Australian Finance Group Ltd (AFG) fair value: what the stock is really worth
As of Nov 13, 2026: fair value (intrinsic value) of Australian Finance Group Ltd stock A$2.39, price A$1.55, upside +54.7%, quality 49 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range A$1.13 – A$2.71 · fair‑value band A$1.79 – A$5.45 · the A$1.55 price screens below the A$2.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Australian Finance Group Limited, together with its subsidiaries, engages in the mortgage broking business in Australia. It operates in Distribution and Manufacturing segments.
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The company is involved in the mortgage origination of home loans, commercial loans, and consumer asset finance, as well as distribution of own branded home loan products through its residential mortgage-backed securities program and white label arrangements.
Its products include Suite360 Platform, BrokerEngine Plus Software, and SMART marketing platform, as well as analytics and business data. The company was incorporated in 1994 and is headquartered in Perth, Australia.
Stock analysis
Australian Finance Group Ltd (AFG) currently trades at A$1.55, while our model-based Fair Value estimate is A$2.39, implying the stock looks roughly 35% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of A$8.63 per share, and 8 of the 12 models we run sit above the A$1.55 price.
Bear case: the Asset-Based group reads lowest at A$0.3600, and 4 of the 12 models stay below the price. Data coverage for this calculation is high.
Scenario range: A$1.79 (bear) to A$5.45 (bull), the price of A$1.55 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Australian Finance Group Ltd reported revenue of A$1.4B in FY2026 versus A$949M in FY2022, a compound +10.7%/yr. Reported net income was A$48.5M in FY2026, compounding +5.8%/yr from FY2022.
Key figures
Market cap A$778M (≈ $529M) Small · P/E ratio 8.8 · P/S ratio 0.38 · EPS (TTM) A$0.1756 · Dividend yield 6.1% · Net margin 3.5% · Return on equity 20.9% · Return on assets (EBIT) 2.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 24% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at 55%, AFG screens cheaper than that median.
Fair Value models
BearA$1.79Fair Value A$2.39BullA$5.45
Price A$1.55 · Upside +54.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 5 months old). Earnings retained since then (A$0.0319 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.4%
Start year 2021 (pandemic). Over 10 years: +10.4% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.3%
Dividend (yield on the price)6.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.3% vs 5.2%, steady
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 26%
Compare Australian Finance Group Ltd with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Mortgage Finance · 55 stocks
Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside+54.7% · Above median
Profitability
Return on equity (12 months)20.9% · Top 25%
Return on assets0.6% · Below median
Net margin (12 months)3.5% · Bottom 25%
Operating margin (12 months)3.7% · Below median
Growth and dividend
Revenue growth (quarter YoY)13.7% · Above median
Dividend yield (12 months)6.1% · Above median
Balance sheet
Debt / equity11.92× · Highest 25%
Valuation Multiplesvs Mortgage Finance median · lower = cheaper
P/E (12 months)8.8× · Cheaper than median
P/B2.18× · Priciest 25%
P/S (12 months)0.38× · Cheapest 25%
Price / free cash flow (fiscal year)9.0× · Cheaper than median
EV/EBITDA8.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 46
FUTURE (revenue growth)69· sector 31
PAST (return on equity)84· sector 33
HEALTH (low debt)–
DIVIDEND (yield)100· sector 75
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Australian Finance Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/AFG.AU
Frequently asked questions
Is Australian Finance Group Ltd (AFG) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of A$2.39 versus a price of A$1.55, about +55% upside (undervalued).
What is the fair value of AFG?
Our model-based fair value for Australian Finance Group Ltd is A$2.39 (as of Nov 8, 2026), built from audited fundamentals. The current price: A$1.55.
What is the quality score of AFG?
Australian Finance Group Ltd has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Australian Finance Group Ltd (AFG)?
Our model-based price target is the fair value of A$2.39 (as of Nov 8, 2026) from 13 valuation models. Cautious scenario A$1.79, optimistic scenario A$5.45. It is a calculation from audited fundamentals, not an analyst target.
What is the Australian Finance Group Ltd stock forecast for 2026?
Our models put fair value at A$2.39, about +55% upside versus a price of A$1.55 (undervalued). Cautious scenario A$1.79, optimistic scenario A$5.45. The calculation is refreshed regularly with new filings.
What is the revenue of Australian Finance Group Ltd (AFG)?
Australian Finance Group Ltd reported trailing-twelve-month revenue of about A$1.4B (latest available figure, as of Nov 8, 2026).
Does Australian Finance Group Ltd pay a dividend?
Australian Finance Group Ltd currently shows a dividend yield of 6.15% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Australian Finance Group Ltd (AFG) and when is the ex-dividend date?
