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Australian Finance Group Ltd
Buy, Hold or Sell?

Let's analyze Australian Finance Group Ltd together

I guess you are interested in Australian Finance Group Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Australian Finance Group Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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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?

How much money do you get?
A$0.22
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$1.90
Expected worth in 1 year
A$6.59
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
A$5.03
Return On Investment
280.3%

For what price can you sell your share?

Current Price per Share
A$1.80
Expected price per share
A$1.729408988764 - A$
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Australian Finance Group Ltd (5 min.)




Live pricePrice per Share (EOD)
A$1.80
Intrinsic Value Per Share
A$-0.17 - A$1.50
Total Value Per Share
A$1.73 - A$3.40

2.2. Growth of Australian Finance Group Ltd (5 min.)




Is Australian Finance Group Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$325.8m$124.9m$200.9m61.6%

How much money is Australian Finance Group Ltd making?

Current yearPrevious yearGrowGrow %
Making money$18.1m$23.3m-$5.2m-28.8%
Net Profit Margin2.6%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)  


Richest
#32 / 51

Most Profit
#24 / 51
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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.
Based on historical numbers we can estimate the returns while holding a share of Australian Finance Group Ltd.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.073.7%0.073.7%0.094.7%0.095.0%0.084.4%
Usd Book Value Change Per Share0.7340.8%0.7340.8%-0.02-0.9%0.1910.6%0.105.5%
Usd Dividend Per Share0.053.0%0.053.0%0.105.6%0.074.1%0.073.8%
Usd Total Gains Per Share0.7943.8%0.7943.8%0.084.7%0.2614.6%0.179.3%
Usd Price Per Share0.86-0.86-1.12-1.16-0.96-
Price to Earnings Ratio13.06-13.06-13.15-12.82-12.10-
Price-to-Total Gains Ratio1.10-1.10-13.24-8.77-9.80-
Price to Book Ratio0.73-0.73-2.46-2.32-2.93-
Price-to-Total Gains Ratio1.10-1.10-13.24-8.77-9.80-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.122952
Number of shares890
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.050.07
Usd Book Value Change Per Share0.730.19
Usd Total Gains Per Share0.790.26
Gains per Quarter (890 shares)700.43233.52
Gains per Year (890 shares)2,801.72934.09
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
119226092792260675924
23855219559451913491858
35777828839677920242792
47701043711198103826983726
59621304714000129833734660
611541565616802155740475594
713471826519604181747226528
815392087422406207653967462
917322348425208233660718396
1019242609328010259567469330

