Australian Finance Group Ltd
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1. Quick Overview
1.1. Quick analysis of Australian Finance Group Ltd (30 sec.)
1.2. What can you expect buying and holding a share of Australian Finance Group Ltd? (30 sec.)
How much money do you get?
What is your share worth?
+ What do you gain per year?
2. Detailed Analysis
2.1. Valuation of Australian Finance Group Ltd (5 min.)
2.2. Growth of Australian Finance Group Ltd (5 min.)
Is Australian Finance Group Ltd growing?
Current year | Previous year | Grow | Grow % | |
---|---|---|---|---|
How rich? | $325.8m | $124.9m | $200.9m | 61.6% |
How much money is Australian Finance Group Ltd making?
Current year | Previous year | Grow | Grow % | |
---|---|---|---|---|
Making money | $18.1m | $23.3m | -$5.2m | -28.8% |
Net Profit Margin | 2.6% | 3.6% | - | - |
How much money comes from the company's main activities?
2.3. Financial Health of Australian Finance Group Ltd (5 min.)
2.4. Comparing to competitors in the Mortgage Finance industry (5 min.)
Industry Rankings (Mortgage Finance)
3. Summary and Key Metrics
3.1. What can you expect buying and holding a share of Australian Finance Group Ltd?
Welcome investor! Australian Finance Group Ltd's management wants to use your money to grow the business. In return you get a share of Australian Finance Group Ltd.
First you should know what it really means to hold a share of Australian Finance Group Ltd. And how you can make/lose money.
Speculation
The Price per Share of Australian Finance Group Ltd is A$1.795. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.
If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:
- The fundamentals: the financial health trends of Australian Finance Group Ltd.
- The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
- The book value: what is the market price compared to it's book value.
Investing
If you really want to invest in Australian Finance Group Ltd, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:
- You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$1.90. Based on the TTM, the Book Value Change Per Share is A$1.17 per quarter. Based on the YOY, the Book Value Change Per Share is A$-0.02 per quarter.
- You may receive quarterly/yearly dividend in the form of additional shares.
- You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.09 per quarter.
How much money are you going to get?
MRQ | TTM | YOY | 5Y | 10Y | ||||||
---|---|---|---|---|---|---|---|---|---|---|
A$ | % of Price per Share | A$ | % of Price per Share | A$ | % of Price per Share | A$ | % of Price per Share | A$ | % of Price per Share | |
Usd Eps | 0.07 | 3.7% | 0.07 | 3.7% | 0.09 | 4.7% | 0.09 | 5.0% | 0.08 | 4.4% |
Usd Book Value Change Per Share | 0.73 | 40.8% | 0.73 | 40.8% | -0.02 | -0.9% | 0.19 | 10.6% | 0.10 | 5.5% |
Usd Dividend Per Share | 0.05 | 3.0% | 0.05 | 3.0% | 0.10 | 5.6% | 0.07 | 4.1% | 0.07 | 3.8% |
Usd Total Gains Per Share | 0.79 | 43.8% | 0.79 | 43.8% | 0.08 | 4.7% | 0.26 | 14.6% | 0.17 | 9.3% |
Usd Price Per Share | 0.86 | - | 0.86 | - | 1.12 | - | 1.16 | - | 0.96 | - |
Price to Earnings Ratio | 13.06 | - | 13.06 | - | 13.15 | - | 12.82 | - | 12.10 | - |
Price-to-Total Gains Ratio | 1.10 | - | 1.10 | - | 13.24 | - | 8.77 | - | 9.80 | - |
Price to Book Ratio | 0.73 | - | 0.73 | - | 2.46 | - | 2.32 | - | 2.93 | - |
Price-to-Total Gains Ratio | 1.10 | - | 1.10 | - | 13.24 | - | 8.77 | - | 9.80 | - |
When do you get the money?
Usd Investment | |
---|---|
Usd Price Per Share | 1.122952 |
Number of shares | 890 |
Gains per Quarter | Trailing 12 Months | 5 Year |
---|---|---|
Usd Dividend Per Share | 0.05 | 0.07 |
Usd Book Value Change Per Share | 0.73 | 0.19 |
Usd Total Gains Per Share | 0.79 | 0.26 |
Gains per Quarter (890 shares) | 700.43 | 233.52 |
Gains per Year (890 shares) | 2,801.72 | 934.09 |
Years | Return on Investment (TTM) | Return on Investment (5Y) | ||||
---|---|---|---|---|---|---|
Dividend | Book Value gain | Total gains | Dividend | Book Value gain | Total gains | |
Broker costs | - | - | -10 | - | - | -10 |
1 | 192 | 2609 | 2792 | 260 | 675 | 924 |
2 | 385 | 5219 | 5594 | 519 | 1349 | 1858 |
3 | 577 | 7828 | 8396 | 779 | 2024 | 2792 |
4 | 770 | 10437 | 11198 | 1038 | 2698 | 3726 |
5 | 962 | 13047 | 14000 | 1298 | 3373 | 4660 |
6 | 1154 | 15656 | 16802 | 1557 | 4047 | 5594 |
7 | 1347 | 18265 | 19604 | 1817 | 4722 | 6528 |
8 | 1539 | 20874 | 22406 | 2076 | 5396 | 7462 |
9 | 1732 | 23484 | 25208 | 2336 | 6071 | 8396 |
10 | 1924 | 26093 | 28010 | 2595 | 6746 | 9330 |
How sure are you?
Based on the past periods, how sure are you to get value out of your investment.
