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Australian Finance Group Ltd
Buy, Hold or Sell?

Let's analyse Australian Finance Group Ltd together

PenkeI 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.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Australian Finance Group Ltd (30 sec.)










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$0.42
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
A$0.73
Expected worth in 1 year
A$0.63
How sure are you?
88.9%

+ What do you gain per year?

Total Gains per Share
A$0.54
Return On Investment
33.2%

For what price can you sell your share?

Current Price per Share
A$1.63
Expected price per share
A$1.23710651341 - A$1.7751715846995
How sure are you?
50%

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




Live pricePrice per Share (EOD)

A$1.63

Intrinsic Value Per Share

A$1.48 - A$2.18

Total Value Per Share

A$2.21 - A$2.91

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




Is Australian Finance Group Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$130.3m$134m-$3.6m-2.8%

How much money is Australian Finance Group Ltd making?

Current yearPrevious yearGrowGrow %
Making money$24.3m$25.2m-$955.6k-3.9%
Net Profit Margin3.6%4.1%--

How much money comes from the company's main activities?

3. Financial Health of Australian Finance Group Ltd (5 min.)




4. Comparing to competitors in the Mortgage Finance industry (5 min.)




  Industry Rankings (Mortgage Finance)  


Richest
#41 / 53

Most Revenue
#18 / 53

Most Profit
#37 / 53

What can you expect buying and holding a share of Australian Finance Group Ltd? (5 min.)

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.

What can you expect buying and holding 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$1.63. 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$0.73. Based on the TTM, the Book Value Change Per Share is A$-0.02 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.01 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$0.16 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 Eps0.095.4%0.095.4%0.095.7%0.105.8%0.085.1%
Usd Book Value Change Per Share-0.02-1.0%-0.02-1.0%0.000.3%0.053.1%-0.09-5.7%
Usd Dividend Per Share0.106.4%0.106.4%0.095.7%0.084.6%0.074.4%
Usd Total Gains Per Share0.095.4%0.095.4%0.105.9%0.137.7%-0.02-1.3%
Usd Price Per Share1.17-1.17-0.98-1.23-1.01-
Price to Earnings Ratio13.15-13.15-10.62-12.72-11.98-
Price-to-Total Gains Ratio13.24-13.24-10.18-10.33-8.76-
Price to Book Ratio2.46-2.46-2.00-2.76-3.11-
Price-to-Total Gains Ratio13.24-13.24-10.18-10.33-8.76-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.063249
Number of shares940
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.100.08
Usd Book Value Change Per Share-0.020.05
Usd Total Gains Per Share0.090.13
Gains per Quarter (940 shares)82.90118.11
Gains per Year (940 shares)331.59472.44
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1392-60322284188462
2783-120654568377934
31175-1809868525651406
41567-241131811367541878
51959-301165014209422350
62350-3611982170411312822
72742-4212314198813193294
83134-4812646227215073766
93526-5412978255616964238
103917-6013310284018844710

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%9.00.00.0100.0%12.01.00.092.3%
Book Value Change Per Share0.01.00.00.0%2.01.00.066.7%4.01.00.080.0%6.03.00.066.7%9.04.00.069.2%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.00.00.0100.0%13.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.01.00.088.9%11.02.00.084.6%

Fundamentals of Australian Finance Group Ltd

About Australian Finance Group Ltd

Australian Finance Group Limited, together with its subsidiaries, engages in the mortgage broking business in Australia. It operates in two segments: Aggregation and AFG Home Loans. The company 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. It also offers Suite360, commercial and business broking, 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 2024-03-22 13:43:03.

Financial Health

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 efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating 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 very 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.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Australian Finance Group Ltd.