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%15.01.00.093.8%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%7.03.00.070.0%11.05.00.068.8%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%16.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%14.02.00.087.5%
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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 QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.1721.1720%-0.025+102%0.303+287%0.158+639%
Book Value Per Share--1.9001.9000%0.729+161%0.957+99%0.651+192%
Current Ratio---0.478-0.4780%0.264-281%0.259-285%0.542-188%
Debt To Asset Ratio--0.9170.9170%0.968-5%0.954-4%0.955-4%
Debt To Equity Ratio--29.67929.6790%34.193-13%28.659+4%25.557+16%
Dividend Per Share--0.0860.0860%0.160-46%0.117-26%0.108-20%
Enterprise Value---5170381820.000-5170381820.0000%-5409641990.000+5%-4636321900.000-10%-3147813333.430-39%
Eps--0.1060.1060%0.136-22%0.143-26%0.126-16%
Ev To Ebitda Ratio---17.717-17.7170%-20.634+16%-28.249+59%-207.619+1072%
Ev To Sales Ratio---4.713-4.7130%-5.279+12%-5.097+8%-3.975-16%
Free Cash Flow Per Share--0.1040.1040%0.187-44%0.154-32%0.125-17%
Free Cash Flow To Equity Per Share---0.088-0.0880%-1.302+1387%1.900-105%1.345-107%
Gross Profit Margin--0.8370.8370%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 Cap486030340.640+22%378273180.000378273180.0000%490673010.000-23%503827700.000-25%417017066.670-9%
Net Profit Margin--0.0260.0260%0.036-27%0.045-42%0.048-45%
Operating Margin--0.2590.2590%0.249+4%0.190+36%0.108+141%
Operating Ratio--0.7610.7610%0.751+1%0.813-6%1.283-41%
Pb Ratio0.945+23%0.7260.7260%2.456-70%2.321-69%2.931-75%
Pe Ratio16.981+23%13.05513.0550%13.151-1%12.822+2%12.097+8%
Price Per Share1.795+23%1.3801.3800%1.790-23%1.848-25%1.533-10%
Price To Free Cash Flow Ratio17.209+23%13.23013.2300%9.578+38%12.002+10%14.119-6%
Price To Total Gains Ratio1.427+23%1.0971.0970%13.240-92%8.767-87%9.798-89%
Quick Ratio--0.0990.0990%5.288-98%4.703-98%4.927-98%
Return On Assets--0.0050.0050%0.006-22%0.007-37%0.011-56%
Return On Equity--0.1490.1490%0.208-28%0.207-28%0.261-43%
Total Gains Per Share--1.2581.2580%0.135+830%0.419+200%0.267+372%
Usd Book Value--325883798.400325883798.4000%124977363.200+161%163571252.800+99%110950535.360+194%
Usd Book Value Change Per Share--0.7330.7330%-0.015+102%0.189+287%0.099+639%
Usd Book Value Per Share--1.1891.1890%0.456+161%0.599+99%0.407+192%
Usd Dividend Per Share--0.0540.0540%0.100-46%0.073-26%0.068-20%
Usd Enterprise Value---3234590866.592-3234590866.5920%-3384272028.944+5%-2900482980.640-10%-1969272021.394-39%
Usd Eps--0.0660.0660%0.085-22%0.089-26%0.079-16%
Usd Free Cash Flow--17887155.20017887155.2000%32049488.000-44%26336133.440-32%21303369.057-16%
Usd Free Cash Flow Per Share--0.0650.0650%0.117-44%0.097-32%0.078-17%
Usd Free Cash Flow To Equity Per Share---0.055-0.0550%-0.814+1387%1.188-105%0.841-107%
Usd Market Cap304060581.104+22%236647701.408236647701.4080%306965035.056-23%315194609.120-25%260885876.909-9%
Usd Price Per Share1.123+23%0.8630.8630%1.120-23%1.156-25%0.959-10%
Usd Profit--18126760.00018126760.0000%23342387.200-22%24329083.520-25%21452449.600-16%
Usd Revenue--686294460.800686294460.8000%641044812.800+7%565793390.720+21%462650343.360+48%
Usd Total Gains Per Share--0.7870.7870%0.085+830%0.262+200%0.167+372%
 EOD+4 -4MRQTTM+0 -0YOY+21 -195Y+15 -2510Y+15 -25

3.3 Fundamental Score

Let's check the fundamental score of Australian Finance Group Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1516.981
Price to Book Ratio (EOD)Between0-10.945
Net Profit Margin (MRQ)Greater than00.026
Operating Margin (MRQ)Greater than00.259
Quick Ratio (MRQ)Greater than10.099
Current Ratio (MRQ)Greater than1-0.478
Debt to Asset Ratio (MRQ)Less than10.917
Debt to Equity Ratio (MRQ)Less than129.679
Return on Equity (MRQ)Greater than0.150.149
Return on Assets (MRQ)Greater than0.050.005
Total4/10 (40.0%)

3.4 Technical Score

Let's check the technical score of Australian Finance Group Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose1.770
Total0/1 (0.0%)

4. In-depth Analysis

4.1 About Australian Finance Group Ltd

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

Profitability Details
 Compared to previous yearCompared 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.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared 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.
Solvency Details
 Compared to previous yearCompared 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

Valuation Details
 Compared to previous yearCompared 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.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Australian Finance Group Ltd earns for each $1 of revenue.

  • 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:

  • The MRQ is 2.6%. The company is making a profit. +1
  • The TTM is 2.6%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ2.6%TTM2.6%0.0%
TTM2.6%YOY3.6%-1.0%
TTM2.6%5Y4.5%-1.9%
5Y4.5%10Y4.8%-0.3%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ2.6%53.2%-50.6%
TTM2.6%50.4%-47.8%
YOY3.6%51.7%-48.1%
5Y4.5%53.8%-49.3%
10Y4.8%48.1%-43.3%
4.3.1.2. Return on Assets

Shows how efficient Australian Finance Group Ltd is using its assets to generate profit.