Linear %
Trailing 12 Months | 3Y | 5 Year | 10 Year | ALLTIME | ||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
% | % | % | % | % | ||||||||||||||||
Earnings Per Share | 1.0 | 0.0 | 0.0 | 100.0% | 3.0 | 0.0 | 0.0 | 100.0% | 5.0 | 0.0 | 0.0 | 100.0% | 10.0 | 0.0 | 0.0 | 100.0% | 15.0 | 1.0 | 0.0 | 93.8% |
Book Value Change Per Share | 1.0 | 0.0 | 0.0 | 100.0% | 2.0 | 1.0 | 0.0 | 66.7% | 4.0 | 1.0 | 0.0 | 80.0% | 7.0 | 3.0 | 0.0 | 70.0% | 11.0 | 5.0 | 0.0 | 68.8% |
Dividend per Share | 1.0 | 0.0 | 0.0 | 100.0% | 3.0 | 0.0 | 0.0 | 100.0% | 5.0 | 0.0 | 0.0 | 100.0% | 10.0 | 0.0 | 0.0 | 100.0% | 16.0 | 0.0 | 0.0 | 100.0% |
Total Gains per Share | 1.0 | 0.0 | 0.0 | 100.0% | 3.0 | 0.0 | 0.0 | 100.0% | 5.0 | 0.0 | 0.0 | 100.0% | 10.0 | 0.0 | 0.0 | 100.0% | 14.0 | 2.0 | 0.0 | 87.5% |
3.2. Key Performance Indicators
The key performance indicators of Australian Finance Group Ltd compared to the Most Recent Quarter (MRQ).
End of day | +/- | Most Recent Quarter | Trailing 12 Months | +/- | Year-Over-Year | +/- | 5 Year | +/- | 10 Year | +/- | |
---|---|---|---|---|---|---|---|---|---|---|---|
Book Value Change Per Share | - | - | 1.172 | 1.172 | 0% | -0.025 | +102% | 0.303 | +287% | 0.158 | +639% |
Book Value Per Share | - | - | 1.900 | 1.900 | 0% | 0.729 | +161% | 0.957 | +99% | 0.651 | +192% |
Current Ratio | - | - | -0.478 | -0.478 | 0% | 0.264 | -281% | 0.259 | -285% | 0.542 | -188% |
Debt To Asset Ratio | - | - | 0.917 | 0.917 | 0% | 0.968 | -5% | 0.954 | -4% | 0.955 | -4% |
Debt To Equity Ratio | - | - | 29.679 | 29.679 | 0% | 34.193 | -13% | 28.659 | +4% | 25.557 | +16% |
Dividend Per Share | - | - | 0.086 | 0.086 | 0% | 0.160 | -46% | 0.117 | -26% | 0.108 | -20% |
Enterprise Value | - | - | -5170381820.000 | -5170381820.000 | 0% | -5409641990.000 | +5% | -4636321900.000 | -10% | -3147813333.430 | -39% |
Eps | - | - | 0.106 | 0.106 | 0% | 0.136 | -22% | 0.143 | -26% | 0.126 | -16% |
Ev To Ebitda Ratio | - | - | -17.717 | -17.717 | 0% | -20.634 | +16% | -28.249 | +59% | -207.619 | +1072% |
Ev To Sales Ratio | - | - | -4.713 | -4.713 | 0% | -5.279 | +12% | -5.097 | +8% | -3.975 | -16% |
Free Cash Flow Per Share | - | - | 0.104 | 0.104 | 0% | 0.187 | -44% | 0.154 | -32% | 0.125 | -17% |
Free Cash Flow To Equity Per Share | - | - | -0.088 | -0.088 | 0% | -1.302 | +1387% | 1.900 | -105% | 1.345 | -107% |
Gross Profit Margin | - | - | 0.837 | 0.837 | 0% | 0.817 | +2% | 0.881 | -5% | 0.877 | -5% |
Intrinsic Value_10Y_max | - | - | 1.502 | - | - | - | - | - | - | - | - |
Intrinsic Value_10Y_min | - | - | -0.170 | - | - | - | - | - | - | - | - |
Intrinsic Value_1Y_max | - | - | 0.154 | - | - | - | - | - | - | - | - |
Intrinsic Value_1Y_min | - | - | 0.090 | - | - | - | - | - | - | - | - |
Intrinsic Value_3Y_max | - | - | 0.460 | - | - | - | - | - | - | - | - |
Intrinsic Value_3Y_min | - | - | 0.180 | - | - | - | - | - | - | - | - |
Intrinsic Value_5Y_max | - | - | 0.763 | - | - | - | - | - | - | - | - |
Intrinsic Value_5Y_min | - | - | 0.169 | - | - | - | - | - | - | - | - |
Market Cap | 486030340.640 | +22% | 378273180.000 | 378273180.000 | 0% | 490673010.000 | -23% | 503827700.000 | -25% | 417017066.670 | -9% |
Net Profit Margin | - | - | 0.026 | 0.026 | 0% | 0.036 | -27% | 0.045 | -42% | 0.048 | -45% |
Operating Margin | - | - | 0.259 | 0.259 | 0% | 0.249 | +4% | 0.190 | +36% | 0.108 | +141% |
Operating Ratio | - | - | 0.761 | 0.761 | 0% | 0.751 | +1% | 0.813 | -6% | 1.283 | -41% |
Pb Ratio | 0.945 | +23% | 0.726 | 0.726 | 0% | 2.456 | -70% | 2.321 | -69% | 2.931 | -75% |
Pe Ratio | 16.981 | +23% | 13.055 | 13.055 | 0% | 13.151 | -1% | 12.822 | +2% | 12.097 | +8% |
Price Per Share | 1.795 | +23% | 1.380 | 1.380 | 0% | 1.790 | -23% | 1.848 | -25% | 1.533 | -10% |
Price To Free Cash Flow Ratio | 17.209 | +23% | 13.230 | 13.230 | 0% | 9.578 | +38% | 12.002 | +10% | 14.119 | -6% |
