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ASX Stocks That May Be Undervalued In February 2026
Thu 05 Feb 26, 07:35 PMASX Growth Companies With High Insider Ownership In August 2025
Wed 27 Aug 25, 07:41 PMFavourable Signals For Australian Finance Group: Numerous Insiders Acquired Stock
Tue 09 Jan 24, 11:29 PMAustralian Finance Group's (ASX:AFG) Dividend Will Be Reduced To A$0.041
Mon 28 Aug 23, 08:10 PMAustralian Finance Group (ASX:AFG) shareholders have earned a 12% CAGR over the last five years
Thu 06 Jul 23, 09:45 PM| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Income before tax | 48.70M | 43.99M | 53.64M | 60.38M | 70.77M |
| Minority interest | -0.40000M | -1.47500M | -1.79700M | -0.93500M | - |
| Net income | 35.00M | 28.98M | 37.31M | 38.78M | 51.30M |
| Selling general administrative | 62.80M | 58.09M | 60.34M | 49.95M | 39.08M |
| Selling and marketing expenses | 5.80M | 4.73M | 6.82M | 4.68M | 1.85M |
| Gross profit | 116.40M | 363.15M | 106.88M | 122.90M | 99.54M |
| Reconciled depreciation | 10.50M | 7.36M | 7.00M | 4.12M | 2.06M |
| Ebit | 48.70M | 284.46M | 44.84M | 55.33M | 68.70M |
| Ebitda | 59.20M | 291.82M | 51.84M | 59.44M | 70.77M |
| Depreciation and amortization | 10.50M | 7.36M | 7.00M | 4.12M | 2.06M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 48.70M | 43.99M | 44.84M | 55.33M | 68.70M |
| Other operating expenses | 355.20M | 306.77M | 952.24M | 867.77M | 676.84M |
| Interest expense | 287.00M | 250.32M | 213.75M | 58.81M | 46.71M |
| Tax provision | 13.30M | 13.54M | 14.53M | 20.67M | 19.46M |
| Interest income | 412.30M | 367.00M | 7.28M | 191.32M | 158.49M |
| Net interest income | 125.30M | 116.68M | 134.76M | 132.51M | 111.78M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 13.30M | 13.54M | 14.53M | 20.67M | 19.46M |
| Total revenue | 403.90M | 1097.02M | 106.88M | 122.90M | 99.54M |
| Total operating expenses | 67.70M | 56.42M | 952.24M | 867.77M | 676.84M |
| Cost of revenue | 287.50M | 733.87M | 684.64M | 746.57M | 601.55M |
| Total other income expense net | 6.10M | -240.47100M | 53.64M | 60.38M | 70.77M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 35.40M | 30.45M | 39.11M | 39.71M | 51.30M |
| Net income applicable to common shares | 35.00M | 28.98M | 37.31M | 38.78M | 51.30M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Total assets | 7067.50M | 6291.19M | 6004.87M | 6361.67M | 4741.59M |
| Intangible assets | 44.40M | - | 34.17M | 31.95M | 9.51M |
| Earning assets | - | - | - | - | - |
| Other current assets | - | -1363.82800M | 168.44M | 5951.21M | 4438.72M |
| Total liab | 6845.40M | 6084.14M | 5805.10M | 6156.23M | 4538.60M |
| Total stockholder equity | 222.10M | 194.42M | 179.06M | 184.32M | 202.98M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | - | -2363.15600M | -5743.17400M | 15.89M | -4499.34900M |
| Common stock | - | 102.12M | 102.12M | 102.12M | 102.12M |
| Capital stock | 102.10M | - | 102.12M | 102.12M | 102.12M |
| Retained earnings | 111.10M | 96.91M | 89.87M | 96.34M | 96.31M |
| Other liab | - | - | 845.25M | 859.77M | 784.99M |
| Good will | 61.10M | - | 61.08M | 60.75M | 60.75M |
| Other assets | - | 6291.19M | 5842.39M | 6178.30M | 4619.48M |
| Cash | 223.80M | 221.62M | 222.24M | 268.58M | 226.05M |
| Cash and equivalents | - | - | 1.25M | 1.25M | 1.23M |
| Total current liabilities | - | 2363.16M | 5743.17M | 6093.14M | 4499.35M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 5393.30M | 4348.84M | 4375.71M | 4686.31M | 3237.03M |
| Short term debt | - | 2363.16M | 4597.95M | 4954.90M | 3463.07M |
| Short long term debt | 5617.10M | - | 4597.95M | 4954.90M | 3463.07M |
| Short long term debt total | - | 4570.46M | 4597.95M | 4954.90M | 3463.07M |
| Other stockholder equity | - | - | -191.99200M | -198.46200M | -198.43800M |
| Property plant equipment | - | - | 7.20M | 6.00M | 5.67M |