  • 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:

  • The MRQ is 0.5%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.5%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.5%TTM0.5%0.0%
TTM0.5%YOY0.6%-0.1%
TTM0.5%5Y0.7%-0.3%
5Y0.7%10Y1.1%-0.3%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5%0.1%+0.4%
TTM0.5%0.1%+0.4%
YOY0.6%0.1%+0.5%
5Y0.7%0.3%+0.4%
10Y1.1%0.3%+0.8%
4.3.1.3. Return on Equity

Shows how efficient Australian Finance Group Ltd is using its investors money to generate profit.

  • 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:

  • The MRQ is 14.9%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 14.9%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ14.9%TTM14.9%0.0%
TTM14.9%YOY20.8%-5.9%
TTM14.9%5Y20.7%-5.8%
5Y20.7%10Y26.1%-5.4%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ14.9%4.5%+10.4%
TTM14.9%5.0%+9.9%
YOY20.8%5.7%+15.1%
5Y20.7%10.1%+10.6%
10Y26.1%12.0%+14.1%
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4.3.2. Operating Efficiency of Australian Finance Group Ltd.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Australian Finance Group Ltd is operating .

  • 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:

  • The MRQ is 25.9%. The company is operating very efficient. +2
  • The TTM is 25.9%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ25.9%TTM25.9%0.0%
TTM25.9%YOY24.9%+1.0%
TTM25.9%5Y19.0%+6.9%
5Y19.0%10Y10.8%+8.2%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ25.9%35.9%-10.0%
TTM25.9%48.8%-22.9%
YOY24.9%-4.1%+29.0%
5Y19.0%25.2%-6.2%
10Y10.8%28.7%-17.9%
4.3.2.2. Operating Ratio

Measures how efficient Australian Finance Group Ltd is keeping operating costs low.

  • 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:

  • The MRQ is 0.761. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.761. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.761TTM0.7610.000
TTM0.761YOY0.751+0.010
TTM0.7615Y0.813-0.053
5Y0.81310Y1.283-0.469
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7610.736+0.025
TTM0.7610.697+0.064
YOY0.7510.791-0.040
5Y0.8130.765+0.048
10Y1.2830.743+0.540
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4.4.3. Liquidity of Australian Finance Group Ltd.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Australian Finance Group Ltd is able to pay off Short-term Debt.

  • 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:

  • The MRQ is -0.478. The company is unable to pay all its short-term debts. -2
  • The TTM is -0.478. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ-0.478TTM-0.4780.000
TTM-0.478YOY0.264-0.742
TTM-0.4785Y0.259-0.736
5Y0.25910Y0.542-0.283
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.4781.683-2.161
TTM-0.4781.349-1.827
YOY0.26442.304-42.040
5Y0.25935.524-35.265
10Y0.54228.383-27.841
4.4.3.2. Quick Ratio

Measures if Australian Finance Group Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • 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:

  • The MRQ is 0.099. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.099. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.099TTM0.0990.000
TTM0.099YOY5.288-5.189
TTM0.0995Y4.703-4.604
5Y4.70310Y4.927-0.224
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0990.839-0.740
TTM0.0990.833-0.734
YOY5.28841.365-36.077
5Y4.70335.098-30.395
10Y4.92737.377-32.450
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4.5.4. Solvency of Australian Finance Group Ltd.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Australian Finance Group Ltd assets are financed with debt.

  • 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:

  • The MRQ is 0.917. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.917. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.917TTM0.9170.000
TTM0.917YOY0.968-0.051
TTM0.9175Y0.954-0.036
5Y0.95410Y0.955-0.001
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9170.941-0.024
TTM0.9170.943-0.026
YOY0.9680.948+0.020
5Y0.9540.9540.000
10Y0.9550.948+0.007
4.5.4.2. Debt to Equity Ratio

Measures if Australian Finance Group Ltd is able to pay off its debts by using shareholders equity.

  • 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:

  • The MRQ is 29.679. The company is unable to pay all its debts with equity. -1
  • The TTM is 29.679. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ29.679TTM29.6790.000
TTM29.679YOY34.193-4.514
TTM29.6795Y28.659+1.020
5Y28.65910Y25.557+3.103
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ29.67932.480-2.801
TTM29.67932.480-2.801
YOY34.19334.587-0.394
5Y28.65929.191-0.532
10Y25.55725.470+0.087
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Australian Finance Group Ltd generates.