Price To Total Gains Ratio | 1.427 | +23% | 1.097 | 1.097 | 0% | 13.240 | -92% | 8.767 | -87% | 9.798 | -89% |
Quick Ratio | - | - | 0.099 | 0.099 | 0% | 5.288 | -98% | 4.703 | -98% | 4.927 | -98% |
Return On Assets | - | - | 0.005 | 0.005 | 0% | 0.006 | -22% | 0.007 | -37% | 0.011 | -56% |
Return On Equity | - | - | 0.149 | 0.149 | 0% | 0.208 | -28% | 0.207 | -28% | 0.261 | -43% |
Total Gains Per Share | - | - | 1.258 | 1.258 | 0% | 0.135 | +830% | 0.419 | +200% | 0.267 | +372% |
Usd Book Value | - | - | 325883798.400 | 325883798.400 | 0% | 124977363.200 | +161% | 163571252.800 | +99% | 110950535.360 | +194% |
Usd Book Value Change Per Share | - | - | 0.733 | 0.733 | 0% | -0.015 | +102% | 0.189 | +287% | 0.099 | +639% |
Usd Book Value Per Share | - | - | 1.189 | 1.189 | 0% | 0.456 | +161% | 0.599 | +99% | 0.407 | +192% |
Usd Dividend Per Share | - | - | 0.054 | 0.054 | 0% | 0.100 | -46% | 0.073 | -26% | 0.068 | -20% |
Usd Enterprise Value | - | - | -3234590866.592 | -3234590866.592 | 0% | -3384272028.944 | +5% | -2900482980.640 | -10% | -1969272021.394 | -39% |
Usd Eps | - | - | 0.066 | 0.066 | 0% | 0.085 | -22% | 0.089 | -26% | 0.079 | -16% |
Usd Free Cash Flow | - | - | 17887155.200 | 17887155.200 | 0% | 32049488.000 | -44% | 26336133.440 | -32% | 21303369.057 | -16% |
Usd Free Cash Flow Per Share | - | - | 0.065 | 0.065 | 0% | 0.117 | -44% | 0.097 | -32% | 0.078 | -17% |
Usd Free Cash Flow To Equity Per Share | - | - | -0.055 | -0.055 | 0% | -0.814 | +1387% | 1.188 | -105% | 0.841 | -107% |
Usd Market Cap | 304060581.104 | +22% | 236647701.408 | 236647701.408 | 0% | 306965035.056 | -23% | 315194609.120 | -25% | 260885876.909 | -9% |
Usd Price Per Share | 1.123 | +23% | 0.863 | 0.863 | 0% | 1.120 | -23% | 1.156 | -25% | 0.959 | -10% |
Usd Profit | - | - | 18126760.000 | 18126760.000 | 0% | 23342387.200 | -22% | 24329083.520 | -25% | 21452449.600 | -16% |
Usd Revenue | - | - | 686294460.800 | 686294460.800 | 0% | 641044812.800 | +7% | 565793390.720 | +21% | 462650343.360 | +48% |
Usd Total Gains Per Share | - | - | 0.787 | 0.787 | 0% | 0.085 | +830% | 0.262 | +200% | 0.167 | +372% |
EOD | +4 -4 | MRQ | TTM | +0 -0 | YOY | +21 -19 | 5Y | +15 -25 | 10Y | +15 -25 |
3.3 Fundamental Score
Penke's Stock Scanner
Indicator | Condition | Value | ||
---|---|---|---|---|
Price to Earnings Ratio (EOD) | Between | 0-15 | 16.981 | |
Price to Book Ratio (EOD) | Between | 0-1 | 0.945 | |
Net Profit Margin (MRQ) | Greater than | 0 | 0.026 | |
Operating Margin (MRQ) | Greater than | 0 | 0.259 | |
Quick Ratio (MRQ) | Greater than | 1 | 0.099 | |
Current Ratio (MRQ) | Greater than | 1 | -0.478 | |
Debt to Asset Ratio (MRQ) | Less than | 1 | 0.917 | |
Debt to Equity Ratio (MRQ) | Less than | 1 | 29.679 | |
Return on Equity (MRQ) | Greater than | 0.15 | 0.149 | |
Return on Assets (MRQ) | Greater than | 0.05 | 0.005 | |
Total | 4/10 (40.0%) |
3.4 Technical Score
Penke's Symbol Scanner
Indicator | Condition | Value | ||
---|---|---|---|---|
Open | Greater than | Close | 1.770 | |
Total | 0/1 (0.0%) |
4. In-depth Analysis
4.1 About Australian Finance Group Ltd
- https://www.afgonline.com.au
- Mortgage Finance
- 317
- 100 Havelock Street, West Perth, WA, Australia, 6005
Google Maps Bing Maps
Australian Finance Group Limited, together with its subsidiaries, engages in the mortgage broking business in Australia. The company operates through Central, Distribution, and Manufacturing segments. It is involved in the mortgage origination and management of home and commercial loans, and consumer asset finance; and distribution of own branded home loan products. In addition, the company provides Suite360, commercial and business broking, analytics, business data, and smart marketing platforms. The company was formerly known as Australian Finance Group Pty Ltd. Australian Finance Group Limited was incorporated in 1994 and is headquartered in West Perth, Australia.
