YOLFTbeta
Australian Finance Group Ltd

Australian Finance Group Ltd

AFG · AU · Financial Services / Mortgage Finance

1.55AUD-0.02 (-0.96%)

Price History

Full chart

Market Stats

Previous Close1.56
Open1.56
Day Range1.52 – 1.56
52-Week Range1.24 – 2.61
Volume343.83K
Market Cap343.22M
P/E (TTM)7.06
Forward P/E17.09
EPS0.18
Dividend Yield7.56%
Beta1.13
50-Day Avg1.48
200-Day Avg1.77

About

Australian Finance Group Limited, together with its subsidiaries, engages in the mortgage origination and lending business in Australia. It operates through Distribution and Manufacturing segments. The company is involved in the distribution of home loans, consumer asset finance and commercial loans through AFG broker, as well as residential mortgage lending of own branded home loan products distributed through warehouse facilities and the Group's residential mortgage-backed securities program and white label products. Its products include Suite360 Platform, BrokerEngine Plus Software, and SMART marketing platform, and analytics and business data. The company was incorporated in 1994 and is headquartered in Perth, Australia.

Company Details

  • SectorFinancial Services
  • IndustryMortgage Finance
  • CEOMr. David Bailey
  • Employees370
  • Headquarters905 Hay Street, Perth, WA, Australia, 6000, Australia
  • Websitehttps://www.afgonline.com.au

Leadership

  • Mr. David BaileyChief Executive Officer
  • Mr. Brett Murray McKeonCo-Founder & Non-Executive Director · b. 1965
  • Mr. Luca PietropiccoloChief Financial Officer
  • Ms. Lisa BevanChief Operating Officer · b. 1973
  • Ms. Michelle PalethorpeCompany Secretary & General Counsel
  • Ms. Shirley ElliotHead of Compliance & Legal Counsel
  • Alison ClarkeHead of Corporate Communications
  • Mr. Them LamChief Distribution & Marketing Officer
  • Ms. Ruth O'NeillChief People Officer
  • Mr. Anthony BirdChief Risk Officer

Financials

Income Statement

Currency: AUD2005-06-302006-06-302007-06-302008-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue90.86M144.11M705.19M553.11M359.19M439.87M512.08M528.89M586.09M603.39M642.84M689.50M761.47M949.34M1.02B1.08B1.24B1.43B
Growth (%)-+58.61%+389.34%-21.57%-35.06%+22.46%+16.42%+3.28%+10.81%+2.95%+6.54%+7.26%+10.44%+24.67%+7.94%+5.18%+14.63%+15.60%
Cost of Revenue-899.00K63.26M566.69M--423.06M441.89M475.50M494.94M515.12M533.59M600.17M745.15M686.15M733.87M287.50M977.90M
Gross Profit90.86M143.21M641.93M-13.59M359.19M439.87M512.08M87.00M110.59M108.46M127.72M155.90M161.29M204.19M338.54M363.15M116.40M450.30M
Gross Margin100.00%99.38%91.03%-2.46%100.00%100.00%100.00%16.45%18.87%17.97%19.87%22.61%21.18%21.51%33.04%33.69%9.42%31.53%
Operating Expense5.97M10.46M491.20M543.67M338.55M417.32M468.63M56.78M55.91M63.38M84.82M49.52M49.49M67.12M83.38M319.16M67.70M78.20M
Operating Income84.89M132.76M150.73M-557.25M20.64M22.55M43.45M30.22M54.68M45.08M42.91M106.38M111.80M137.07M255.16M43.99M48.70M372.10M
Operating Margin93.43%92.12%21.37%-100.75%5.75%5.13%8.49%5.71%9.33%7.47%6.67%15.43%14.68%14.44%24.90%4.08%3.94%26.05%
EBITDA----88.00M105.60M22.86M2.73M2.22M46.09M3.55M106.26M113.86M141.19M262.17M291.82M59.20M398.10M
EBITDA Margin----24.50%24.01%4.46%0.52%0.38%7.64%0.55%15.41%14.95%14.87%25.58%27.08%4.79%27.87%
Net Income61.82M96.94M211.70M-1.73B15.26M16.52M20.38M22.67M39.05M33.34M33.03M38.08M51.30M38.78M37.31M28.98M35.00M48.50M
Net Income Margin68.04%67.27%30.02%-313.06%4.25%3.76%3.98%4.29%6.66%5.52%5.14%5.52%6.74%4.08%3.64%2.69%2.83%3.40%
R&D-------0.060.090.08243.00K220.00K353.00K145.00K1.54M---
R&D as % of Total Revenue-------0.00%0.00%0.00%0.04%0.03%0.05%0.02%0.15%---
Interest Expense0000--83.00K33.07M31.72M36.88M53.51M53.48M46.71M58.81M213.75M250.32M287.00M320.20M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%--0.02%6.25%5.41%6.11%8.32%7.76%6.13%6.19%20.86%23.23%23.23%22.42%

