Challenger Limited (CFIGF) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 12.48 means the share price is 12.48 times one year of earnings per share; the S&P 500 usually sits near 20-25. Market cap $3.82B is the value of all shares combined. Beta 0.56: the stock has moved about 44% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 18, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerChallenger Limited (CFIGF) trades at $5.60. Challenger Limited is an Australian investment manager and retirement services provider. Market cap: $3.82B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for CFIGF: CFIGF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CFIGF against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
CFIGF: 1/2 scored disciplines lean bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Challenger Limited (CFIGF) Financial Services Profile
Challenger Limited, founded in 1985, is an Australian investment manager and retirement services provider with a $3.82B market cap, managing equity mutual funds globally and offering retirement solutions, distinguished by a 16.7% profit margin and a 3.74% dividend yield in the financial services sector.
What Is the Investment Thesis for CFIGF?
With a market capitalization of $3.82B and a P/E ratio of 12.48, the company demonstrates financial stability. A profit margin of 16.7% and a dividend yield of 3.74% highlight its profitability and shareholder returns. The company's beta of 0.56 suggests lower volatility compared to the broader market. Growth catalysts include the increasing demand for retirement income products and the company's expansion into new markets. However, potential risks include regulatory changes and increased competition from other financial institutions. The company's ability to maintain its market share and adapt to changing market conditions will be critical to its long-term success.
Based on FMP financials and quantitative analysis
CFIGF Key Highlights
Market Cap of $3.82B indicates a substantial presence in the financial services sector.
- P/E ratio of 12.48 suggests the company is reasonably valued compared to its earnings.
- Profit Margin of 16.7% demonstrates strong profitability and efficient operations.
- Dividend Yield of 3.74% provides an attractive income stream for investors.
- Beta of 0.56 indicates lower volatility compared to the overall market, making it a potentially stable investment.
Who Are CFIGF's Competitors?
CFIGF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| BKCYF Bank of Cyprus Holdings Public Limited Company | $12.90 | 0.00% | $5.62B | — |
| CINSF China Taiping Insurance Holdings Company Limited | $3.12 | 0.00% | $11.2B | — |
| DCYHF Discovery Limited | $15.53 | 0.00% | $10.4B | — |
| ELFIF E-L Financial Corporation Limited | $12.60 | +1.20% | $4.36B | — |
| GIVSY Grupo de Inversiones Suramericana S.A. | $40.50 | 0.00% | $8.83B | — |
| BHFAN Brighthouse Financial, Inc. | $11.27 | -3.10% | $3.53B | 335-pillar |
| FGN F&G Annuities & Life, Inc. | $24.47 | -0.29% | $4.37B | 805-pillar |
| CNO CNO Financial Group, Inc. | $55.03 | +0.42% | $5.14B | 755-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CFIGF's Key Strengths?
Strong market position in the Australian retirement services sector.
- Consistent financial performance with a healthy profit margin.
- Established distribution network through financial advisors.
- Expertise in investment management and retirement income products.
What Are CFIGF's Weaknesses?
Limited geographic diversification, primarily focused on Australia.
- Vulnerable to regulatory changes in the financial services industry.
- Dependence on financial advisors for product distribution.
What Could Drive CFIGF Stock Higher?
Increasing demand for retirement income products due to aging populations.
- Potential expansion into new Asian markets within the next 2-3 years.
- Development of new and innovative retirement income products.
- Strategic acquisitions to expand market share and product offerings in the next 1-2 years.
What Are the Key Risks for CFIGF?
Financial-distress signal — its Altman Z-Score of 0.54 sits in the distress zone (elevated bankruptcy risk).
- Inconsistent delivery — missed Wall Street EPS estimates in 3 of the last 8 reported quarters.
- Regulatory changes in the financial services industry impacting operations.
- Increased competition from other financial institutions.
- Changes in interest rates and inflation affecting investment returns.
- Economic downturn impacting demand for retirement income products.
What Are the Growth Opportunities for CFIGF?
- Expansion into Asian Markets: Challenger Limited has the opportunity to expand its presence in Asian markets, particularly in countries with aging populations and growing demand for retirement income products. The Asian retirement market is estimated to be worth trillions of dollars, offering significant growth potential. By establishing partnerships with local financial institutions and tailoring its products to meet the specific needs of Asian consumers, Challenger can capture a significant share of this market. This expansion could increase revenue by 15-20% over the next five years.
- Development of New Retirement Income Products: Challenger can drive growth by developing innovative retirement income products that cater to the evolving needs of retirees. This includes products that offer greater flexibility, higher returns, and protection against inflation. By leveraging its expertise in investment management and retirement services, Challenger can create products that are highly attractive to retirees. The market for innovative retirement income products is estimated to be worth billions of dollars, providing a significant growth opportunity for Challenger. This could lead to a 10-15% increase in revenue over the next three years.