Fundamental data was last updated by Penke on 2025-02-08 13:35:02.
4.2 In-depth Summary
4.2.1. Financial Health Summary
Compared to previous year | Compared to industry | |
---|---|---|
The company is making a profit. | ||
Using its assets, the company is inefficient in making profit. | ||
Using its investors money, the company is less efficient in making profit. |
Compared to previous year | Compared to industry | |
---|---|---|
The company is operating very efficient. | ||
The company is efficient in keeping operating costs low. |
Compared to previous year | Compared to industry | |
---|---|---|
The company is unable to pay all its short-term debts. | ||
The company is just not able to pay all its short-term debts with the most liquid assets. |
Compared to previous year | Compared to industry | |
---|---|---|
The company is just able to pay all its debts by selling its assets. | ||
The company is unable to pay all its debts with equity. |
4.2.2. Valuation Summary
Compared to previous year | Compared to industry | |
---|---|---|
Based on the equity, the company is cheap. | ||
Based on the earnings, the company is underpriced. | ||
Based on how much money comes from the company's main activities, the company is cheap. |
4.3 Financial Health
4.3.1. Profitability
4.3.1 Profitability
4.3.1.1. Net Profit Margin
- Above 10% is considered healthy but always compare Australian Finance Group Ltd to the Mortgage Finance industry mean.
- A Net Profit Margin of 2.6% means that $0.03 for each $1 in revenue is generated as profit.
Let's take a look of the Net Profit Margin trends of Australian Finance Group Ltd:
Trends
- The YOY is 3.6%. Compared to the TTM, the mid term is trending down. -2
- The 5Y is 4.5%. Compared to the TTM, the 5Y term is trending down. -2
- The 10Y is 4.8%. Compared to the 5Y term, the 10Y term is trending down. -2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | 2.6% | TTM | 2.6% | 0.0% | |
TTM | 2.6% | YOY | 3.6% | -1.0% | |
TTM | 2.6% | 5Y | 4.5% | -1.9% | |
5Y | 4.5% | 10Y | 4.8% | -0.3% |
Compared to industry (Mortgage Finance)
Let compare the company's Net Profit Margin with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 53.2%. trending down. -2
- The TTM average (mean) in the Mortgage Finance industry is 50.4%. trending down. -2
4.3.1.2. Return on Assets
- Above 5% is considered healthy but always compare Australian Finance Group Ltd to the Mortgage Finance industry mean.
- 0.5% Return on Assets means that Australian Finance Group Ltd generated $0.00 profit for each $1 in assets.
Let's take a look of the Return on Assets trends of Australian Finance Group Ltd:
Trends
- The YOY is 0.6%. Compared to the TTM, the mid term is trending down. -2
- The 5Y is 0.7%. Compared to the TTM, the 5Y term is trending down. -2
- The 10Y is 1.1%. Compared to the 5Y term, the 10Y term is trending down. -2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | 0.5% | TTM | 0.5% | 0.0% | |
TTM | 0.5% | YOY | 0.6% | -0.1% | |
TTM | 0.5% | 5Y | 0.7% | -0.3% | |
5Y | 0.7% | 10Y | 1.1% | -0.3% |
Compared to industry (Mortgage Finance)
Let compare the company's Return on Assets with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 0.1%. trending up. +2
- The TTM average (mean) in the Mortgage Finance industry is 0.1%. trending up. +2
4.3.1.3. Return on Equity
- Above 15%-20% is considered healthy but always compare Australian Finance Group Ltd to the Mortgage Finance industry mean.
- 14.9% Return on Equity means Australian Finance Group Ltd generated $0.15 for each $1 the owners (shareholders) invested.
Let's take a look of the Return on Equity trends of Australian Finance Group Ltd:
Trends
- The YOY is 20.8%. Compared to the TTM, the mid term is trending down. -2
- The 5Y is 20.7%. Compared to the TTM, the 5Y term is trending down. -2
- The 10Y is 26.1%. Compared to the 5Y term, the 10Y term is trending down. -2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | 14.9% | TTM | 14.9% | 0.0% | |
TTM | 14.9% | YOY | 20.8% | -5.9% | |
TTM | 14.9% | 5Y | 20.7% | -5.8% | |
5Y | 20.7% | 10Y | 26.1% | -5.4% |
Compared to industry (Mortgage Finance)
Let compare the company's Return on Equity with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 4.5%. trending up. +2
- The TTM average (mean) in the Mortgage Finance industry is 5.0%. trending up. +2
4.3.2. Operating Efficiency of Australian Finance Group Ltd.
4.3.2. Operating Efficiency
4.3.2.1. Operating Margin
- Measures how much profit Australian Finance Group Ltd makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
- Above 15% is considered healthy but always compare Australian Finance Group Ltd to the Mortgage Finance industry mean.
- An Operating Margin of 25.9% means the company generated $0.26 for each $1 in revenue (before taxes).
Let's take a look of the Operating Margin trends of Australian Finance Group Ltd:
Trends
- The YOY is 24.9%. Compared to the TTM, the mid term is trending up. +2
- The 5Y is 19.0%. Compared to the TTM, the 5Y term is trending up. +2
- The 10Y is 10.8%. Compared to the 5Y term, the 10Y term is trending up. +2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | 25.9% | TTM | 25.9% | 0.0% | |
TTM | 25.9% | YOY | 24.9% | +1.0% | |
TTM | 25.9% | 5Y | 19.0% | +6.9% | |
5Y | 19.0% | 10Y | 10.8% | +8.2% |
Compared to industry (Mortgage Finance)
Let compare the company's Operating Margin with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 35.9%. trending down. -2
- The TTM average (mean) in the Mortgage Finance industry is 48.8%. trending down. -2
4.3.2.2. Operating Ratio
- Below 1 is considered healthy (always compare to Mortgage Finance industry mean).