1.1. Profitability
1.1.1. 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 3.6% means that $0.04 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 3.6%. The company is making a profit. +1
  • The TTM is 3.6%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ3.6%TTM3.6%0.0%
TTM3.6%YOY4.1%-0.4%
TTM3.6%5Y14.1%-10.5%
5Y14.1%10Y10.2%+3.9%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ3.6%51.3%-47.7%
TTM3.6%53.3%-49.7%
YOY4.1%50.6%-46.5%
5Y14.1%55.0%-40.9%
10Y10.2%47.7%-37.5%
1.1.2. 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.
  • 0.6% Return on Assets means that Australian Finance Group Ltd generated $0.01 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 0.6%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.6%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.6%TTM0.6%0.0%
TTM0.6%YOY0.6%+0.0%
TTM0.6%5Y0.9%-0.3%
5Y0.9%10Y1.1%-0.3%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6%0.1%+0.5%
TTM0.6%0.1%+0.5%
YOY0.6%0.1%+0.5%
5Y0.9%0.2%+0.7%
10Y1.1%0.1%+1.0%
1.1.3. 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.
  • 20.8% Return on Equity means Australian Finance Group Ltd generated $0.21 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 20.8%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 20.8%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ20.8%TTM20.8%0.0%
TTM20.8%YOY21.0%-0.2%
TTM20.8%5Y25.0%-4.1%
5Y25.0%10Y28.3%-3.3%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ20.8%5.1%+15.7%
TTM20.8%6.1%+14.7%
YOY21.0%6.9%+14.1%
5Y25.0%13.6%+11.4%
10Y28.3%12.5%+15.8%

1.2. Operating Efficiency of Australian Finance Group Ltd.

1.2. Operating Efficiency
1.2.1. 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 24.9% means the company generated $0.25  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 24.9%. The company is operating efficient. +1
  • The TTM is 24.9%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ24.9%TTM24.9%0.0%
TTM24.9%YOY14.4%+10.5%
TTM24.9%5Y40.5%-15.6%
5Y40.5%10Y28.0%+12.6%
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ24.9%21.0%+3.9%
TTM24.9%17.5%+7.4%
YOY14.4%27.7%-13.3%
5Y40.5%25.2%+15.3%
10Y28.0%26.8%+1.2%
1.2.2. 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 0.75 means that the operating costs are $0.75 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Australian Finance Group Ltd:

  • The MRQ is 0.751. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.751. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.751TTM0.7510.000
TTM0.751YOY0.856-0.105
TTM0.7515Y2.182-1.431
5Y2.18210Y1.917+0.265
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7510.579+0.172
TTM0.7510.725+0.026
YOY0.8560.752+0.104
5Y2.1820.659+1.523
10Y1.9170.665+1.252

1.3. Liquidity of Australian Finance Group Ltd.

1.3. Liquidity
1.3.1. 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 0.26 means the company has $0.26 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 0.264. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.264. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.264TTM0.2640.000
TTM0.264YOY0.393-0.129
TTM0.2645Y0.361-0.097
5Y0.36110Y0.745-0.384
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.26414.710-14.446
TTM0.26437.702-37.438
YOY0.3932.525-2.132
5Y0.36138.137-37.776
10Y0.74530.991-30.246
1.3.2. 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 5.29 means the company can pay off $5.29 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 5.288. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 5.288. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ5.288TTM5.2880.000
TTM5.288YOY5.728-0.440
TTM5.2885Y4.690+0.598
5Y4.69010Y2.835+1.855
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ5.2883.339+1.949
TTM5.28841.352-36.064
YOY5.7283.145+2.583
5Y4.69035.139-30.449
10Y2.83539.955-37.120

1.4. Solvency of Australian Finance Group Ltd.

1.3. Liquidity
1.4.1. 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 0.97 means that Australian Finance Group Ltd assets are financed with 96.8% credit (debt) and the remaining percentage (100% - 96.8%) 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 0.968. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.968. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.968TTM0.9680.000
TTM0.968YOY0.969-0.001
TTM0.9685Y0.961+0.007
5Y0.96110Y0.958+0.003
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9680.964+0.004
TTM0.9680.948+0.020
YOY0.9690.946+0.023
5Y0.9610.947+0.014
10Y0.9580.933+0.025
1.4.2. 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 3,419.3% means that company has $34.19 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 34.193. The company is unable to pay all its debts with equity. -1
  • The TTM is 34.193. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ34.193TTM34.1930.000
TTM34.193YOY35.118-0.926
TTM34.1935Y28.348+5.844
5Y28.34810Y25.346+3.003
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
MRQ34.19329.828+4.365
TTM34.19327.007+7.186
YOY35.11829.454+5.664
5Y28.34825.735+2.613
10Y25.34621.065+4.281

2. Market Valuation of Australian Finance Group Ltd

2.1. Earnings Per Share
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 13.15 means the investor is paying $13.15 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 11.975. Based on the earnings, the company is underpriced. +1
  • The MRQ is 13.151. Based on the earnings, the company is underpriced. +1
  • The TTM is 13.151. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD11.975MRQ13.151-1.175
MRQ13.151TTM13.1510.000
TTM13.151YOY10.620+2.531
TTM13.1515Y12.719+0.432
5Y12.71910Y11.980+0.739
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD11.9752.274+9.701
MRQ13.1511.649+11.502
TTM13.1511.120+12.031
YOY10.6208.682+1.938
5Y12.71918.078-5.359
10Y11.98011.419+0.561
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 8.722. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 9.578. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 9.578. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD8.722MRQ9.578-0.856
MRQ9.578TTM9.5780.000
TTM9.578YOY10.293-0.716
TTM9.5785Y-91.904+101.482
5Y-91.90410Y-43.835-48.069
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD8.7222.464+6.258
MRQ9.5781.737+7.841
TTM9.5781.266+8.312
YOY10.2930.132+10.161
5Y-91.9040.468-92.372
10Y-43.835-0.095-43.740
2. Book Value per Share
2.3. 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 2.46 means the investor is paying $2.46 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 2.237. Based on the equity, the company is underpriced. +1
  • The MRQ is 2.456. Based on the equity, the company is underpriced. +1
  • The TTM is 2.456. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD2.237MRQ2.456-0.220
MRQ2.456TTM2.4560.000
TTM2.456YOY2.005+0.452
TTM2.4565Y2.759-0.303
5Y2.75910Y3.114-0.355
Compared to industry (Mortgage Finance)
PeriodCompanyIndustry (mean)+/- 
EOD2.2370.487+1.750
MRQ2.4560.352+2.104
TTM2.4560.310+2.146
YOY2.0050.418+1.587
5Y2.7591.656+1.103
10Y3.1140.907+2.207
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Australian Finance Group Ltd.

3.1. Funds holding Australian Finance Group Ltd

4. Summary

4.1. 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---0.025-0.0250%0.006-492%0.077-132%-0.143+482%
Book Value Per Share--0.7290.7290%0.753-3%0.682+7%0.524+39%
Current Ratio--0.2640.2640%0.393-33%0.361-27%0.745-65%
Debt To Asset Ratio--0.9680.9680%0.9690%0.961+1%0.958+1%
Debt To Equity Ratio--34.19334.1930%35.118-3%28.348+21%25.346+35%
Dividend Per Share--0.1600.1600%0.142+12%0.116+38%0.111+44%
Eps--0.1360.1360%0.142-4%0.146-7%0.128+6%
Free Cash Flow Per Share--0.1870.1870%0.147+27%0.133+41%0.119+57%
Free Cash Flow To Equity Per Share---1.302-1.3020%5.457-124%2.413-154%1.485-188%
Gross Profit Margin--0.8170.8170%0.879-7%0.892-8%0.883-7%
Intrinsic Value_10Y_max--2.177--------
Intrinsic Value_10Y_min--1.478--------
Intrinsic Value_1Y_max--0.185--------
Intrinsic Value_1Y_min--0.138--------
Intrinsic Value_3Y_max--0.581--------
Intrinsic Value_3Y_min--0.426--------
Intrinsic Value_5Y_max--1.008--------
Intrinsic Value_5Y_min--0.724--------
Market Cap441353456.960-11%490673010.000490673010.0000%411796630.000+19%511001936.971-4%420950220.190+17%
Net Profit Margin--0.0360.0360%0.041-11%0.141-74%0.102-64%
Operating Margin--0.2490.2490%0.144+72%0.405-39%0.280-11%
Operating Ratio--0.7510.7510%0.856-12%2.182-66%1.917-61%
Pb Ratio2.237-10%2.4562.4560%2.005+23%2.759-11%3.114-21%
Pe Ratio11.975-10%13.15113.1510%10.620+24%12.719+3%11.980+10%
Price Per Share1.630-10%1.7901.7900%1.510+19%1.879-5%1.550+15%
Price To Free Cash Flow Ratio8.722-10%9.5789.5780%10.293-7%-91.904+1060%-43.835+558%
Price To Total Gains Ratio12.057-10%13.24013.2400%10.177+30%10.327+28%8.764+51%
Quick Ratio--5.2885.2880%5.728-8%4.690+13%2.835+87%
Return On Assets--0.0060.0060%0.006+2%0.009-33%0.011-48%
Return On Equity--0.2080.2080%0.210-1%0.250-17%0.283-26%
Total Gains Per Share--0.1350.1350%0.148-9%0.193-30%-0.032+124%
Usd Book Value--130311275.600130311275.6000%134005250.500-3%121133805.980+8%92844975.544+40%
Usd Book Value Change Per Share---0.016-0.0160%0.004-492%0.050-132%-0.093+482%
Usd Book Value Per Share--0.4750.4750%0.491-3%0.445+7%0.342+39%
Usd Dividend Per Share--0.1040.1040%0.093+12%0.076+38%0.072+44%
Usd Eps--0.0890.0890%0.093-4%0.095-7%0.084+6%
Usd Free Cash Flow--33417329.00033417329.0000%26095913.800+28%23623044.500+41%21063709.211+59%
Usd Free Cash Flow Per Share--0.1220.1220%0.096+27%0.087+41%0.077+57%
Usd Free Cash Flow To Equity Per Share---0.849-0.8490%3.559-124%1.574-154%0.969-188%
Usd Market Cap287894859.975-11%320066004.423320066004.4230%268614941.749+19%333326563.486-4%274585828.630+17%
Usd Price Per Share1.063-10%1.1681.1680%0.985+19%1.225-5%1.011+15%
Usd Profit--24338617.60024338617.6000%25294237.100-4%26555002.540-8%23119251.467+5%
Usd Revenue--668403982.400668403982.4000%619252525.100+8%456623437.380+46%409389423.178+63%
Usd Total Gains Per Share--0.0880.0880%0.097-9%0.126-30%-0.021+124%
 EOD+4 -4MRQTTM+0 -0YOY+16 -205Y+14 -2210Y+23 -13

