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Australian Finance Group Limited (AFG.AX)
AUD1.62
-0.04 (-2.42%)
AU ASX Financial Services Financial - Mortgages
Address
100 Havelock Street 6005
West Perth, WA, AU
West Perth, WA, AU
CEO
David Bailey
Website
afgonline.com.au
IPO
2015-05-22
ISIN AU000000AFG9
Description
Operating within Australia, Australian Finance Group Limited (AFG) and its affiliated entities are primarily engaged in the mortgage brokering sector. The company's operations are divided into two distinct segments: Aggregation and AFG Home Loans. AFG facilitates the origination and ongoing management of both residential and commercial mortgages, as well as consumer asset financing. Additionally, it distributes home loan products under its own brand. Beyond individual and commercial property finance, the group provides a range of business loan solutions, including financing for equipment, inventory, franchisees, receivables (debtor finance), commercial real estate, and working capital. Its service portfolio also encompasses the Suite360 technology platform, specialized commercial and business broking, intelligent marketing platforms, and analytical business data services. Established in 1994 as Australian Finance Group Pty Ltd, the company, now known as Australian Finance Group Limited, maintains its headquarters in West Perth, Australia.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
AUD1.62
-0.04 (-2.42%)
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Volume Profile
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Liquidity & share structure
Average Volume
610.0K
Beta
1.14
Float Shares
202.09M
Free Float %
74.4%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.59% | -3.73% | -22.11% | -14.36% | -35.42% | -28.90% | -29.55% | -8.82% | -45.04% | +56.11% | +32.48% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1.62
Ratings Trend (MoM)
50% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 1 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.75
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Mortgages: +18.2%-63.2% Q4'25: +29.6% (vs Q4'23)
-
EPS growth Financial - Mortgages: +18.3%+18.2% Q4'25: +54.0% (vs Q4'23)
-
FCF margin FCF growth · Financial - Mortgages: +84.8%-63.6% Q4'25: +3.1% (vs Q4'23)
-
EBIT margin Financial - Mortgages: +34.8%+12.1% Q4'25: +24.4% (vs Q4'23)
-
ROIC Financial - Mortgages: +4.9%+0.6% Q4'25: +7.8% (vs Q4'23)
-
Share dilution Financial - Mortgages: 0.0%+0.6% Q4'25: +0.5% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Mortgages: 7.44×94.88× Q4'25: 8.77× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jun 2015 actual |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 1 Rev. Ana. 1 EPS Ana. |
Jun 2027 1 Rev. Ana. 1 EPS Ana. |
Jun 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
512.08M
est: 489.58M (+4.6%)
|
528.90M
est: 570.09M (-7.2%)
|
586.09M
est: 552.19M (+6.1%)
|
603.39M
est: 607.70M (-0.7%)
|
642.84M
est: 606.52M (+6.0%)
|
689.50M
est: 666.86M (+3.4%)
|
761.47M
est: 798.78M (-4.7%)
|
949.34M
est: 947.77M (+0.2%)
|
1.02B
est: 1.03B (-0.9%)
|
1.10B
est: 1.11B (-1.4%)
|
403.90M
est: 1.27B (-68.2%)
|
1.45B
1.45B – 1.45B
+14.1% YoY
|
1.55B
1.55B – 1.55B
+7.3% YoY
|
1.70B
1.70B – 1.70B
+9.7% YoY
|
| EBITDA |
22.86M
est: 94.65M (-75.8%)
|
—
est: 110.22M (-100.0%)
|
—
est: 34.44M (-100.0%)
|
46.09M
est: 66.82M (-31.0%)
|
—
est: 49.07M (-100.0%)
|
106.26M
est: 55.00M (+93.2%)
|
113.87M
est: 55.77M (+104.2%)
|
141.19M
est: 59.98M (+135.4%)
|
262.17M
est: 37.05M (+607.6%)
|
291.82M
est: 30.83M (+846.5%)
|
59.20M
est: 245.48M (-75.9%)
|
280.04M
280.04M – 280.04M
+14.1% YoY
|
300.49M
300.49M – 300.49M
+7.3% YoY
|
329.53M
329.53M – 329.53M
+9.7% YoY
|
| EBIT |
21.73M
est: 90.09M (-75.9%)
|
-1.10M
est: 104.91M (-101.0%)
|
-944.0K
est: 29.25M (-103.2%)
|
45.09M
est: 61.76M (-27.0%)
|
-1.03M
est: 43.92M (-102.3%)
|
103.77M
est: 47.18M (+119.9%)
|
111.80M
est: 47.85M (+133.7%)
|
137.07M
est: 51.46M (+166.4%)
|
255.16M
est: 31.79M (+702.7%)
|
284.46M
est: 26.45M (+975.4%)
|
48.70M
est: 233.65M (-79.2%)
|
266.54M
266.54M – 266.54M
+14.1% YoY
|
286.01M
286.01M – 286.01M
+7.3% YoY
|
313.65M
313.65M – 313.65M
+9.7% YoY
|
| Net Income |
20.38M
est: 22.02M (-7.5%)
|
22.67M
est: 26.18M (-13.4%)
|
39.05M
est: 21.91M (+78.2%)
|
33.34M
est: 44.10M (-24.4%)
|
33.03M
est: 32.48M (+1.7%)
|
38.08M
