Stock CGF CHALLENGER LIMITED
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Financials Challenger Limited

Equities

CGF

AU000000CGF5

Life & Health Insurance

Market Closed - Australian S.E.
Other stock markets
 02:10:43 2024-04-26 am EDT 		5-day change 1st Jan Change
6.71 AUD -1.90% Intraday chart for Challenger Limited +0.90% +3.39%
Apr. 18 Challenger's Assets Under Management Rise 6% in Fiscal Q3; Upgrades Guidance MT
Apr. 08 New Zealand Shares Decline on Monday; Heartland Group Secures Regulatory Approvals to Acquire Challenger Bank MT

Valuation

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 4,022 3,168 3,639 4,652 4,443 4,597 - -
Enterprise Value (EV) 1 10,307 10,245 8,973 9,702 9,741 5,767 5,714 5,662
P/E ratio 13 x -6.45 x 6.13 x 20.7 x 17.1 x 15.8 x 11.8 x 10.7 x
Yield 5.35% 3.97% 3.7% 3.36% 3.7% 3.83% 4.14% 4.5%
Capitalization / Revenue 4.9 x 3.97 x 5.34 x 5.99 x 5.28 x 4.97 x 4.55 x 4.23 x
EV / Revenue 12.6 x 12.8 x 13.2 x 12.5 x 11.6 x 6.24 x 5.65 x 5.21 x
EV / EBITDA 18.1 x 19.4 x 21.6 x 19.8 x 18.1 x 9.18 x 8.13 x 7.24 x
EV / FCF 17.4 x 21.5 x 5.24 x 26.7 x -152 x 12.3 x 11.5 x 9.12 x
FCF Yield 5.75% 4.64% 19.1% 3.75% -0.66% 8.15% 8.7% 11%
Price to Book 1.12 x 0.9 x 0.95 x 1.17 x 1.06 x 1.19 x 1.11 x 1.03 x
Nbr of stocks (in thousands) 605,797 718,368 672,656 680,146 685,714 685,028 - -
Reference price 2 6.640 4.410 5.410 6.840 6.480 6.710 6.710 6.710
Announcement Date 8/12/19 8/10/20 8/9/21 8/16/22 8/14/23 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 821 797.4 682 776.9 842.2 924.2 1,010 1,086
EBITDA 1 568.9 528.3 416.3 490.4 539.2 628.3 702.9 782.3
EBIT 1 553.6 513 401 476.4 524.7 604.4 671.8 725.9
Operating Margin 67.43% 64.33% 58.8% 61.32% 62.3% 65.39% 66.49% 66.81%
Earnings before Tax (EBT) 437.8 -590.6 830.6 357.3 408 - 661.5 704.7
Net income 1 307.8 -416 592 253.7 287.5 329.4 441.9 479.2
Net margin 37.49% -52.17% 86.8% 32.66% 34.14% 35.64% 43.73% 44.11%
EPS 2 0.5090 -0.6840 0.8820 0.3310 0.3790 0.4235 0.5700 0.6256
Free Cash Flow 1 592.4 475.6 1,712 363.5 -63.9 470 497 621
FCF margin 72.16% 59.64% 250.97% 46.79% -7.59% 50.85% 49.18% 57.16%
FCF Conversion (EBITDA) 104.13% 90.02% 411.15% 74.12% - 74.81% 70.71% 79.38%
FCF Conversion (Net income) 192.46% - 289.12% 143.28% - 142.69% 112.47% 129.59%
Dividend per Share 2 0.3550 0.1750 0.2000 0.2300 0.2400 0.2571 0.2778 0.3023
Announcement Date 8/12/19 8/10/20 8/9/21 8/16/22 8/14/23 - - -
1AUD in Million2AUD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: June 2020 S1 2020 S2 2021 S1 2021 S2 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 Q3 2024 S2 2025 S1 2025 S2 2026 S1 2026 S2
Net sales 1 422.7 374.7 325.3 356.7 386.5 390.4 410.5 431.7 447.2 180 478.7 500.4 501.1 523.5 532.6
EBITDA 288.9 - - - - - - - - - - - - - -
EBIT 281.1 231.9 198.5 202.5 239.4 237 252.4 272.3 292.6 - 312.9 335.3 317.2 336.8 -
Operating Margin 66.5% 61.89% 61.02% 56.77% 61.94% 60.71% 61.49% 63.08% 65.43% - 65.37% 67% 63.3% 64.34% -
Earnings before Tax (EBT) 321.9 - - 518.2 391.4 - - - 84.8 - - - - - -
Net income 220.4 -636.4 222.8 369.2 282 -28.3 122.7 164.8 56.3 - 322.4 - - - -
Net margin 52.14% -169.84% 68.49% 103.5% 72.96% -7.25% 29.89% 38.17% 12.59% - 67.35% - - - -
EPS - - - - 0.3390 -0.008000 0.1720 0.2070 0.0810 - 0.3730 - - - -
Dividend per Share 0.2500 - 0.0950 0.1050 0.1150 0.1150 0.1200 0.1200 0.1300 - 0.1252 - - - -
Announcement Date 2/10/20 8/10/20 2/8/21 8/9/21 2/16/22 8/16/22 2/13/23 8/14/23 2/12/24 - - - - - -
1AUD in Million
Estimates

Balance Sheet Analysis

Fiscal Period: June 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 6,285 7,077 5,334 5,050 5,298 1,170 1,117 1,065
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) 11.05 x 13.4 x 12.81 x 10.3 x 9.825 x 1.862 x 1.589 x 1.362 x
Free Cash Flow 1 592 476 1,712 364 -63.9 470 497 621
ROE (net income / shareholders' equity) 11.4% 10% 7.9% 8.1% 8.9% 10.2% 10.9% 11%
ROA (Net income/ Total Assets) 1.5% 1.23% 2.03% 1.08% 1.2% 1.57% 1.62% 1.67%
Assets 1 20,498 -33,841 29,190 23,532 23,956 20,980 27,238 28,748
Book Value Per Share 2 5.940 4.900 5.690 5.860 6.090 5.660 6.070 6.500
Cash Flow per Share 2 0.8300 0.8000 2.810 2.850 1.400 0.6800 0.7200 1.690
Capex 1 59.9 9.3 12.9 2.9 7.9 150 124 93.5
Capex / Sales 7.3% 1.17% 1.89% 0.37% 0.94% 16.22% 12.27% 8.6%
Announcement Date 8/12/19 8/10/20 8/9/21 8/16/22 8/14/23 - - -
1AUD in Million2AUD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Challenger Limited

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
14
Last Close Price
6.71 AUD
Average target price
7.548 AUD
Spread / Average Target
+12.50%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Life Insurance
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