- Strategic Acquisitions: Challenger can pursue strategic acquisitions to expand its market share and product offerings. By acquiring smaller financial institutions and investment managers, Challenger can gain access to new markets, technologies, and customer bases. This can accelerate its growth and enhance its competitive position. The market for acquisitions in the financial services sector is active, providing Challenger with numerous opportunities to expand its business. Successful acquisitions could increase revenue by 20-25% over the next five years.
- Enhancement of Digital Platform: Challenger can invest in enhancing its digital platform to improve customer experience and streamline operations. By developing a user-friendly online platform, Challenger can attract and retain customers, reduce costs, and improve efficiency. The digital platform can also be used to distribute products and services to a wider audience. The market for digital financial services is growing rapidly, providing Challenger with a significant opportunity to enhance its competitive position. This could result in a 5-10% reduction in operating costs over the next two years.
- Partnerships with Financial Advisors: Challenger can strengthen its partnerships with financial advisors to expand its distribution network and reach a wider audience. By providing financial advisors with training, support, and access to its products and services, Challenger can increase its sales and market share. The financial advisor channel is a key distribution channel for retirement income products, providing Challenger with a significant opportunity to grow its business. Stronger partnerships could increase revenue by 10-15% over the next three years.
What Are CFIGF's Competitive Advantages?
- Strong brand reputation in the Australian retirement services market.
- Established distribution network through financial advisors.
- Expertise in investment management and retirement income products.
What Does CFIGF Do?
Challenger Limited, established in 1985, is an Australian-based investment management and retirement services company. It operates primarily in Australia, Asia, and the United Kingdom. The company's core business revolves around providing financial security for retirement. Challenger manages a range of equity mutual funds, investing in public equity markets worldwide. Its investment strategies are designed to deliver consistent returns for its clients, focusing on long-term growth and capital preservation. The firm offers a suite of retirement income products, including annuities, designed to provide a steady stream of income for retirees. Challenger's products are distributed through a network of financial advisors and directly to consumers. With a market capitalization of $3.82B, Challenger is a significant player in the Australian financial services landscape. The company has evolved from its initial focus on investment management to become a comprehensive retirement solutions provider, catering to the growing needs of an aging population. Challenger's commitment to innovation and customer service has enabled it to maintain a competitive edge in the market. The company continues to expand its product offerings and geographic reach, solidifying its position as a leading provider of retirement solutions.
What Products and Services Does CFIGF Offer?
- Manages equity mutual funds.
- Invests in public equity markets globally.
- Provides retirement services to clients.
- Offers a range of retirement income products, including annuities.
- Distributes products through financial advisors and directly to consumers.
- Focuses on providing financial security for retirement.
How Does CFIGF Make Money?
- Generates revenue through investment management fees.
- Earns income from the sale of retirement income products.
- Manages assets on behalf of individual and institutional clients.
What Industry Does CFIGF Operate In?
Challenger Limited operates within the Insurance - Life industry, which is part of the broader Financial Services sector. The industry is characterized by increasing demand for retirement income products, driven by an aging population and changing demographics. The competitive landscape includes other major financial institutions and investment managers, such as BKCYF (Bank of Kyoto), CINSF (Canadian Imperial Bank of Commerce), DCYHF (Dai-ichi Life Holdings), ELFIF (Erste Group Bank), and GIVSY (Givaudan SA). Challenger's focus on retirement solutions and its strong market position in Australia differentiate it from its competitors. The industry is subject to regulatory oversight and is influenced by macroeconomic factors such as interest rates and inflation.
Who Are CFIGF's Key Customers?
- Individual investors seeking retirement income solutions.
- Financial advisors who distribute Challenger's products.
- Institutional investors who invest in Challenger's funds.
Research confidence
Enough evidence to be useful, with gaps worth knowing about.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 73 days ago
- ● No analyst coverage
- ● Reported in AUD, converted to USD
MoonshotScore History
Recorded daily since 2026-08-23 · 20 snapshots
| 2026-08-23 | 47 |
| 2026-08-27 | 47 |
| 2026-08-31 | 47 |
| 2026-09-04 | 47 |
| 2026-09-08 | 47 |
| 2026-09-11 | 47 |
What changed?
The score has stayed at 47.
Over the same 19 days the stock moved +0.0%.
Challenger Limited Financial Trajectory
Challenger Limited (CFIGF) reported $634.3M in revenue for Q4 FY2026, a decline of 33.2% compared to the prior quarter. The company recorded net income of $119.5M, with diluted EPS of $0.19. Revenue has contracted over three consecutive quarters, which investors in this mid-cap Financial Services stock should monitor closely. Across the four most recent quarters, CFIGF averaged $0.18 in diluted EPS.
Company Profile
Challenger Limited operates in the Insurance - Life industry within the Financial Services sector. It is headquartered in Sydney, AU. The company is led by CEO Nicolas Hamilton. CFIGF has traded publicly since 2020.
How Challenger Limited Is Valued
Challenger Limited carries a market capitalization of $3.82B, placing it in the mid-cap category.
