Xref Limited

A$0.04As of Sun 8 Nov 2026, 12:00 UTC

ASX:XF1Technology

Country Australia

PE (Fwd) •••

TSR 10Y CAGR (24.10%)

Div yield —

ROE —

Software (Application)

Beta (5Y) 0.81

PE TTM —

TSR TTM (78.12%)

Mkt cap A$7.703M

ROIC (29.62%)

SE Grade™

Value

Quality

Moat

Consensus

Reference

$0.039

11.29%

184.74%

Hold 9|4|3|1|11

TTM

FYE 30 Jun AUD

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

5Y

10Y

Peers

1.314

Revenue$M

1.042

1.071

1.129

1.186

1.228

1.266

1.342

1.365

1.397

1.463

1.429

3.56%

3.81%

19

28.85

Revenue growth%

29.81

32.70

30.04

31.16

28.55

30.37

28.44

27.79

28.32

25.65

13.93

28.32

29.18

29

27.33

Gross margin%

19.99

19.92

22.19

24.94

24.15

26.81

28.51

27.53

27.20

24.25

3.90

27.20

24.60

63

24.56

Operating margin%

8.94

6.19

6.97

9.90

9.37

7.67

5.83

5.41

7.91

9.66

12.85

7.67

7.79

60

17.43

Net margin%

3.99

6.43

7.05

5.82

6.23

6.33

5.12

6.39

4.91

2.19

25.97

5.12

6.02

64

23.27

P/E ratio (avg)x

14.44

15.57

18.04

18.49

18.86

19.90

22.83

26.41

27.51

29.09

24.12

26.41

19.38

90

27.39

EV/EBITx

62.77

61.13

67.47

80.89

91.85

94.58

101.4

118.1

125.3

133.3

14.77

118.1

93.22

55

14.62

FCF yield (avg)%

7.73

4.96

6.94

7.77

9.55

9.68

7.26

6.99

8.81

7.25

15.32

7.26

7.50

45

29.51

FCF margin%

11.08

10.09

12.71

11.79

10.96

13.82

14.01

16.56

14.35

13.06

11.20

14.01

12.89

65

0.246

FCF / Net incomex

2.119

1.978

2.214

2.280

2.601

2.940

3.386

3.471

3.913

4.218

1.438

3.471

2.770

54

18.79

ROIC%

28.09

25.98

24.22

22.07

24.33

23.61

21.18

19.13

16.89

15.30

27.37

19.13

22.84

76

2.30

Return on equity%

19.63

19.43

21.58

23.68

21.50

21.82

24.49

26.92

28.35

26.17

19.49

26.17

22.75

18

11.33

Return on assets%

14.93

15.06

12.53

12.80

9.91

9.14

6.41

5.18

5.82

6.73

14.39

6.41

9.53

6

—

EPS$

—

—

—

—

—

—

—

—

—

—

—

(5.66%)

(5.38%)

—

10.91

EPS growth%

3.09

3.64

2.78

4.84

3.92

5.06

4.71

5.52

7.90

6.68

15.83

5.52

4.78

11

—

Bookvalue per sh$

—

—

—

—

—

—

—

—

—

—

—

2.53%

0.48%

—

—

FCF per share$

—

—

—

—

0.01

0.01

0.01

0.01

0.01

0.01

—

7.87%

5.23%

—

—

Dividend per sh$

—

—

—

—

—

—

—

—

—

—

—

5.13%

4.66%

—

26.61

Div yield (avg)%

20.98

23.61

22.80

25.31

25.95

23.03

22.15

24.16

22.66

20.15

23.20

22.66

22.91

38

4.54

Payout ratio%

7.35

5.97

5.42

3.79

6.53

7.65

8.93

6.37

6.37

4.30

7.80

6.37

6.37

43

222.9

Shares (diluted)M

258.7

277.2

266.7

300.3

348.0

323.2

363.4

359.6

346.8

399.7

216.2

2.81%

3.86%

86

3.68

Buyback yield%

6.30

6.86

9.73

11.81

12.83

12.01

9.63

10.91

10.65

13.38

13.42

10.91

10.78

24

0.646

D/E ratiox

1.066

1.182

1.100

1.189

1.251

1.239

1.157

1.309

1.221

1.342

1.348

1.239

1.205

79

1.255

Enterprise value$M

0.685

0.676

0.638

0.683

0.750

0.764

0.828

0.780

0.833

0.807

0.390

1.48%

2.87%

72

1.075

LT debt$M

1.040

1.084

1.013

1.001

0.972

1.012

0.910

0.945

1.051

0.934

1.415

(0.79%)

(0.36%)

81

Peers (US$5.291M)

Cap (US$)

PE

6.154M

—

OpenLearning Limited

5.372M

—

Simble Solutions…

4.571M

—

Compodium Internationa…

5.306M

—

Capital

TTM

5Y

10Y

Leveragex

0.543

(0.107)

(0.099)

EBIT/Intx

1.735

0.162

0.156

Own earn%

(75.15)

(99.06)

(115.00)

Sh yield%

30.29

33.53

33.42

Owners

Insiders/Inst%

5.94

32.26

Short interest%

3.48

SBC / revenue%

3.68

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

24

Op margin range%

5–10

$1 testx

—

Incr. ROIC%

2

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Revenue

$1.463M

3.81%

1.00×

Cost of revenue

$1.012M

3.85%

1.00×

Operating expenses

$0.261M

4.54%

1.07×