sector coverage

Financials research

Financials coverage focuses on credit quality, funding mix, capital strength, return on equity, and whether the market is paying for durable spread income or cyclical leverage.

17 editions linked in this hub.

Coverage

  1. New Zealand supplied nib's FY26 growth while Australian health profit fell 10%nib holdings limited (ASX:NHF) fell 9.1% after FY26 results. The core Australian health margin, not the group profit rise, explains the sell-off.
  2. Five regulators sit inside Steadfast's 35-cent scheme spreadSteadfast Group (ASX:SDF) entered an A$6 cash scheme after a trading halt. Its cash record and break arithmetic show what the 35 cents must cover.
  3. MA Financial grew AUM 44%; the 18% rally still carries a credit-cycle discountMA Financial Group (ASX:MAF) jumped 18.1% after 1H26 earnings beat expectations. Its larger asset base still lacks a through-cycle loss record.
  4. Transaction margin dollars grew 42 per cent. Klarna still lost almost a quarter of its value.Klarna (NYSE:KLAR) fell 22.8% on a euro-and-Germany volume cut that raised margin guidance. We test what its $5.7bn price now assumes.
  5. At $15.23, Nubank's 33% ROE has to outrun 6.9% arrearsNu Holdings (NYSE:NU) rallied 9.3% after its first $1 billion quarter; the valuation now asks credit returns to survive seasoned arrears.
  6. Adyen's 16% relief rally assumes its two acquisitions will earn their keepAdyen (EURONEXT-AMSTERDAM:ADYEN) jumped 16.4% after raising 2026 growth expectations. The new valuation already asks two acquisitions to prove their fit.
  7. Berkshire's US$32.6 billion buying burst barely dents its cash mountainBerkshire Hathaway (NYSE:BRK.B) deployed US$32.6bn through July, but US$359.2bn of liquidity still dominates the allocation question.
  8. ASX's results rally prices a cleaner technology reset before CHESS 2ASX Limited (ASX:ASX) rose 5% after FY25 earnings growth. We test whether rate income can offset CHESS 2 and regulatory cost.
  9. AMP's profit pop prices capital returns before bank runoff is finishedAMP Limited (ASX:AMP) jumped after 1H26 profit and a new buyback. The test is whether flows, not runoff capital, now drive value.
  10. FleetPartners' bid rally prices SG Fleet's synergies before the board has a dealFleetPartners (ASX:FPR) jumped on SG Fleet's $3.60 approach. The test is whether fleet-finance cash flow, not certainty, supports the move.
  11. OFX's bid surge prices a cleaner exit than the payments record has earnedOFX Group (ASX:OFX) jumped 69% after the close-screen bid repricing. We test whether the payment platform's record supports the new price.
  12. HUB24's platform selloff puts flow quality before FY26 margin reliefHUB24 (ASX:HUB) fell after its Q4 FY26 update; the issue is whether flows still justify platform-style operating leverage.
  13. Netwealth's Morgan Stanley pop prices platform flow before margin paybackNetwealth Group (ASX:NWL) jumped 6.7% after a Morgan Stanley platform deal; the question is how much flow can outrun FY27 spend.
  14. NAB's upgrade pop asks whether business-bank spreads can outrun bad debtsNational Australia Bank (ASX:NAB) jumped after an upgrade. We test whether business-bank spreads and credit quality support the move.
  15. Perpetual's rejected bid turns a rally into a break-up value testPerpetual (ASX:PPT) jumped after rejecting a takeover approach. The question is whether control value outruns a messy earnings rebuild.
  16. Zip's two-day rally prices a US turnaround before credit costs have finished their sayZip Co (ASX:ZIP) rallied again as payments risk came back into favour; the question is whether US cash profit can outrun credit costs.
  17. Judo's credit reset turns a growth-bank story into a cost-of-risk argumentJudo Bank's credit downgrade erased about 40% of ASX:JDO. We test whether three bad loans are idiosyncratic or a structural cost-of-risk reset.