  • 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:

  • The EOD is 16.981. Based on the earnings, the company is fair priced.
  • The MRQ is 13.055. Based on the earnings, the company is underpriced. +1
  • The TTM is 13.055. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD16.981MRQ13.055+3.926
MRQ13.055TTM13.0550.000
TTM13.055YOY13.151-0.095
TTM13.0555Y12.822+0.234
5Y12.82210Y12.097+0.724
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD16.9816.627+10.354
MRQ13.0553.942+9.113
TTM13.0553.638+9.417
YOY13.151-1.654+14.805
5Y12.82224.208-11.386
10Y12.09711.590+0.507
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
Current periodCompared to+/- 
EOD17.209MRQ13.230+3.979
MRQ13.230TTM13.2300.000
TTM13.230YOY9.578+3.652
TTM13.2305Y12.002+1.228
5Y12.00210Y14.119-2.117
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD17.2090.401+16.808
MRQ13.2300.328+12.902
TTM13.2301.845+11.385
YOY9.5780.030+9.548
5Y12.0020.561+11.441
10Y14.1190.128+13.991
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Australian Finance Group Ltd is to cheap or to expensive compared to its book value.

  • 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:

  • The EOD is 0.945. Based on the equity, the company is cheap. +2
  • The MRQ is 0.726. Based on the equity, the company is cheap. +2
  • The TTM is 0.726. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.945MRQ0.726+0.218
MRQ0.726TTM0.7260.000
TTM0.726YOY2.456-1.730
TTM0.7265Y2.321-1.595
5Y2.32110Y2.931-0.610
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD0.9451.004-0.059
MRQ0.7260.489+0.237
TTM0.7260.445+0.281
YOY2.4560.313+2.143
5Y2.3211.145+1.176
10Y2.9310.985+1.946
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

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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.

 2020-06-302021-06-302022-06-302023-06-302024-06-30
Total Current Assets  108,147-1,217106,930-22,24984,681-24,65060,031-1,189,174-1,129,143



5.2. Latest Balance Sheet

Balance Sheet of 2024-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets6,291,187
Total Liabilities5,770,273
Total Stockholder Equity194,423
 As reported
Total Liabilities 5,770,273
Total Stockholder Equity+ 194,423
Total Assets = 6,291,187

Assets

Total Assets6,291,187
Total Current Assets-1,129,143
Long-term Assets7,106,466
Total Current Assets
Cash And Cash Equivalents 221,618
Net Receivables 13,067
Other Current Assets -1,363,828
Total Current Assets  (as reported)-1,129,143
Total Current Assets  (calculated)-1,129,143
+/-0
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 Liabilities2,363,156
Long-term Liabilities2,552,084
Total Stockholder Equity194,423
Total Current Liabilities
Short-term Debt 2,363,156
Short Long Term Debt 4,570,462
Accounts payable 1,148,681
Other Current Liabilities -4,726,312
Total Current Liabilities  (as reported)2,363,156
Total Current Liabilities  (calculated)3,355,987
+/- 992,831
Long-term Liabilities
Long-term Liabilities  (as reported)2,552,084
Long-term Liabilities  (calculated)0
+/- 2,552,084
Total Stockholder Equity
Common Stock102,125
Retained Earnings 96,910
Accumulated Other Comprehensive Income -4,612
Total Stockholder Equity (as reported)194,423
Total Stockholder Equity (calculated)194,423
+/-0
Other
Capital Stock102,125
Cash and Short Term Investments 221,618
Common Stock Shares Outstanding 274,111
Current Deferred Revenue1,214,475
Liabilities and Stockholders Equity 6,291,187
Net Debt 4,348,844
Net Invested Capital 4,764,885
Net Working Capital -3,492,299
Property Plant and Equipment Gross 5,369
Short Long Term Debt Total 4,570,462



5.3. Balance Sheets Structured

Currency in AUD. All numbers in thousands.