- An Operation Ratio of 0.76 means that the operating costs are $0.76 for each $1 in net sales.
Let's take a look of the Operating Ratio trends of Australian Finance Group Ltd:
Trends
- The YOY is 0.751. Compared to the TTM, the mid term is trending up. -2
- The 5Y is 0.813. Compared to the TTM, the 5Y term is trending down. +2
- The 10Y is 1.283. Compared to the 5Y term, the 10Y term is trending down. +2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | 0.761 | TTM | 0.761 | 0.000 | |
TTM | 0.761 | YOY | 0.751 | +0.010 | |
TTM | 0.761 | 5Y | 0.813 | -0.053 | |
5Y | 0.813 | 10Y | 1.283 | -0.469 |
Compared to industry (Mortgage Finance)
Let compare the company's Operating Ratio with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 0.736. trending up. -2
- The TTM average (mean) in the Mortgage Finance industry is 0.697. trending up. -2
4.4.3. Liquidity of Australian Finance Group Ltd.
4.4.3. Liquidity
4.4.3.1. Current Ratio
- Above 1.5 is considered healthy (always compare to Mortgage Finance industry mean).
- A Current Ratio of -0.48 means the company has $-0.48 in assets for each $1 in short-term debts.
Let's take a look of the Current Ratio trends of Australian Finance Group Ltd:
Trends
- The YOY is 0.264. Compared to the TTM, the mid term is trending down. -2
- The 5Y is 0.259. Compared to the TTM, the 5Y term is trending down. -2
- The 10Y is 0.542. Compared to the 5Y term, the 10Y term is trending down. -2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | -0.478 | TTM | -0.478 | 0.000 | |
TTM | -0.478 | YOY | 0.264 | -0.742 | |
TTM | -0.478 | 5Y | 0.259 | -0.736 | |
5Y | 0.259 | 10Y | 0.542 | -0.283 |
Compared to industry (Mortgage Finance)
Let compare the company's Current Ratio with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 1.683. trending down. -2
- The TTM average (mean) in the Mortgage Finance industry is 1.349. trending down. -2
4.4.3.2. Quick Ratio
- Above 1 is considered healthy but always compare Australian Finance Group Ltd to the Mortgage Finance industry mean.
- A Quick Ratio of 0.10 means the company can pay off $0.10 for each $1 in debt (using most liquid assets).
Let's take a look of the Quick Ratio trends of Australian Finance Group Ltd:
Trends
- The YOY is 5.288. Compared to the TTM, the mid term is trending down. -2
- The 5Y is 4.703. Compared to the TTM, the 5Y term is trending down. -2
- The 10Y is 4.927. Compared to the 5Y term, the 10Y term is trending down. -2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | 0.099 | TTM | 0.099 | 0.000 | |
TTM | 0.099 | YOY | 5.288 | -5.189 | |
TTM | 0.099 | 5Y | 4.703 | -4.604 | |
5Y | 4.703 | 10Y | 4.927 | -0.224 |
Compared to industry (Mortgage Finance)
Let compare the company's Quick Ratio with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 0.839. trending down. -2
- The TTM average (mean) in the Mortgage Finance industry is 0.833. trending down. -2
4.5.4. Solvency of Australian Finance Group Ltd.
4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio
- Below 1 (100%) is considered healthy but always compare Australian Finance Group Ltd to Mortgage Finance industry mean.
- A Debt to Asset Ratio of 0.92 means that Australian Finance Group Ltd assets are financed with 91.7% credit (debt) and the remaining percentage (100% - 91.7%) is financed by its owners/shareholders.
Let's take a look of the Debt to Asset Ratio trends of Australian Finance Group Ltd:
Trends
- The YOY is 0.968. Compared to the TTM, the mid term is trending down. +2
- The 5Y is 0.954. Compared to the TTM, the 5Y term is trending down. +2
- The 10Y is 0.955. Compared to the 5Y term, the 10Y term is trending down. +2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | 0.917 | TTM | 0.917 | 0.000 | |
TTM | 0.917 | YOY | 0.968 | -0.051 | |
TTM | 0.917 | 5Y | 0.954 | -0.036 | |
5Y | 0.954 | 10Y | 0.955 | -0.001 |
Compared to industry (Mortgage Finance)
Let compare the company's Debt to Asset Ratio with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 0.941. trending down. +2
- The TTM average (mean) in the Mortgage Finance industry is 0.943. trending down. +2
4.5.4.2. Debt to Equity Ratio
- Below 2 is considered healthy but always compare Australian Finance Group Ltd to the Mortgage Finance industry mean.
- A Debt to Equity ratio of 2,967.9% means that company has $29.68 debt for each $1 in shareholders equity.
