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Challenger

ASX:CGF · AU000000CGF5
Diversified Financial ServicesMedium

360

45
Medium confidence — indicative
EV / EBIT22
Price / Owner Earnings51
Owner Earnings Yield73
Dividend Yield53
Price/Sales22
EV / Gross Profit38
Price/Book54
Returns on capital39
Profit margins76
Cash Conversion91
Accruals52
Owner Earnings Margin55
Sales growth25
Profit Growth56
Long-Term EPS Growth52
Owner Earnings Growth97
Reinvestment100
Price momentum56
Debt load25
Debt serviceability67
Liquidity25
Analyst ratings53
Opinion Changes42
Price Target Upside8
Market mood49
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Challenger clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryAustralia
IndustryDiversified Financial Services
SizeMedium
TypePublic Company
ExchangeASX
Employees562
Websitechallenger.com.au
ISINAU000000CGF5
Last UpdateApr 2, 2026
Indices
ASX 100 (Australia)ASX 200 (Australia)ASX 300 (Australia)
Themes
Financial Services

Description

Challenger Limited operates as an investment manager. Segments The company operates through two operating segments, Life and Funds Management. Life This segment comprises Challenger Life Company Limited (CLC), Australia’s major provider of annuit…

Analysis

Middle-of-the-road

Challenger Limited sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.9×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 2% a year, against analyst forecasts of 7%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
10
2023202420252026

All-time high

81

Mar 2024

All-time low

8

May 2023

Average rank

39

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
22
29
15
22
Price/Earnings
50
83
48
28
Price/Book
54
62
52
48
Dividend Yield
53
82
58
63
Value (overall)
26
71
37
55

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →