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Australian Finance Group (AFG) Fair Value & Analysis

Financial Services · AU · Market cap A$438M

AF Australian Finance Group AFG · AU
PriceA$1.69
Fair ValueA$1.67
Upside-0.9%
Quality95/100
Evidence: High Range A$1.26 – A$2.09

Fair value as of: Jun 26, 2026

From 26 valuation models · updated 3 days ago

Share price +4.1% over the past month.

Price vs Fair Value (12 months)

A$2.79 A$1.55 Fair Value A$1.67 Jun 2025 Jun 2026

12‑month range A$1.55 – A$2.79 · fair‑value band A$1.26 – A$2.09 · the A$1.69 price screens above the A$1.67 fair value. As of Jun 26, 2026.

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Analysis

Australian Finance Group (AFG) currently trades at A$1.69, while our model-based Fair Value estimate is A$1.67 — implying the stock looks roughly 0.9% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

Over the trailing twelve months, Australian Finance Group generated revenue of A$1.3B at a net margin of 3.2%. Revenue grew 14.4% year over year. It earns a return on equity of 19.0%. Net debt stands at A$5.4B. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) A$1.3B
Revenue growth (YoY) +14.4%
Net margin 3.2%
Return on equity 19.0%
Free cash flow A$30.1M FY2025
P/E ratio 10.7
More key figures
Operating margin 3.7%
EPS (TTM) A$0.1500
Dividend yield 6.2%
EPS growth (YoY) +44.6%
Net debt A$5.4B FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

Australian Finance Group Limited, together with its subsidiaries, engages in the mortgage broking business in Australia. It operates in Distribution and Manufacturing segments. 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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Australian Finance Group reported revenue of A$1.2B in FY2025 versus A$761M in FY2021, a compound +12.9%/yr. Reported net income was A$35.0M in FY2025, compounding −9.1%/yr from FY2021.

Revenue +12.9%/yr
FY21 A$761M
FY22 A$949M
FY23 A$1.0B
FY24 A$1.1B
FY25 A$1.2B
Net income −9.1%/yr
FY21 A$51.3M
FY22 A$38.8M
FY23 A$37.3M
FY24 A$29.0M
FY25 A$35.0M

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Frequently asked questions

Is Australian Finance Group (AFG) undervalued?
As of Jun 26, 2026, our model estimates a fair value of A$1.67 versus a price of A$1.69 — about −1% (overvalued). Model-based estimate, not financial advice.
What is the fair value of AFG?
Our 21-model fair value for Australian Finance Group is A$1.67 (as of Jun 26, 2026), built from audited fundamentals. The current price is A$1.69.
What is the quality score of AFG?
Australian Finance Group has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Australian Finance Group (AFG)?
Australian Finance Group reported trailing-twelve-month revenue of about A$1.3B (latest available figure, as of Jun 26, 2026).
What is the net profit margin of AFG?
The net profit margin of Australian Finance Group is about 3.2%, meaning it keeps roughly 3.2% of revenue as net income. Based on the latest reported figures.
Does Australian Finance Group pay a dividend?
Australian Finance Group currently shows a dividend yield of about 6.19% relative to its recent price (as of Jun 26, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.