Let's take a look of the Debt to Equity Ratio trends of Australian Finance Group Ltd:
Trends
- The YOY is 34.193. Compared to the TTM, the mid term is trending down. +2
- The 5Y is 28.659. Compared to the TTM, the 5Y term is trending up. -2
- The 10Y is 25.557. Compared to the 5Y term, the 10Y term is trending up. -2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
MRQ | 29.679 | TTM | 29.679 | 0.000 | |
TTM | 29.679 | YOY | 34.193 | -4.514 | |
TTM | 29.679 | 5Y | 28.659 | +1.020 | |
5Y | 28.659 | 10Y | 25.557 | +3.103 |
Compared to industry (Mortgage Finance)
Let compare the company's Debt to Equity Ratio with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 32.480. trending down. +2
- The TTM average (mean) in the Mortgage Finance industry is 32.480. trending down. +2
4.6. Market Valuation
4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio
- Above 15 is considered overpriced but always compare Australian Finance Group Ltd to the Mortgage Finance industry mean.
- A PE ratio of 13.06 means the investor is paying $13.06 for every $1 in earnings.
Let's take a look of the Price to Earnings Ratio trends of Australian Finance Group Ltd:
Trends
- The YOY is 13.151. Compared to the TTM, the mid term is trending down. +2
- The 5Y is 12.822. Compared to the TTM, the 5Y term is trending up. -2
- The 10Y is 12.097. Compared to the 5Y term, the 10Y term is trending up. -2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
EOD | 16.981 | MRQ | 13.055 | +3.926 | |
MRQ | 13.055 | TTM | 13.055 | 0.000 | |
TTM | 13.055 | YOY | 13.151 | -0.095 | |
TTM | 13.055 | 5Y | 12.822 | +0.234 | |
5Y | 12.822 | 10Y | 12.097 | +0.724 |
Compared to industry (Mortgage Finance)
Let compare the company's Price to Earnings Ratio with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 3.942. trending up. -2
- The TTM average (mean) in the Mortgage Finance industry is 3.638. trending up. -2
4.6.2.2. Price To Free Cash Flow Ratio
Let's take a look of the Price To Free Cash Flow Ratio trends of Australian Finance Group Ltd:
- The EOD is 17.209. Based on how much money comes from the company's main activities, the company is underpriced. +1
- The MRQ is 13.230. Based on how much money comes from the company's main activities, the company is cheap. +2
- The TTM is 13.230. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
- The YOY is 9.578. Compared to the TTM, the mid term is trending up. -2
- The 5Y is 12.002. Compared to the TTM, the 5Y term is trending up. -2
- The 10Y is 14.119. Compared to the 5Y term, the 10Y term is trending down. +2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
EOD | 17.209 | MRQ | 13.230 | +3.979 | |
MRQ | 13.230 | TTM | 13.230 | 0.000 | |
TTM | 13.230 | YOY | 9.578 | +3.652 | |
TTM | 13.230 | 5Y | 12.002 | +1.228 | |
5Y | 12.002 | 10Y | 14.119 | -2.117 |
Compared to industry (Mortgage Finance)
Let compare the company's priceToFreeCashFlowRatio with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 0.328. trending up. -2
- The TTM average (mean) in the Mortgage Finance industry is 1.845. trending up. -2
4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio
- At or below 1 is considered healthy (always compare to Mortgage Finance industry mean).
- A PB ratio of 0.73 means the investor is paying $0.73 for each $1 in book value.
Let's take a look of the Price to Book Ratio trends of Australian Finance Group Ltd:
Trends
- The YOY is 2.456. Compared to the TTM, the mid term is trending down. +2
- The 5Y is 2.321. Compared to the TTM, the 5Y term is trending down. +2
- The 10Y is 2.931. Compared to the 5Y term, the 10Y term is trending down. +2
Current period | Compared to | +/- | |||
---|---|---|---|---|---|
EOD | 0.945 | MRQ | 0.726 | +0.218 | |
MRQ | 0.726 | TTM | 0.726 | 0.000 | |
TTM | 0.726 | YOY | 2.456 | -1.730 | |
TTM | 0.726 | 5Y | 2.321 | -1.595 | |
5Y | 2.321 | 10Y | 2.931 | -0.610 |
Compared to industry (Mortgage Finance)
Let compare the company's Price to Book Ratio with the average (mean) in the Mortgage Finance industry:
- The MRQ average (mean) in the Mortgage Finance industry is 0.489. trending up. -2
- The TTM average (mean) in the Mortgage Finance industry is 0.445. trending up. -2
4.6.2. Total Gains per Share
4.7 Holders & Insider Transactions
Let's take a look at which institutions, funds and insiders are holding shares of Australian Finance Group Ltd.
4.8.2. Funds holding Australian Finance Group Ltd
Date | Name | Total Shares | Total Assets | Current Shares | Change | % |
---|---|---|---|---|---|---|
2021-01-31 | DFA Asia Pacific Small Company Series | 0.6 | - | 1604223 | - | - |
2021-02-28 | WisdomTree Tr-WisdomTree International Small Cap Dividend Fd | 0.27 | - | 720382 | - | - |
2021-01-31 | DFA International Core Equity Portfolio | 0.15 | - | 403684 | - | - |
2021-02-28 | SPDR (R) Idx Shares-SPDR (R) S&P (R) International Small Cap ETF | 0.05 | - | 130555 | - | - |
2021-02-28 | Avantis International Small Cap Value ETF | 0.029999999 | - | 83157 | - | - |
2021-01-31 | DFA International Sustainability Core 1 Portfolio | 0.02 | - | 56056 | - | - |
2021-01-31 | John Hancock Fds II-International Small Company Fund | 0.02 | - | 55559 | - | - |
2021-01-31 | DFA Investment Dimensions-World Ex U.S. Core Equity Port | 0.02 | - | 51890 | - | - |
2021-01-31 | DFA T.A. World Ex U.S. Core Equity Portfolio | 0.02 | - | 48296 | - | - |
2021-01-31 | DFA Investment Dimensions-DFA International Social Core Equity Port | 0.01 | - | 38224 | - | - |
Total | 1.189999999 | 0 | 3192026 | 0 | 0.0% |
5. Financial Statements
5.1. Reversals in quarterly reports
I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.