 Trend2024-06-302023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302008-06-302007-06-302006-06-302005-06-30
> Total Assets 
810,063
1,308,876
8,583,660
7,478,761
1,341,429
1,648,492
1,714,650
1,830,321
2,017,226
2,293,409
3,089,960
4,089,527
4,741,585
6,678,456
6,322,329
6,291,187
6,291,1876,322,3296,678,4564,741,5854,089,5273,089,9602,293,4092,017,2261,830,3211,714,6501,648,4921,341,4297,478,7618,583,6601,308,876810,063
   > Total Current Assets 
775,483
1,245,905
4,785,373
4,888,004
65,145
76,022
1,710,738
130,665
124,801
88,710
96,818
108,147
106,930
84,681
60,031
-1,129,143
-1,129,14360,03184,681106,930108,14796,81888,710124,801130,6651,710,73876,02265,1454,888,0044,785,3731,245,905775,483
       Cash And Cash Equivalents 
4,219
10,255
444,848
350,705
65,145
76,022
90,776
130,665
124,801
88,710
96,818
161,528
226,048
268,585
222,242
221,618
221,618222,242268,585226,048161,52896,81888,710124,801130,66590,77676,02265,145350,705444,84810,2554,219
       Short-term Investments 
0
0
0
0
0
0
49
49
31
15
6
-53,381
15,000
-183,904
-162,211
0
0-162,211-183,90415,000-53,381615314949000000
       Net Receivables 
769,798
1,139,801
4,169,956
2,054,829
0
0
593,931
828,285
737,580
806,382
901,222
976,844
1,051,933
1,150,601
1,143,729
13,067
13,0671,143,7291,150,6011,051,933976,844901,222806,382737,580828,285593,931002,054,8294,169,9561,139,801769,798
       Other Current Assets 
1,466
21,252
117,050
2,420,997
0
0
1,025,982
-958,950
-862,381
-895,092
-998,040
-1,138,372
-1,292,981
-1,419,186
-1,365,971
-1,363,828
-1,363,828-1,365,971-1,419,186-1,292,981-1,138,372-998,040-895,092-862,381-958,9501,025,982002,420,997117,05021,2521,466
   > Long-term Assets 
0
0
0
0
1,276,284
1,572,470
3,912
3,136
2,643
1,895
1,661
10,147
15,178
98,690
102,450
7,106,466
7,106,466102,45098,69015,17810,1471,6611,8952,6433,1363,9121,572,4701,276,2840000
       Property Plant Equipment 
63
53
2,090,321
1,733,023
3,954
3,394
2,998
2,379
1,898
1,379
849
6,829
5,672
5,997
7,202
5,369
5,3697,2025,9975,6726,8298491,3791,8982,3792,9983,3943,9541,733,0232,090,3215363
       Goodwill 
0
0
1,068,452
368,847
0
0
0
0
0
0
0
0
60,748
60,748
61,082
61,082
61,08261,08260,74860,74800000000368,8471,068,45200
       Long Term Investments 
33,252
62,918
535,817
340,272
0
0
0
49
31
12,830
14,347
17,034
40,999
31,421
37,480
39,684
39,68437,48031,42140,99917,03414,34712,8303149000340,272535,81762,91833,252
       Intangible Assets 
0
0
49,295
29,305
752
832
865
757
745
516
812
3,318
9,506
92,693
95,248
46,774
46,77495,24892,6939,5063,31881251674575786583275229,30549,29500
       Long-term Assets Other 
0
0
0
0
1,271,578
1,568,244
-69
-175,588
-31
-227,017
-1,661
3,201
4,325
-408,988
-416,172
-466,773
-466,773-416,172-408,9884,3253,201-1,661-227,017-31-175,588-691,568,2441,271,5780000
> Total Liabilities 
358,527
704,741
6,381,379
6,933,481
1,262,338
1,563,022
1,642,420
1,741,801
1,909,931
2,200,085
2,985,138
3,911,314
4,538,604
6,473,021
6,122,557
5,770,273
5,770,2736,122,5576,473,0214,538,6043,911,3142,985,1382,200,0851,909,9311,741,8011,642,4201,563,0221,262,3386,933,4816,381,379704,741358,527
   > Total Current Liabilities 
17,608
73,720
2,270,039
2,680,697
77,749
87,172
1,621,440
123,636
139,769
154,768
177,546
192,443
193,472
215,646
227,632
2,363,156
2,363,156227,632215,646193,472192,443177,546154,768139,769123,6361,621,44087,17277,7492,680,6972,270,03973,72017,608
       Short-term Debt 
339,711
693,097
6,117,086
4,527,164
0
0
1,041,099
762,956
1,164,478
758,711
1,154,166
1,820,307
1,525,218
2,599,896
2,585,796
2,363,156