4.2. 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)Between0-1511.975
Price to Book Ratio (EOD)Between0-12.237
Net Profit Margin (MRQ)Greater than00.036
Operating Margin (MRQ)Greater than00.249
Quick Ratio (MRQ)Greater than15.288
Current Ratio (MRQ)Greater than10.264
Debt to Asset Ratio (MRQ)Less than10.968
Debt to Equity Ratio (MRQ)Less than134.193
Return on Equity (MRQ)Greater than0.150.208
Return on Assets (MRQ)Greater than0.050.006
Total6/10 (60.0%)

4.3. 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
RsiGreater than5058.895
Ma 20Greater thanMa 501.543
Ma 50Greater thanMa 1001.588
Ma 100Greater thanMa 2001.547
OpenGreater thanClose1.670
Total3/5 (60.0%)



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in AUD. All numbers in thousands.

Summary
Total Assets6,322,329
Total Liabilities6,122,557
Total Stockholder Equity179,061
 As reported
Total Liabilities 6,122,557
Total Stockholder Equity+ 179,061
Total Assets = 6,322,329

Assets

Total Assets6,322,329
Total Current Assets60,031
Long-term Assets102,450
Total Current Assets
Cash And Cash Equivalents 222,242
Short-term Investments -162,211
Net Receivables 1,143,729
Other Current Assets -1,365,971
Total Current Assets  (as reported)60,031
Total Current Assets  (calculated)-162,211
+/- 222,242
Long-term Assets
Property Plant Equipment 7,202
Goodwill 61,082
Long Term Investments 37,480
Intangible Assets 95,248
Long-term Assets Other -416,172
Long-term Assets  (as reported)102,450
Long-term Assets  (calculated)-215,160
+/- 317,610