2020-06-30 | 2021-06-30 | 2022-06-30 | 2023-06-30 | 2024-06-30 | ||||||
---|---|---|---|---|---|---|---|---|---|---|
Total Current Assets | 108,147 | -1,217 | 106,930 | -22,249 | 84,681 | -24,650 | 60,031 | -1,189,174 | -1,129,143 |
5.2. Latest Balance Sheet
Balance Sheet of 2024-06-30. Currency in AUD. All numbers in thousands.
Summary
As reported | |
---|---|
Total Liabilities | 5,770,273 |
Total Stockholder Equity | + 194,423 |
Total Assets | = 6,291,187 |
Assets
Total Current Assets
Long-term Assets
Property Plant Equipment | 5,369 |
Goodwill | 61,082 |
Long Term Investments | 39,684 |
Intangible Assets | 46,774 |
Other Assets | 6,291,187 |
Long-term Assets (as reported) | 7,106,466 |
---|---|
Long-term Assets (calculated) | 6,444,096 |
+/- | 662,370 |
Liabilities & Shareholders' Equity
Total Current Liabilities
Long-term Liabilities
Long-term Liabilities (as reported) | 2,552,084 |
---|---|
Long-term Liabilities (calculated) | 0 |
+/- | 2,552,084 |
Other
5.3. Balance Sheets Structured
Currency in AUD. All numbers in thousands.
Trend | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 | 2018-06-30 | 2017-06-30 | 2016-06-30 | 2015-06-30 | 2014-06-30 | 2013-06-30 | 2008-06-30 | 2007-06-30 | 2006-06-30 | 2005-06-30 | |||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
> Total Assets |
| 6,291,187 | 6,322,329 | 6,678,456 | 4,741,585 | 4,089,527 | 3,089,960 | 2,293,409 | 2,017,226 | 1,830,321 | 1,714,650 | 1,648,492 | 1,341,429 | 7,478,761 | 8,583,660 | 1,308,876 | 810,063 | ||||||||||||||||
> Total Current Assets |
| -1,129,143 | 60,031 | 84,681 | 106,930 | 108,147 | 96,818 | 88,710 | 124,801 | 130,665 | 1,710,738 | 76,022 | 65,145 | 4,888,004 | 4,785,373 | 1,245,905 | 775,483 | ||||||||||||||||
Cash And Cash Equivalents |
| 221,618 | 222,242 | 268,585 | 226,048 | 161,528 | 96,818 | 88,710 | 124,801 | 130,665 | 90,776 | 76,022 | 65,145 | 350,705 | 444,848 | 10,255 | 4,219 | ||||||||||||||||
Short-term Investments |
| 0 | -162,211 | -183,904 | 15,000 | -53,381 | 6 | 15 | 31 | 49 | 49 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||
Net Receivables |
| 13,067 | 1,143,729 | 1,150,601 | 1,051,933 | 976,844 | 901,222 | 806,382 | 737,580 | 828,285 | 593,931 | 0 | 0 | 2,054,829 | 4,169,956 | 1,139,801 | 769,798 | ||||||||||||||||
Other Current Assets |
| -1,363,828 | -1,365,971 | -1,419,186 | -1,292,981 | -1,138,372 | -998,040 | -895,092 | -862,381 | -958,950 | 1,025,982 | 0 | 0 | 2,420,997 | 117,050 | 21,252 | 1,466 | ||||||||||||||||
> Long-term Assets |
| 7,106,466 | 102,450 | 98,690 | 15,178 | 10,147 | 1,661 | 1,895 | 2,643 | 3,136 | 3,912 | 1,572,470 | 1,276,284 | 0 | 0 | 0 | 0 | ||||||||||||||||
Property Plant Equipment |
| 5,369 | 7,202 | 5,997 | 5,672 | 6,829 | 849 | 1,379 | 1,898 | 2,379 | 2,998 | 3,394 | 3,954 | 1,733,023 | 2,090,321 | 53 | 63 | ||||||||||||||||
Goodwill |
| 61,082 | 61,082 | 60,748 | 60,748 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 368,847 | 1,068,452 | 0 | 0 | ||||||||||||||||
Long Term Investments |
| 39,684 | 37,480 | 31,421 | 40,999 | 17,034 | 14,347 | 12,830 | 31 | 49 | 0 | 0 | 0 | 340,272 | 535,817 | 62,918 | 33,252 | ||||||||||||||||
Intangible Assets |
| 46,774 | 95,248 | 92,693 | 9,506 | 3,318 | 812 | 516 | 745 | 757 | 865 | 832 | 752 | 29,305 | 49,295 | 0 | 0 | ||||||||||||||||
Long-term Assets Other |
| -466,773 | -416,172 | -408,988 | 4,325 | 3,201 | -1,661 | -227,017 | -31 | -175,588 | -69 | 1,568,244 | 1,271,578 | 0 | 0 | 0 | 0 | ||||||||||||||||
> Total Liabilities |
| 5,770,273 | 6,122,557 | 6,473,021 | 4,538,604 | 3,911,314 | 2,985,138 | 2,200,085 | 1,909,931 | 1,741,801 | 1,642,420 | 1,563,022 | 1,262,338 | 6,933,481 | 6,381,379 | 704,741 | 358,527 | ||||||||||||||||
> Total Current Liabilities |
| 2,363,156 | 227,632 | 215,646 | 193,472 | 192,443 | 177,546 | 154,768 | 139,769 | 123,636 | 1,621,440 | 87,172 | 77,749 | 2,680,697 | 2,270,039 | 73,720 | 17,608 | ||||||||||||||||
