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AU Business Analysis

Post Office (LPO) ROI Calculator

Model Licensed Post Office and post-retail economics.

Licensed Post Offices (LPOs) earn commissions on AusPost services plus retail revenue from stationery, packaging and gifts. The LPO agreement is the foundational asset.

Wages % of revenue
8–15%
Typical range
Rent % of revenue
5–10%
Typical range
COGS % of revenue
55–70%
Typical range
Net margin %
5–10%
Healthy band

Sources: Australia Post — Information for Licensees · ATO Small Business Benchmarks

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Business Details

2

Revenue

3

Annual Expenses

4

Purchase & Loan

5

Owner Details

Owner salary already in expenses?
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6

Scenario Testing

Sales Drop0%
Rent Increase0%
Wage Increase0%
Interest Rate Rise0pp
Live Analysis

Post Office

Post Office · benchmarks: Australian industry data

CautionModerate Risk
Net Profit
$24,900
Margin 3.8%
EBITDA
$99,900
Before owner & loans
ROI
8.6%
Payback 11.6 yrs
DSCR
2.19
Debt cover ratio
Monthly Repayment
$3,801
$45,609 p.a.
Cashflow After Loan
-$20,709
Break-even Revenue
$708,526
$13,625/week
Owner Earnings
$99,900
Profit + replacement salary

Investment Risk Score

70/100
Moderate Risk

Higher score = safer investment

Revenue Breakdown

  • COGS58.5%
  • Wages12.3%
  • Rent6.9%
  • Other18.5%
  • Net Profit3.8%

Industry Benchmarks · Post Office

vs Australian averages
Wage RatioHealthy
12.3%
Benchmark: 8%–15%
Rent RatioHealthy
6.9%
Benchmark: 5%–10%
COGS RatioHealthy
58.5%
Benchmark: 55%–70%
Net MarginCaution
3.8%
Benchmark: 5%–10%

Loan Repayment Projection

Outstanding balance over loan term

Insights

Strengths
  • • DSCR of 2.19 indicates comfortable loan serviceability.
Weaknesses
  • No major weaknesses detected.
Red Flags
  • • Cashflow after loan repayments is negative (-$20,709).
Buyer Questions
  • • Can you provide 3 years of tax returns and BAS statements?
  • • What is the remaining lease term and rent review schedule?
  • • Are there any key staff dependencies or pending resignations?
  • • How transferable are supplier and franchise agreements?
  • • Why is the current owner selling?
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General information only. This calculator provides general information only and does not take into account your personal circumstances, financial situation, objectives, taxation position, or business needs. Please seek independent professional advice before making financial or business decisions.

What makes a healthy Post Office business?

Commission income from parcels, banking and bill payments is the most stable revenue. Retail sales (cards, stationery, gifts) typically add 30–50% of total revenue.

Parcel volume has grown strongly with e-commerce — LPOs in high-foot-traffic locations near residential areas benefit most.

The LPO agreement with Australia Post is non-negotiable and must transfer with the business. Always verify with AusPost early in DD.

Typical asking-price multiple

1.5× – 2.5× SDE (Seller's Discretionary Earnings). High-volume parcel LPOs in growing suburbs trade higher.

Red flags
  • • LPO agreement transfer not pre-approved by AusPost
  • • Commission rates being restructured by AusPost
  • • Retail revenue mix below 25% (over-reliance on commissions)
  • • Insufficient back-room space for parcel storage
Green flags
  • • Parcel volume growing with local population
  • • Diversified retail (cards, packaging, gifts, stationery)
  • • Long lease, ground floor, ample parking
Key due-diligence questions
  • 1. Has AusPost confirmed they'll approve the LPO transfer?
  • 2. What's the commission breakdown by service category?
  • 3. What's the parcel volume trend over 3 years?
  • 4. Is there a competing post office or parcel collection point nearby?

Frequently asked questions