2,363,1562,585,7962,599,8961,525,2181,820,3071,154,166758,7111,164,478762,9561,041,099004,527,1646,117,086693,097339,711
       Short Long Term Debt 
339,711
693,097
6,117,086
4,527,164
0
0
0
1,072,215
1,164,478
1,381,761
2,073,772
2,921,121
3,463,074
4,954,896
4,597,951
4,570,462
4,570,4624,597,9514,954,8963,463,0742,921,1212,073,7721,381,7611,164,4781,072,2150004,527,1646,117,086693,097339,711
       Accounts payable 
1,871
8,876
33,787
15,669
0
0
580,341
646,113
715,803
781,147
874,076
950,792
1,036,275
1,138,239
1,145,223
1,148,681
1,148,6811,145,2231,138,2391,036,275950,792874,076781,147715,803646,113580,3410015,66933,7878,8761,871
       Other Current Liabilities 
14,745
0
26,613
69,274
0
0
-1,177,515
-1,290,309
-1,743,205
-781,147
-874,076
-950,792
-1,036,275
-1,138,239
-1,145,223
-4,726,312
-4,726,312-1,145,223-1,138,239-1,036,275-950,792-874,076-781,147-1,743,205-1,290,309-1,177,5150069,27426,613014,745
   > Long-term Liabilities 
0
0
0
0
1,184,589
1,475,850
443,925
309,259
324,662
623,050
919,606
1,095,547
1,933,792
2,350,970
2,007,241
2,552,084
2,552,0842,007,2412,350,9701,933,7921,095,547919,606623,050324,662309,259443,9251,475,8501,184,5890000
       Long term Debt Total 
0
0
0
0
0
0
1,041,099
309,259
324,662
623,050
919,606
1,100,814
1,937,856
2,355,000
2,012,155
0
02,012,1552,355,0001,937,8561,100,814919,606623,050324,662309,2591,041,099000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
1,267
690
555
2,703
0
0
0
0
0
000002,7035556901,2670000000
> Total Stockholder Equity
451,536
604,135
2,179,340
513,071
79,089
85,466
72,231
88,544
107,268
93,324
104,822
178,213
202,981
184,320
179,061
194,423
194,423179,061184,320202,981178,213104,82293,324107,26888,54472,23185,46679,089513,0712,179,340604,135451,536
   Common Stock
415,303
539,837
2,107,176
2,231,743
11,434
11,434
43,541
43,541
43,541
43,541
43,541
102,157
102,125
102,125
102,125
102,125
102,125102,125102,125102,125102,15743,54143,54143,54143,54143,54111,43411,4342,231,7432,107,176539,837415,303
   Retained Earnings 
44,159
60,948
130,791
-1,683,614
67,726
74,093
28,757
44,980
63,410
49,056
59,747
73,466
96,313
96,337
89,867
96,910
96,91089,86796,33796,31373,46659,74749,05663,41044,98028,75774,09367,726-1,683,614130,79160,94844,159
   Capital Surplus 0000000000000000
   Treasury Stock0000000000000000
   Other Stockholders Equity 
-7,640
3,350
-54,429
-13,830
-71
-61
1,982
23
344
727
1,534
-175,623
-198,438
-198,462
0
0
00-198,462-198,438-175,6231,534727344231,982-61-71-13,830-54,4293,350-7,640



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 (+$)
totalRevenue1,097,018
Cost of Revenue-733,869
Gross Profit363,149363,149
 
Operating Income (+$)
Gross Profit363,149
Operating Expense-100,444
Operating Income284,463262,705
 
Operating Expense (+$)
Research Development0
Selling General Administrative58,092
Selling And Marketing Expenses4,728
Operating Expense100,44462,820
 
Net Interest Income (+$)
Interest Income367,002
Interest Expense-250,323
Other Finance Cost-0
Net Interest Income116,679
 
Pretax Income (+$)
Operating Income284,463
Net Interest Income116,679
Other Non-Operating Income Expenses0
Income Before Tax (EBT)43,992524,934
EBIT - interestExpense = 34,140
42,517
279,298
Interest Expense250,323
Earnings Before Interest and Taxes (EBIT)284,463294,315
Earnings Before Interest and Taxes (EBITDA)291,824
 
After tax Income (+$)
Income Before Tax43,992
Tax Provision-13,542
Net Income From Continuing Ops30,45030,450
Net Income28,975
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses100,444
Total Other Income/Expenses Net-240,471-116,679