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Steadfast Group Ltd (SDF) Fair Value & Analysis

Financial Services · AU · Market cap A$5.9B (≈ $4.2B) · ISIN AU000000SDF8

What is Steadfast Group Ltd really worth?

SG Steadfast Group Ltd SDF · AU
PriceA$5.69
Fair ValueA$3.92
Upside−31.1%
Quality57/100

A solid business, but trading 45% above our fair value of A$3.92.

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Strengths

Healthy Growth (revenue 5y +21.9 %/yr)
Solidly profitable · 16.1% net margin
Moderate debt · generates free cash flow
Ranks above peers (10/14)
Wide moat 68/100

For context

·3.50% dividend yield
Evidence: High Range A$2.94 – A$4.89

Fair value as of: Aug 13, 2026

From 4 valuation models · updated 22 days ago

Share price +8.2% over the past month.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price sits above even our optimistic bull case (A$4.89). The favourable scenario is already priced in.
  • Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

A$6.51 A$3.65 Fair Value A$3.92 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range A$3.65 – A$6.51 · fair‑value band A$2.94 – A$4.89 · the A$5.69 price screens above the A$3.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Steadfast Group Ltd (SDF) currently trades at A$5.69, while our model-based Fair Value estimate is A$3.92, implying the stock looks roughly 45.2% overvalued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of A$3.02 per share, and 0 of the 4 models we run sit above the A$5.69 price. Bear case: the Asset-Based group reads lowest at A$1.44, and 4 of the 4 models stay below the price. Evidence for this calculation is high.

Over the trailing twelve months, Steadfast Group Ltd generated revenue of A$2.2B at a net margin of 16.1%. Revenue grew 14.9% year over year. It earns a return on equity of 16.5%. Net debt stands at A$27.5M. Fundamentals as of Aug 13, 2026

Our scenario range runs from A$2.94 (bear case) to A$4.89 (bull case); at A$5.69, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 13% below its 52-week high and 47% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −43% fair-value upside, at −31%, SDF screens cheaper than that median.

Fair Value models

This estimate rests on fiscal year 2025 figures, and about 12 months have passed since. In that time the company retained roughly A$0.1210 per share, which is 3.1 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income best evidence A$2.07 A$2.59 A$6.21 69
P/E Multiple A$2.94 A$3.92 A$4.89 63
P/B Multiple A$2.26 A$3.02 A$3.77 55
All 4 models by family
Multiples
P/E Multiple A$2.94 A$3.92 A$4.89 63
P/B Multiple A$2.26 A$3.02 A$3.77 55
Asset-Based
NCAV (Graham) A$1.08 A$1.44 A$2.16 54
Economic Profit
Residual Income best evidence A$2.07 A$2.59 A$6.21 69

Widest divergence: Multiples (A$3.02) versus Asset-Based (A$1.44). Highest evidence: Residual Income (69).

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Key figures & financial health

P/E ratio 17.8
P/S ratio 3.27 P/E × margin
EPS (TTM) A$0.3200 price ÷ EPS = P/E 17.8
Dividend yield 3.5% payout 62.2%
Net margin 18.4% FY2025
Return on equity 16.5% TTM
More key figures
Profitability
Return on assets (EBIT) 7.6% avg 5y
Operating margin 27.6% TTM
Growth
Revenue (TTM) A$2.2B TTM
Revenue growth (YoY) +14.9% 3y avg +27.2%
EPS growth (YoY) +19.7%
Balance sheet & cash flow
Free cash flow A$490M FY2025
Net debt A$27.5M FY2025 · ≈ 0.1 yrs of FCF

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 57/100

Of which business quality 59 · Market factors (momentum, volatility) 63

Profitability 45
Margins and returns on capital today
Quality Growth 62
Are margins and returns improving?
Cashflow 90
Earnings quality: real cash, not paper profit
Fin. Strength 58
Balance sheet, leverage, solvency risk
Investment 49
Disciplined investing over empire-building
Low Volatility 70
Calm price path (market factor)
Momentum 67
Price trend over the last 3–12 months (market factor)
52W Momentum 48
Distance to the 52-week high (market factor)
Net Issuance 44
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Steadfast Group Limited provides general insurance brokerage services Australasia, Asia, and Europe. It also offers insurance underwriting services and related services.