Liabilities & Shareholders' Equity

Total Current Liabilities227,632
Long-term Liabilities2,007,241
Total Stockholder Equity179,061
Total Current Liabilities
Short-term Debt 2,585,796
Short Long Term Debt 4,597,951
Accounts payable 1,145,223
Other Current Liabilities -3,509,102
Total Current Liabilities  (as reported)227,632
Total Current Liabilities  (calculated)4,819,868
+/- 4,592,236
Long-term Liabilities
Long term Debt Total 2,012,155
Long-term Liabilities  (as reported)2,007,241
Long-term Liabilities  (calculated)2,012,155
+/- 4,914
Total Stockholder Equity
Common Stock102,125
Retained Earnings 89,867
Accumulated Other Comprehensive Income -12,931
Total Stockholder Equity (as reported)179,061
Total Stockholder Equity (calculated)179,061
+/-0
Other
Capital Stock102,125
Cash And Equivalents1,250
Cash and Short Term Investments 222,242
Common Stock Shares Outstanding 274,119
Current Deferred Revenue5,715
Liabilities and Stockholders Equity 6,322,329
Net Debt 4,375,709
Net Invested Capital 4,777,012
Net Tangible Assets 83,813
Net Working Capital -167,601
Property Plant and Equipment Gross 7,202
Short Long Term Debt Total 4,597,951



Balance Sheet

Currency in AUD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302008-06-302007-06-302006-06-302005-06-30
> Total Assets 
810,063
1,308,876
8,583,660
7,478,761
1,667,482
1,830,321
2,017,226
2,293,409
3,089,960
4,089,527
4,741,585
6,678,456
6,322,329
6,322,3296,678,4564,741,5854,089,5273,089,9602,293,4092,017,2261,830,3211,667,4827,478,7618,583,6601,308,876810,063
   > Total Current Assets 
775,483
1,245,905
4,785,373
4,888,004
1,663,260
1,827,185
2,014,583
2,278,684
102,233
108,147
106,930
84,681
60,031
60,03184,681106,930108,147102,2332,278,6842,014,5831,827,1851,663,2604,888,0044,785,3731,245,905775,483
       Cash And Cash Equivalents 
4,219
10,255
444,848
350,705
81,768
130,665
124,801
88,710
96,818
161,528
226,048
268,585
222,242
222,242268,585226,048161,52896,81888,710124,801130,66581,768350,705444,84810,2554,219
       Short-term Investments 
0
0
0
0
69
49
31
15
6
-53,381
15,000
-183,904
-162,211
-162,211-183,90415,000-53,3816153149690000
       Net Receivables 
769,798
1,139,801
4,169,956
2,054,829
553,859
650,059
737,580
810,117
5,409
976,844
1,051,933
1,150,601
1,143,729
1,143,7291,150,6011,051,933976,8445,409810,117737,580650,059553,8592,054,8294,169,9561,139,801769,798
       Other Current Assets 
1,466
21,252
117,050
2,420,997
1,027,564
1,046,412
1,152,171
1,379,842
2,971,725
-1,138,372
-1,292,981
-1,419,186
-1,365,971
-1,365,971-1,419,186-1,292,981-1,138,3722,971,7251,379,8421,152,1711,046,4121,027,5642,420,997117,05021,2521,466
   > Long-term Assets 
0
0
0
0
4,222
3,136
2,643
14,725
16,002
10,147
15,178
98,690
102,450
102,45098,69015,17810,14716,00214,7252,6433,1364,2220000
       Property Plant Equipment 
63
53
2,090,321
1,733,023
3,356
2,379
1,898
1,379
849
6,829
5,672
5,997
7,202
7,2025,9975,6726,8298491,3791,8982,3793,3561,733,0232,090,3215363
       Goodwill 
0
0
1,068,452
368,847
0
0
0
0
0
0
60,748
60,748
61,082
61,08260,74860,748000000368,8471,068,45200
       Long Term Investments 
33,252
62,918
535,817