Australian Finance Group Ltd pays a dividend of A$0.095 per share a year, a dividend yield of 6.1%. The last ex-dividend date was Aug 31, 2026. A dividend has been paid every year since at least 2016. The payout ratio is 46.3% of earnings (on adjusted earnings, reported 52.8%). Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Australian Finance Group Ltd (AFG)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Australian Finance Group Ltd it is A$2.39 per share (as of Nov 8, 2026), against a price of A$1.55. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Australian Finance Group Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, AFG trades below its calculated fair value: price A$1.55, fair value A$2.39, a gap of about +55% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AFG?
No. The price is what the market pays today (A$1.55); the fair value is what the company's own numbers justify (A$2.39). For Australian Finance Group Ltd the two are A$0.8450 per share apart. That gap is exactly why we show both numbers side by side.
How much is Australian Finance Group Ltd worth?
The market values Australian Finance Group Ltd at about A$778M (market capitalisation, as of Nov 8, 2026). Per share that is A$1.55; our models calculate a fair value of A$2.39 per share.
What do the bullish and bearish scenarios say about AFG?
Our models span a range for Australian Finance Group Ltd: cautious scenario A$1.79, base A$2.39, optimistic A$5.45 per share (as of Nov 8, 2026, price A$1.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AFG?
Australian Finance Group Ltd trades at a price-to-earnings ratio of 8.8 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$2.39 is built from several models across several years. Excluding one-off items of fiscal year 2026 it is 7.7 (reported 8.8). Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings, FY2026 ex one-offs: 12.4. Other multiples: P/B 2.2, P/S 0.4, EV/EBITDA 8.0.
How solid is the balance sheet of Australian Finance Group Ltd (AFG)?
Balance-sheet figures for Australian Finance Group Ltd (as of Nov 8, 2026): return on equity 20.9%, debt of 11.92 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is AFG from its 52-week high?
Australian Finance Group Ltd trades at A$1.55, about 35% below its 52-week high of A$2.36 and 24% above the low of A$1.25 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of A$2.39 is for.
Which stocks are comparable to Australian Finance Group Ltd?
From the same area (Financial Services) we also value Rocket Companies, Inc, Bajaj Housing Finance Limited, PennyMac Financial Services, Inc, LIC Housing Finance Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Australian Finance Group Ltd stock attractive at the current price?
The data as of Nov 8, 2026: price A$1.55, calculated fair value A$2.39 (+55%), Quality Score 49/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AFG calculated?
We run Australian Finance Group Ltd through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$2.39 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0% above its aggregate fair value. Australian Finance Group Ltd currently trades 35% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Australian Finance Group Ltd (AFG)?
The closing price on Nov 13, 2026 was A$1.55. Our model-based fair value is A$2.39, about +55% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Australian Finance Group Ltd right now?
The large discount to fair value meets weak quality (49/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (A$1.79). The market is more pessimistic than our downside scenario. The model range is unusually wide (A$1.79 to A$5.45). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Australian Finance Group Ltd (AFG) come from?
Earnings per share at Australian Finance Group Ltd grew +0.4 % a year from 2015 to 2026. Broken into its drivers: revenue per share +6.4 %, EBIT margin +5.2 %, tax rate +0.2 %, residual (interest, one-offs) −10.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Australian Finance Group Ltd
How large is the market capitalisation of Australian Finance Group Ltd (AFG)?
The market capitalisation of Australian Finance Group Ltd is A$778M (≈ $529M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Australian Finance Group Ltd (AFG)?
The price-to-sales ratio of Australian Finance Group Ltd is 0.38 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Australian Finance Group Ltd (AFG)?
Earnings per share at Australian Finance Group Ltd are A$0.1756 (price ÷ EPS = P/E 8.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Australian Finance Group Ltd (AFG)?
The dividend yield of Australian Finance Group Ltd is 6.1% (payout 46.3%, on adjusted earnings, reported 52.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Australian Finance Group Ltd (AFG)?
The net margin of Australian Finance Group Ltd is 3.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Australian Finance Group Ltd (AFG)?
The return on equity (ROE) of Australian Finance Group Ltd is 20.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Australian Finance Group Ltd (AFG)?
On an EBIT basis the return on assets of Australian Finance Group Ltd is 2.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Australian Finance Group Ltd (AFG)?
The operating margin of Australian Finance Group Ltd is 3.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Australian Finance Group Ltd (AFG)?
Revenue at Australian Finance Group Ltd is growing +13.7% versus a year earlier (3y avg +11.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Australian Finance Group Ltd (AFG)?
Earnings per share at Australian Finance Group Ltd are growing +33.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Australian Finance Group Ltd (AFG) generate?
The free cash flow of Australian Finance Group Ltd is A$58.5M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Australian Finance Group Ltd (AFG) carry?
The net debt of Australian Finance Group Ltd is A$7.0B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 8, 2026