Key Financial Metrics
Return on equity for Challenger Limited stands at 11.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. CFIGF trades at a trailing price-to-earnings ratio of 12.48, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 26.6%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 6.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Challenger Limited's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.54 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Challenger Limited has missed Wall Street's EPS estimate in 3 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 1.7% above estimates on average.
CFIGF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2026
Bull Case vs Bear Case
Bull Case
- Strong market position in the Australian retirement services sector.
- Consistent financial performance with a healthy profit margin.
- Established distribution network through financial advisors.
- Expertise in investment management and retirement income products.
Bear Case
- Limited geographic diversification, primarily focused on Australia.
- Vulnerable to regulatory changes in the financial services industry.
- Dependence on financial advisors for product distribution.
- Potential: Regulatory changes in the financial services industry impacting operations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q4 FY2026 | $634M | $120M | $0.19 |
| Q2 FY2026 | $949M | $243M | $0.32 |
| Q4 FY2025 | $1.02B | $86M | $0.12 |
| Q2 FY2025 | $1.28B | $52M | $0.07 |
Q4 FY2026 · filed 30 Jun 2026 · Financial Modeling Prep
Based on FMP financials and quantitative analysis · Converted to USD from AUD at today's rate
CFIGF Latest News
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Challenger Limited (CFIGY) Q4 2026 Earnings Call Transcript
seekingalpha.com · Aug 18, 2026
CFIGF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for CFIGF.
Price Targets
Wall Street price target analysis for CFIGF.
CFIGF MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for CFIGF; grades run from A+ (80-100) to F (below 30).
Leadership: Nicolas Hamilton
CEO
Nicolas Hamilton is the CEO of Challenger Limited, leading a team of 566 employees. His background includes extensive experience in the financial services industry, with a focus on investment management and retirement solutions. Prior to joining Challenger, he held leadership positions at several major financial institutions, where he was responsible for developing and implementing successful growth strategies. He holds a degree in finance from a leading university and is a recognized expert in the field of retirement income.
Track Record: Under Nicolas Hamilton's leadership, Challenger Limited has achieved significant milestones, including expanding its market share in the Australian retirement services sector and launching new and innovative retirement income products. He has also overseen the company's expansion into new markets and the enhancement of its digital platform. His strategic decisions have contributed to the company's consistent financial performance and its strong reputation in the industry.
CFIGF OTC Market Information
The OTC Other tier represents the lowest tier of over-the-counter (OTC) markets. Unlike stocks listed on major exchanges like the NYSE or NASDAQ, companies on the OTC Other tier often have limited or no financial reporting requirements. This lack of transparency increases the risk for investors. Companies in this tier may be newly formed, distressed, or have chosen not to meet the listing requirements of higher-tier exchanges. Investing in OTC Other stocks carries significant risks due to the limited information available and the potential for fraud or manipulation.
- OTC Tier: OTC Other
- Limited or no financial reporting requirements, making it difficult to assess the company's financial health.
- Low trading volume and liquidity, leading to wide bid-ask spreads and difficulty in executing trades.
- Potential for fraud or manipulation due to the lack of regulatory oversight.
- Higher risk of delisting or going out of business compared to stocks listed on major exchanges.
- Limited access to information and research, making it challenging to make informed investment decisions.
- Verify the company's registration and legal status.
- Attempt to locate and review any available financial statements, even if unaudited.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Understand the risks associated with investing in OTC Other stocks.
- Consult with a financial advisor before making any investment decisions.
- Check for any regulatory actions or legal proceedings involving the company.
- Company has been in operation for several years.
- Company has a professional website with detailed information about its business.
- Company has a physical address and contact information.
- Company has a clear and understandable business model.
- Company has a management team with relevant experience.
What Investors Ask About Challenger Limited (CFIGF) — Financial Services
Is CFIGF a good stock?
Stock Expert AI does not rate CFIGF buy, sell or hold. Challenger Limited has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What do analysts say about CFIGF stock?
Key valuation metrics to consider include the company's P/E ratio of 12.48, profit margin of 16.7%, and dividend yield of 3.74%.
What are the key factors to evaluate for CFIGF?
Evaluate CFIGF on fundamentals, analyst consensus, and risk factors. P/E: 12.48x vs the S&P 500's ~20-25x. A profit margin of 16.7% and a dividend yield of 3.74% highlight its profitability and shareholder returns. Not financial advice.
How frequently does CFIGF data refresh on this page?
CFIGF's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 calculations are scheduled daily at 10:15 UTC; the score's own date shows its last successful run.
What has driven CFIGF's recent stock price performance?
Challenger Limited (CFIGF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong market position in the Australian retirement services sector. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CFIGF overvalued or undervalued right now?
Challenger Limited (CFIGF) trades at 12.48x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of CFIGF?
Yes, most major brokerages offer fractional shares of Challenger Limited (CFIGF) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track CFIGF's earnings and financial reports?
Challenger Limited (CFIGF) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for CFIGF earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- OTC data may be limited or delayed.