340,272
0
49
31
12,830
14,347
17,034
40,999
31,421
37,480
37,48031,42140,99917,03414,34712,83031490340,272535,81762,91833,252
       Intangible Assets 
0
0
49,295
29,305
866
757
745
516
806
3,318
9,506
92,693
95,248
95,24892,6939,5063,31880651674575786629,30549,29500
       Long-term Assets Other 
0
0
0
0
-69
-49
-31
-12,830
-16,002
3,201
4,325
-408,988
-416,172
-416,172-408,9884,3253,201-16,002-12,830-31-49-690000
> Total Liabilities 
358,527
704,741
6,381,379
6,933,481
1,604,121
1,741,801
1,909,931
2,200,085
2,947,848
3,911,314
4,538,604
6,473,021
6,122,557
6,122,5576,473,0214,538,6043,911,3142,947,8482,200,0851,909,9311,741,8011,604,1216,933,4816,381,379704,741358,527
   > Total Current Liabilities 
17,608
73,720
2,270,039
2,680,697
0
951,548
1,045,097
2,162,908
2,947,848
192,443
193,472
215,646
227,632
227,632215,646193,472192,4432,947,8482,162,9081,045,097951,54802,680,6972,270,03973,72017,608
       Short-term Debt 
339,711
693,097
6,117,086
4,527,164
1,044,312
1,072,215
1,164,478
1,381,761
2,073,772
1,820,307
1,525,218
2,599,896
2,585,796
2,585,7962,599,8961,525,2181,820,3072,073,7721,381,7611,164,4781,072,2151,044,3124,527,1646,117,086693,097339,711
       Short Long Term Debt 
339,711
693,097
6,117,086
4,527,164
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
4,597,9514,954,8963,463,0742,921,1212,073,7721,381,7611,164,4781,072,21504,527,1646,117,086693,097339,711
       Accounts payable 
1,871
8,876
33,787
15,669
0
646,113
56,676
781,147
874,076
950,792
1,036,275
1,138,239
1,145,223
1,145,2231,138,2391,036,275950,792874,076781,14756,676646,113015,66933,7878,8761,871
       Other Current Liabilities 
14,745
0
26,613
69,274
0
7,019
8,836
9,932
-2,947,848
-2,584,275
-2,376,702
-3,522,489
-3,509,102
-3,509,102-3,522,489-2,376,702-2,584,275-2,947,8489,9328,8367,019069,27426,613014,745
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
2,947,848
1,095,547
1,933,792
2,350,970
2,007,241
2,007,2412,350,9701,933,7921,095,5472,947,84800000000
       Long term Debt Total 
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
2,012,1552,355,0001,937,8561,100,814919,606623,050324,662309,2591,041,0990000
       Deferred Long Term Liability 
0
0
0
0
0
1,267
690
555
2,703
0
0
0
0
00002,7035556901,26700000
> Total Stockholder Equity
451,536
604,135
2,179,340
513,071
63,361
88,520
107,295
93,324
104,822
178,213
202,981
184,320
179,061
179,061184,320202,981178,213104,82293,324107,29588,52063,361513,0712,179,340604,135451,536
   Common Stock
415,303
539,837
2,107,176
2,231,743
45,671
43,541
43,541
43,541
43,541
102,157
102,125
102,125
102,125
102,125102,125102,125102,15743,54143,54143,54143,54145,6712,231,7432,107,176539,837415,303
   Retained Earnings 
44,159
60,948
130,791
-1,683,614
17,750
44,980
63,410
49,056
59,747
73,466
96,313
96,337
89,867
89,86796,33796,31373,46659,74749,05663,41044,98017,750-1,683,614130,79160,94844,159
   Capital Surplus 0000000000000
   Treasury Stock0000000000000
   Other Stockholders Equity 
-7,640
3,350
-54,429
-13,830
1,982
23
344
727
1,534
-175,623
-198,438
-198,462
-191,992
-191,992-198,462-198,438-175,6231,534727344231,982-13,830-54,4293,350-7,640