Balance Sheet

Currency: AUD2005-06-302006-06-302007-06-302008-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets810.06M1.31B8.58B7.48B1.34B1.65B1.71B1.83B2.02B2.29B3.09B4.09B4.74B6.68B6.32B5.98B7.07B8.80B
Total Liabilities358.53M704.74M6.38B6.93B1.26B1.56B1.64B1.74B1.91B2.20B2.99B3.91B4.54B6.47B6.12B5.77B6.85B8.56B
Total Equity451.54M604.13M2.18B513.07M79.09M85.47M72.23M88.54M107.27M93.32M104.82M178.21M202.98M184.32M179.06M194.42M222.10M242.30M
Cash4.22M10.26M444.85M350.70M65.14M76.02M90.78M130.66M124.80M88.71M96.82M161.53M226.05M268.58M222.24M221.62M223.80M245.40M
Total Debt----216.69M626.87M1.04B1.07B1.49B1.38B2.07B2.92B3.46B4.98B4.60B4.57B5.62B7.25B
Net Debt----151.54M550.85M950.32M941.55M1.04B1.29B1.98B2.76B3.24B4.71B4.38B4.35B5.39B7.01B

Cash Flow

Currency: AUD2005-06-302006-06-302007-06-302008-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow51.30M57.78M237.19M-29.37M5.70M17.43M8.40M36.21M26.52M32.49M28.09M41.26M59.35M52.68M58.26M38.78M35.90M59.50M
Investing Cash Flow-371.04M-374.94M-243.92M-168.83M-2.70M-3.12M-1.48M-20.19M-104.27M-237.91M-689.19M-848.87M-506.70M-1.46B303.47M13.19M-1.05B-1.63B
Financing Cash Flow311.55M323.19M445.38M154.01M-8.73M-3.43M7.84M23.87M71.89M169.34M669.21M872.32M511.86M1.45B-408.07M-52.59M1.02B1.60B
Capital Expenditure1.15B1.15B1.15B1.50B3.60M379.00K772.00K136.00K280.00K178.00K291.00K2.98M6.98M12.67M7.03M17.84M5.80M1.00M
Free Cash Flow----2.10M17.05M7.63M36.07M26.24M32.31M27.80M38.28M52.38M40.01M51.23M20.94M30.10M58.50M
Dividends Paid36.85M43.51M89.97M72.40M12.00M11.50M38.00M6.44M20.62M47.69M22.34M24.36M28.45M38.76M43.78M21.93M21.50M27.10M
FCF to OCF----36.82%97.83%90.81%99.62%98.94%99.45%98.96%92.79%88.25%75.95%87.93%54.00%83.84%98.32%
Dividend Paid to FCF----572.25%67.45%498.30%17.87%78.60%147.61%80.36%63.63%54.31%96.87%85.46%104.73%71.43%46.32%

Earnings

Report DateFeb 26, 2016Aug 26, 2016Feb 24, 2017Aug 25, 2017Feb 23, 2018Aug 24, 2018Feb 22, 2019Aug 26, 2019Feb 20, 2020Aug 21, 2020Feb 25, 2021Aug 26, 2021Feb 24, 2022Aug 26, 2022Feb 24, 2023Feb 27, 2025Aug 27, 2025
EPS Estimate0.000.000.000.100.060.070.000.080.070.070.080.100.090.100.110.08-
EPS Actual0.050.050.060.080.080.060.070.070.080.080.090.100.110.030.080.060.07
Surprise--9900.00%-17.78%36.99%-11.89%9900.00%-10.14%17.47%8.11%15.53%0.00%22.22%-71.43%-27.27%-27.71%-
Timing------------After-hoursPre-marketAfter-hours-After-hours

Key Statistics & Ratios

Market Cap343.22M
Enterprise Value7.53B
Trailing P/E7.06
Forward P/E17.09
Price / Sales0.24
Price / Book1.47
EPS0.18
Book Value0.898
Revenue (TTM)1.40B
Gross Profit (TTM)132.20M
Profit Margin3.46%
Operating Margin3.71%
Return on Equity20.89%
Return on Assets0.61%
Shares Outstanding270.25M
Shares Float200.58M
Beta1.13
Dividend Yield7.56%
Dividend Rate0.10
Payout Ratio56.98%

Ownership Breakdown

Institutions
38.94%
Insiders
37.97%
Retail / Other
23.09%

Top Fund Holders

  • DFA Asia Pacific Small Company Series
    1.60M0.60%
  • WisdomTree Tr-WisdomTree International Small Cap Dividend Fd
    720.38K0.27%
  • DFA International Core Equity Portfolio
    403.68K0.15%
  • SPDR (R) Idx Shares-SPDR (R) S&P (R) International Small Cap ETF
    130.56K0.05%
  • Avantis International Small Cap Value ETF
    83.16K0.03%
  • DFA International Sustainability Core 1 Portfolio
    56.06K0.02%
  • John Hancock Fds II-International Small Company Fund
    55.56K0.02%
  • DFA Investment Dimensions-World Ex U.S. Core Equity Port
    51.89K0.02%
  • DFA T.A. World Ex U.S. Core Equity Portfolio
    48.30K0.02%
  • DFA Investment Dimensions-DFA International Social Core Equity Port
    38.22K0.01%

Dividends

20262×
0.05Aug 31, 20260.05Feb 25, 2026
20252×
0.05Sep 8, 20250.04Mar 6, 2025
20242×
0.04Sep 9, 20240.04Mar 7, 2024
20232×
0.04Sep 4, 20230.07Mar 6, 2023
20222×
0.10Sep 5, 20220.07Mar 7, 2022
20212×
0.07Sep 6, 20210.06Mar 1, 2021
20202×
0.05Sep 9, 20200.05Mar 2, 2020
20192×
0.06Sep 6, 20190.05Mar 4, 2019
20182×
0.06Aug 31, 20180.16Mar 5, 2018
20172×
0.05Sep 1, 20170.04Mar 6, 2017
20162×
0.05Sep 2, 20160.03Mar 11, 2016