| Total current assets | - | - | 60.03M | 84.68M | 106.93M |
| Long term investments | 48.60M | - | 37.48M | 31.42M | 41.00M |
| Net tangible assets | - | - | 83.81M | 91.63M | 193.47M |
| Short term investments | - | - | -162.21100M | -183.90400M | 15.00M |
| Net receivables | 15.20M | 1142.21M | 15.10M | 11.77M | 5.64M |
| Long term debt | - | - | 2007.24M | 2350.97M | 1933.79M |
| Inventory | - | - | - | -5962.97300M | -4444.36000M |
| Accounts payable | 1186.30M | - | 1145.22M | 1138.24M | 1036.28M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | -4.61200M | -12.93100M | -14.14200M | 4.54M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | - | -319.23300M | -102.45000M | -98.69000M | -15.17800M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | - | 320.67M | 102.45M | 98.69M | 15.18M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | 2012.15M | 2355.00M | 1937.86M |
| Breakdown | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
| Investments | -1053.70000M | 13.19M | 309.64M | 0.52M | -18.91500M |
| Change to liabilities | - | - | 2.31M | 8.84M | 14.48M |
| Total cashflows from investing activities | -1053.70000M | 13.19M | 309.64M | -1457.50600M | -505.94600M |
| Net borrowings | 1041.50M | -28.91000M | -362.08900M | 1486.89M | 540.35M |
| Total cash from financing activities | 1020.00M | -52.59200M | -408.07200M | 1448.14M | 511.86M |
| Change to operating activities | - | - | -0.62300M | -9.49500M | 0.40M |
| Net income | 35.00M | 28.98M | 37.31M | 38.78M | 51.30M |
| Change in cash | 2.20M | -0.62400M | -46.34300M | 42.54M | 64.52M |
| Begin period cash flow | 221.62M | 222.24M | 268.58M | 226.05M | 161.53M |
| End period cash flow | 223.82M | 221.62M | 222.24M | 268.58M | 226.05M |
| Total cash from operating activities | 35.90M | 38.78M | 52.09M | 51.90M | 58.60M |
| Issuance of capital stock | - | - | - | - | 0.04M |
| Depreciation | - | 7.36M | 5.46M | 3.97M | 1.71M |
| Other cashflows from investing activities | -1035.00000M | 23.87M | 316.67M | 0.26M | 0.75M |
| Dividends paid | -21.50000M | -21.93200M | 45.98M | 38.76M | 28.45M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -5.30000M | 4.44M | - | - | - |
| Sale purchase of stock | - | - | - | 0.00000M | 1132.08M |
| Other cashflows from financing activities | -0.30000M | -1.75000M | 2065.44M | 4304.00M | 540.31M |
| Change to netincome | - | - | 6.09M | 9.66M | -9.64500M |
| Capital expenditures | 5.80M | 17.84M | 7.03M | 12.67M | 6.98M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -9.80000M | 5.34M | -489.53100M | -598.11800M | -468.58300M |
| Stock based compensation | - | - | 1.11M | 1.36M | 1.17M |
| Other non cash items | 45.70M | 33.44M | 8.21M | 7.79M | 4.42M |
| Free cash flow | 30.10M | 20.94M | 45.06M | 39.23M | 51.62M |
Sector: Financial Services Industry: Mortgage Finance
| Company | Change (AUD) | Price (AUD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | |
|---|---|---|---|---|---|---|---|---|
| AFG Australian Finance Group Ltd |
0.01 0.92% | 1.64 | 10.87 | 17.09 | 0.34 | 1.91 | 34.05 | |
| RMC Resimac Group Ltd |
0.03 3.01% | 0.85 | 7.00 | 11.59 | 1.68 | 0.82 | 88.22 | 37.19 |
| N1H N1 Holdings Ltd |
- -% | 0.09 | 9.00 | - | 0.39 | 2.62 | 24.59 |
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.
905 Hay Street, Perth, WA, Australia, 6000
| Name | Title | Year Born |
|---|---|---|
| Mr. David Bailey | Chief Exec. Officer | NA |
| Mr. Malcolm Watkins | Co-Founder & Non-Exec. Director | 1965 |
| Ms. Lisa Bevan | Company Sec. | 1973 |
| Mr. Luca Pietropiccolo | Chief Financial Officer | NA |
| Brad Wearn | Chief Information Officer | NA |
| Ms. Michelle Palethorpe | Gen. Counsel | NA |
| Alison Clarke | Head of Corp. Communications | NA |
| Mr. Chris Slater | Head of Sales & Distribution | NA |
| Mr. Jonathan Amery | Head of Marketing | NA |
| Ms. Amanda Di Virgilio | HR Mang. | NA |
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