est: 36.32M (+4.8%)
|
51.30M
est: 36.83M (+39.3%)
|
38.78M
est: 39.61M (-2.1%)
|
37.31M
est: 37.31M (+0.0%)
|
28.98M
est: 28.98M (+0.0%)
|
35.00M
est: 36.02M (-2.8%)
|
48.71M
48.71M – 48.71M
+35.2% YoY
|
54.27M
54.27M – 54.27M
+11.4% YoY
|
58.46M
58.46M – 58.46M
+7.7% YoY
|
| SGA |
33.26M
est: 39.55M (-15.9%)
|
33.79M
est: 46.06M (-26.6%)
|
35.16M
est: 36.36M (-3.3%)
|
34.56M
est: 43.96M (-21.4%)
|
39.92M
est: 37.48M (+6.5%)
|
39.89M
est: 48.70M (-18.1%)
|
40.92M
est: 49.39M (-17.1%)
|
54.64M
est: 53.11M (+2.9%)
|
67.16M
est: 32.81M (+104.7%)
|
62.82M
est: 27.30M (+130.1%)
|
68.60M
est: 102.58M (-33.1%)
|
117.02M
117.02M – 117.02M
+14.1% YoY
|
125.56M
125.56M – 125.56M
+7.3% YoY
|
137.70M
137.70M – 137.70M
+9.7% YoY
|
| EPS |
0.10
est: 0.08 (+25.2%)
|
0.11
est: 0.09 (+15.9%)
|
0.18
est: 0.13 (+33.7%)
|
0.12
est: 0.13 (-10.0%)
|
0.12
est: 0.14 (-13.4%)
|
0.17
est: 0.16 (+9.7%)
|
0.19
est: 0.19 (+1.2%)
|
0.14
est: 0.20 (-31.6%)
|
0.14
est: 0.16 (-12.4%)
|
0.11
est: 0.11 (-3.8%)
|
0.13
est: 0.13 (-0.5%)
|
0.18
0.18 – 0.18
+35.2% YoY
|
0.20
0.20 – 0.20
+11.4% YoY
|
0.21
0.21 – 0.21
+7.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-28 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-27 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-26 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-25 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-22 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-21 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-20 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-19 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-18 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-15 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-14 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-13 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-12 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-11 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-08 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-01 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | C+ | 2/5 | 1/5 | 5/5 | 3/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | B- | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | B- | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | B- | 2/5 | 1/5 | 5/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 1/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
84.93M
OE per share TTM
0.31
Owner's Yield
20.21%
Maintenance CapEx ratio
1.27%
Maint CapEx / Avg PPE
0.7%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 29 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | BetaShares - Australian Small Companies Select ETF SMLL.AX | 0.37% | 868.2K | 0.39% |
| 2 | iShares S&P/ASX Small Ordinaries ETF ISO.AX | 0.13% | 116.4K | 0.55% |
| 3 | State Street SPDR S&P International Small Cap ETF GWX | 0.02% | 197.2K | 0.40% |
| 4 | BetaShares - FTSE RAFI Australia 200 ETF QOZ.AX | 0.02% | 152.2K | 0.40% |
| 5 | Avantis International Small Cap Value ETF AVDV | 0.01% | 2.71M | 0.36% |
| 6 | Vanguard Australian Shares Index ETF VAS.AX | 0.01% | 2.19M | 0.07% |
| 7 | Avantis International Small Cap Equity ETF AVDS | 0.01% | 30.1K | 0.30% |
| 8 | Schwab International Small-Cap Equity ETF SCHC | 0.01% | 482.6K | 0.06% |
| 9 | Avantis Responsible International Equity ETF AVSD | 0.01% | 28.5K | 0.23% |
| 10 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.01% | 826.7K | 0.06% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
153.6K
Shares Outstanding
271.76M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| David Bailey | Chief Executive Officer | 1M | male |
| Lisa Bevan | Chief Operating Officer | 682.7K | female |
| Luca Pietropiccolo | Chief Financial Officer | 647.2K | male |
| Brett Murray McKeon | Co-Founder & Non-Executive Director | 120.0K | male |
| Sam McCready | Chief Digital Officer | — | male |
| Shirley Elliot | Head of Compliance & Legal Counsel | — | female |
| Alison Clarke | Head of Corporate Communications | — | — |
| Them Lam | Head of Sales & Distribution | — | — |
| Anthony Bird | Chief Risk Officer | — | male |
| Michelle Palethorpe | Company Secretary & General Counsel | — | female |
| Rebecca Gravestock | Chief People Officer | — | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for AFG.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
