11.1% 39.2% -17.4% 2.7% 66.8% 46.1% 56.1%
IBT -12.23
11.57
14.08
12.38
11.54
11.14
8.89
10.55
16.50
23.02
35.93
growth rate 100.0% 21.7% -12.1% -6.8% -3.5% -20.2% 18.6% 56.5% 39.5% 56.1%
Net Income -12.50
7.20
12.30
9.00
8.00
7.74
6.21
7.56
13.04
15.77
25.32
growth rate 100.0% 70.8% -26.8% -11.1% -3.3% -19.8% 21.8% 72.5% 20.9% 60.6%
EPS -0.12
0.07
0.12
0.09
0.08
0.07
0.06
0.05
0.05
0.04
0.06
growth rate 100.0% 71.4% -25.0% -11.1% -12.5% -14.3% -16.7% 0.0% -20.0% 50.0%
Gross Profit -81.86
-60.87
-36.34
14.00
13.00
12.58
10.59
51.25
64.19
86.56
98.29
growth rate 0.0% 0.0% 100.0% -7.1% -3.3% -15.8% 383.9% 25.3% 34.8% 13.5%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Balance Sheet
Acct.Receivable 6,713.57
7,641.09
7,641.09
8,640.05
8,640.05
growth rate 13.8% 0.0% 13.1% 0.0%
Acct.Payable 1.19
32.20
32.20
43.87
43.87
growth rate 2,601.4% 0.0% 36.2% 0.0%
Cur.Assets 6,911.10
7,852.63
7,852.63
8,882.55
8,882.55
growth rate 13.6% 0.0% 13.1% 0.0%
Total Assets 6,934.77
7,879.29
7,879.29
8,969.05
8,969.05
growth rate 13.6% 0.0% 13.8% 0.0%
Cash 187.11
211.54
211.54
198.91
198.91
growth rate 13.1% 0.0% -6.0% 0.0%
Cur.Liabilities 60.08
67.68
67.68
46.47
46.47
growth rate 12.7% 0.0% -31.4% 0.0%
Liabilities 6,793.56
7,726.96
7,726.96
8,806.32
8,806.32
growth rate 13.7% 0.0% 14.0% 0.0%
LT Debt 6,698.35
7,644.17
7,644.17
8,716.66
8,716.66
growth rate 14.1% 0.0% 14.0% 0.0%
Equity 141.20
152.34
152.34
162.73
162.73
growth rate 7.9% 0.0% 6.8% 0.0%
Common Shares 174.76
176.88
176.88
177.34
177.34
growth rate 1.2% 0.0% 0.3% 0.0%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 0.11
0.10
0.10
0.98
0.98
growth rate -3.3% 0.0% 870.0% 0.0%
Cash Dividends 1.48
0.42
0.42
1.57
1.57
growth rate -71.9% 0.0% 276.7% 0.0%
Cash From OA -399.55
-456.81
-456.81
-515.49
-515.49
growth rate 0.0% 0.0% 0.0% 0.0%
FCF -399.66
-456.92
-456.92
-516.47
-516.47
growth rate 0.0% 0.0% 0.0% 0.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 33.64
34.51
34.51
34.89
34.89
growth rate 2.6% 0.0% 1.1% 0.0%
Op.Income 7.35
8.66
8.66
9.30
9.30
growth rate 17.9% 0.0% 7.4% 0.0%
IBT 7.35
8.66
8.66
9.30
9.30
growth rate 17.9% 0.0% 7.4% 0.0%
Net Income 5.06
5.96
5.96
6.70
6.70
growth rate 17.8% 0.0% 12.3% 0.0%
Gross Profit 23.28
24.18
24.18
24.96
24.96
growth rate 3.9% 0.0% 3.2% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (19.36)

YOY Growth Grade:

E (21.48)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.16 9.06
EPS / Growth 32.8% 0.06 -0.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 24.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 19.3% 19.3%
Future PE 0.01 6.78 16.25
Future EPS 0.07 0.37 0.37
Value Price
MOS %
0.00
-100.0%
0.63
7.8%
1.50
158.6%
MOS Price 0.00 0.31 0.75
IRT 8.63 5.11 5.11

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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