Balance Sheet

Currency in AUD. All numbers in thousands.




Cash Flow

Currency in AUD. All numbers in thousands.




Income Statement

Currency in AUD. All numbers in thousands.


Latest Income Statement (annual, 2023-06-30)

Gross Profit (+$)
totalRevenue1,024,688
Cost of Revenue-686,146
Gross Profit338,542338,542
 
Operating Income (+$)
Gross Profit338,542
Operating Expense-83,380
Operating Income255,162255,162
 
Operating Expense (+$)
Research Development1,544
Selling General Administrative10,805
Selling And Marketing Expenses6,824
Operating Expense83,38019,173
 
Net Interest Income (+$)
Interest Income7,281
Interest Expense-213,755
Other Finance Cost-341,236
Net Interest Income134,762
 
Pretax Income (+$)
Operating Income255,162
Net Interest Income134,762
Other Non-Operating Income Expenses0
Income Before Tax (EBT)47,577462,747
EBIT - interestExpense = 41,407
51,839
251,067
Interest Expense213,755
Earnings Before Interest and Taxes (EBIT)255,162261,332
Earnings Before Interest and Taxes (EBITDA)262,166
 
After tax Income (+$)
Income Before Tax47,577
Tax Provision-14,527
Net Income From Continuing Ops39,10933,050
Net Income37,312
Net Income Applicable To Common Shares37,312
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses769,526
Total Other Income/Expenses Net-207,585-134,762
 

Technical Analysis of Australian Finance Group Ltd
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Australian Finance Group Ltd. The general trend of Australian Finance Group Ltd is BULLISH with 42.9% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Australian Finance Group Ltd's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (42.9%) Bearish trend (-42.9%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Australian Finance Group Ltd.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 1.6851825503356 < 1.7728640449438 < 1.7751715846995.

The bearish price targets are: 1.4027351351351 > 1.392947766323 > 1.23710651341.

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Australian Finance Group Ltd Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Australian Finance Group Ltd. The current mas is .

The long score for the Moving Averages is 10/14.
The longshort score for the Moving Averages is 6/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Australian Finance Group Ltd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Australian Finance Group Ltd. The current macd is 0.01409914.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Australian Finance Group Ltd price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Australian Finance Group Ltd. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Australian Finance Group Ltd price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Australian Finance Group Ltd Daily Moving Average Convergence/Divergence (MACD) ChartAustralian Finance Group Ltd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Australian Finance Group Ltd. The current adx is 22.13.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Australian Finance Group Ltd shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Australian Finance Group Ltd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Australian Finance Group Ltd. The current sar is 1.53474847.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Australian Finance Group Ltd Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Australian Finance Group Ltd. The current rsi is 58.89. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
Australian Finance Group Ltd Daily Relative Strength Index (RSI) ChartAustralian Finance Group Ltd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Australian Finance Group Ltd. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Australian Finance Group Ltd price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Australian Finance Group Ltd Daily Stochastic Oscillator ChartAustralian Finance Group Ltd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Australian Finance Group Ltd. The current cci is 142.54.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Australian Finance Group Ltd Daily Commodity Channel Index (CCI) ChartAustralian Finance Group Ltd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Australian Finance Group Ltd. The current cmo is 28.94.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Australian Finance Group Ltd Daily Chande Momentum Oscillator (CMO) ChartAustralian Finance Group Ltd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Australian Finance Group Ltd. The current willr is -25.64102564.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Australian Finance Group Ltd is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Australian Finance Group Ltd Daily Williams %R ChartAustralian Finance Group Ltd Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Australian Finance Group Ltd.

Australian Finance Group Ltd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Australian Finance Group Ltd. The current atr is 0.04786537.

Australian Finance Group Ltd Daily Average True Range (ATR) ChartAustralian Finance Group Ltd Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Australian Finance Group Ltd. The current obv is -15,987,821.

Australian Finance Group Ltd Daily On-Balance Volume (OBV) ChartAustralian Finance Group Ltd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Australian Finance Group Ltd. The current mfi is 84.21.

The long score for the Money Flow Index (MFI) is 2/2.
The longshort score for the Money Flow Index (MFI) is 2/(-2 +2).

  • MFI > 50: +1
  • MFI > 80: +1
Australian Finance Group Ltd Daily Money Flow Index (MFI) ChartAustralian Finance Group Ltd Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Australian Finance Group Ltd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-08STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-10STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-14STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-15CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-11-17BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-11-20STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-23STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-24STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-01STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-04ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-06STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-07MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-11RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-12SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-12-14STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-15MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-18STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-20STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-22STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-27CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-02SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-05WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-09STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-10BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-11CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-12CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-15CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-16STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-17WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-01-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-22CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-23STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-24SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-30DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-01-31SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-02MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-02-06CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-02-07ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-08STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-12RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-02-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-14STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-16STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-19CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-20CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-02-27STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-29CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-03-04STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-11STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-12SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-13CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-14CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-15STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-18MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-20WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-21DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-22CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-27STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Australian Finance Group Ltd Daily Candlestick Chart
DateCandlestick Pattern

6.4. 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
RsiGreater than5058.895
Ma 20Greater thanMa 501.543
Ma 50Greater thanMa 1001.588
Ma 100Greater thanMa 2001.547
OpenGreater thanClose1.670
Total3/5 (60.0%)
Penke

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