Full company description

Steadfast Group Limited provides general insurance brokerage services Australasia, Asia, and Europe. It also offers insurance underwriting services and related services. In addition, the company provides various business insurance products, such as aviation, business pack and interruption, contract works, corporate travel, cyber, events, farm, marine, management and product liability, professional indemnity, public liability, trade credit, and workers compensation insurance. Further, it offers personal insurance products, including home and contents, landlord, motor, life, and strata insurance. The company operates a network of general insurance brokers and insurance underwriting agencies. Steadfast Group Limited was incorporated in 1996 and is based in Sydney, Australia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Steadfast Group Ltd reported revenue of A$1.8B in FY2025 versus A$902M in FY2021, a compound +19.2%/yr. Reported net income was A$335M in FY2025, compounding +23.7%/yr from FY2021.

Growth Quality 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
A$1.8B
Latest YoY
+3.6%
Avg. revenue growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+27.2%
Avg. revenue growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+21.9%
Avg. revenue growth/yr (16Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+34.7%
Value creation/yr (5Y) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+18.9% (15.4 + 3.5)
Revenue +19.2%/yr
FY21 A$902M
FY22 A$886M
FY23 A$1.5B
FY24 A$1.8B
FY25 A$1.8B
Net income +23.7%/yr
FY21 A$143M
FY22 A$172M
FY23 A$189M
FY24 A$228M
FY25 A$335M
Character of growth · EPS growth decomposed (2014-2025) +13.1 % p.a.
Revenue per share +12.3 %

of which total revenue +19.7 % · buybacks/dilution −6.2 %

EBIT margin −4.2 %
Tax rate −1.4 %
Residual (interest, one-offs) +6.5 %

Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).

SDF screens 45% overvalued. Compare with Marsh & McLennan Companies, Inc →

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Cite: Fair Value Calculator (2026). "Steadfast Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/SDF

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Insurance Brokers · 36 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 58 · Below median
Fair Value upside −31% · Above median
Return on equity (TTM) 16% · Above median
Return on assets 7% · Above median
Net margin (TTM) 16% · Above median
Operating margin (TTM) 28% · Top 25%
Revenue growth 15% · Above median
Dividend yield (TTM) 3.5% · Below median
Debt / equity 0.59× · Higher than 75% of peers

Valuation Multiples vs Insurance Brokers median · lower = cheaper

P/E (TTM) 17.8× · Cheaper than median
P/B 1.77× · Cheaper than 75% of peers
P/S (TTM) 1.92× · Cheaper than median
P/FCF 8.6× · Pricier than median
EV/EBITDA 4.9× · Cheaper than 75% of peers

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE0 · sector 0
FUTURE75 · sector 66
PAST66 · sector 60
HEALTH70 · sector 88
DIVIDEND70 · sector 80

VALUE 0: the price sits above our fair-value range.

Insider activity: 30/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
Marsh & McLennan Companies, Inc MRSH $193.40 $112.25 −42%
Aon plc AON $352.36 $224.91 −36%
Arthur J. Gallagher & Co AJG $267.56 $75.58 −72%
Willis Towers Watson Public Limited WTW $350.75 $220.92 −37%
Brown & Brown, Inc BRO $71.39 $40.43 −43%
Erie Indemnity Company ERIE $260.40 $113.32 −56%
PB Fintech Limited POLICYBZR ₹1,791 ₹205.02 −89%
Neptune Insurance Holdings NP $32.70 $3.52 −89%
CorVel Corporation CRVL $69.74 $39.55 −43%
Accelerant Holdings ARX $19.67 $30.47 +55%

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Frequently asked questions

Is Steadfast Group Ltd (SDF) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of A$3.92 versus a price of A$5.69, about −31% upside (overvalued).
What is the fair value of SDF?
Our model-based fair value for Steadfast Group Ltd is A$3.92 (as of Aug 13, 2026), built from audited fundamentals. The current price: A$5.69.
What is the quality score of SDF?
Steadfast Group Ltd has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Steadfast Group Ltd (SDF)?
Steadfast Group Ltd reported trailing-twelve-month revenue of about A$2.2B (latest available figure, as of Aug 13, 2026).
What is the net profit margin of SDF?
The net profit margin of Steadfast Group Ltd is about 16.1%, meaning it keeps roughly 16.1% of revenue as net income. Based on the latest reported figures.
Does Steadfast Group Ltd pay a dividend?
Steadfast Group Ltd currently shows a dividend yield of about 3.50% relative to its recent price (as of Aug 13, 2026).
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