Short-term Debt |
| 2,363,156 | 2,585,796 | 2,599,896 | 1,525,218 | 1,820,307 | 1,154,166 | 758,711 | 1,164,478 | 762,956 | 1,041,099 | 0 | 0 | 4,527,164 | 6,117,086 | 693,097 | 339,711 | ||||||||||||||||
Short Long Term Debt |
| 4,570,462 | 4,597,951 | 4,954,896 | 3,463,074 | 2,921,121 | 2,073,772 | 1,381,761 | 1,164,478 | 1,072,215 | 0 | 0 | 0 | 4,527,164 | 6,117,086 | 693,097 | 339,711 | ||||||||||||||||
Accounts payable |
| 1,148,681 | 1,145,223 | 1,138,239 | 1,036,275 | 950,792 | 874,076 | 781,147 | 715,803 | 646,113 | 580,341 | 0 | 0 | 15,669 | 33,787 | 8,876 | 1,871 | ||||||||||||||||
Other Current Liabilities |
| -4,726,312 | -1,145,223 | -1,138,239 | -1,036,275 | -950,792 | -874,076 | -781,147 | -1,743,205 | -1,290,309 | -1,177,515 | 0 | 0 | 69,274 | 26,613 | 0 | 14,745 | ||||||||||||||||
> Long-term Liabilities |
| 2,552,084 | 2,007,241 | 2,350,970 | 1,933,792 | 1,095,547 | 919,606 | 623,050 | 324,662 | 309,259 | 443,925 | 1,475,850 | 1,184,589 | 0 | 0 | 0 | 0 | ||||||||||||||||
Long term Debt Total |
| 0 | 2,012,155 | 2,355,000 | 1,937,856 | 1,100,814 | 919,606 | 623,050 | 324,662 | 309,259 | 1,041,099 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||
Deferred Long Term Liability |
| 0 | 0 | 0 | 0 | 0 | 2,703 | 555 | 690 | 1,267 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||||||||||
> Total Stockholder Equity |
| 194,423 | 179,061 | 184,320 | 202,981 | 178,213 | 104,822 | 93,324 | 107,268 | 88,544 | 72,231 | 85,466 | 79,089 | 513,071 | 2,179,340 | 604,135 | 451,536 | ||||||||||||||||
Common Stock |
| 102,125 | 102,125 | 102,125 | 102,125 | 102,157 | 43,541 | 43,541 | 43,541 | 43,541 | 43,541 | 11,434 | 11,434 | 2,231,743 | 2,107,176 | 539,837 | 415,303 | ||||||||||||||||
Retained Earnings |
| 96,910 | 89,867 | 96,337 | 96,313 | 73,466 | 59,747 | 49,056 | 63,410 | 44,980 | 28,757 | 74,093 | 67,726 | -1,683,614 | 130,791 | 60,948 | 44,159 | ||||||||||||||||
Capital Surplus | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||||||||||||||
Other Stockholders Equity |
| 0 | 0 | -198,462 | -198,438 | -175,623 | 1,534 | 727 | 344 | 23 | 1,982 | -61 | -71 | -13,830 | -54,429 | 3,350 | -7,640 |
5.4. Balance Sheets
Currency in AUD. All numbers in thousands.
5.5. Cash Flows
Currency in AUD. All numbers in thousands.
5.6. Income Statements
Currency in AUD. All numbers in thousands.
5.7. Latest Income Statement
Income Statement (annual), 2024-06-30. Currency in AUD. All numbers in thousands.
Gross Profit (+$) | ||
---|---|---|
totalRevenue | 1,097,018 | |
Cost of Revenue | -733,869 | |
Gross Profit | 363,149 | 363,149 |
Operating Income (+$) | ||
Gross Profit | 363,149 | |
Operating Expense | -100,444 | |
Operating Income | 284,463 | 262,705 |
Operating Expense (+$) | ||
Research Development | 0 | |
Selling General Administrative | 58,092 | |
Selling And Marketing Expenses | 4,728 | |
Operating Expense | 100,444 | 62,820 |
Net Interest Income (+$) | ||
Interest Income | 367,002 | |
Interest Expense | -250,323 | |
Other Finance Cost | -0 | |
Net Interest Income | 116,679 | |
Pretax Income (+$) | ||
Operating Income | 284,463 | |
Net Interest Income | 116,679 | |
Other Non-Operating Income Expenses | 0 | |
Income Before Tax (EBT) | 43,992 | 524,934 EBIT - interestExpense = 34,140 42,517 279,298 |
Interest Expense | 250,323 | |
Earnings Before Interest and Taxes (EBIT) | 284,463 | 294,315 |
Earnings Before Interest and Taxes (EBITDA) | 291,824 | |
After tax Income (+$) | ||
Income Before Tax | 43,992 | |
Tax Provision | -13,542 | |
Net Income From Continuing Ops | 30,450 | 30,450 |
Net Income | 28,975 | |
Net Income Applicable To Common Shares | 0 | |
Non-recurring Events | ||
Discontinued Operations | 0 | |
Extraordinary Items | 0 | |
Effect of Accounting Charges | 0 | |
Other Items | 0 | |
Non Recurring | 0 | |
Other Operating Expenses | 100,444 | |
Total Other Income/Expenses Net | -240,471 | -116,679 |