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AFG · ASX

Australian Finance Group Ltd. (ASX:AFG)

AU$1.41

 0.015 (1.075%)
ASX:Live
26/07/2024 04:10:15 PM
HALO Ords GROWTH AUS All-Consensus All-Companies
Consensus Score
/10
Recommend
Target Price
Deviation
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AFG Overview

AFG Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Neutral

Halo Model

MQV

Very Strong

GARP

Very Strong

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Strong

Earnings

Very Strong

Growth

Earnings

Very Strong

Dividends

Very Strong

Quality

Capital Efficiency

Weak

Balance Sheet

Very Strong

About AFG

Telephone

Address

Description

Australian Finance Group Ltd. engages in the provision of mortgage brokerage business. It operates through the Aggregation and AFG Home Loans segments. The Aggregation segment is involved in operating activities in which the group acts as a wholesale mortgage broker that provides its contracted brokers with administrative and infrastructure support as well as access to a panel of lenders. The AFG Home Loans segment focuses on group’s branded mortgage products, funded by third party wholesale funding providers and AFG Securities mortgages that are distributed through the group’s broker network. The company was founded by Bradley Mcgougan, Brett McKeon, Malcolm Watkins and Kevin Matthews on September 27, 1994 and is headquartered in West Perth, Australia.

AFG Price Chart

Key Stats

Market Cap

AU$373.66M

PE

10.30

EV/EBITDA

70.3

Dividends Overview

DIV Yield

7.8%

Franking

100%

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 1.27 - 1.88

Trade Value (12mth)

AU$156,726.00

1 week

-3.13%

1 month

1.82%

YTD

-12.54%

1 year

-20.96%

All time high

3.16

Key Fundamentals

EPS 3 yr Growth

-20.200%

EBITDA Margin

25.60%

Operating Cashflow

$58m

Free Cash Flow Return

2.50%

ROIC

1.60%

Interest Coverage

1.20

Quick Ratio

0.00

Other Data

Shares on Issue (Fully Dilluted)

275m

HALO Sector

Next Company Report Date

22-Aug-24

Ex Dividend Date (est.)

N/A

Next Dividend Pay Date (est.)

N/A

Reporting Currency

AUD

Short Sell (% of issue)

0.63

AFG Announcements

Latest Announcements

Date Announcements

10 July 24

AFG JUNE 2024 QTR INDEX

×

AFG JUNE 2024 QTR INDEX

20 June 24

AFG RMBS Issue

×

AFG RMBS Issue

21 May 24

Initial substantial shareholding from AEF

×

Initial substantial shareholding from AEF

11 April 24

AFG April 2024 Quarter Index

×

AFG April 2024 Quarter Index

29 February 24

AFG Announces 1H FY24 Results

×

AFG Announces 1H FY24 Results

29 February 24

Dividend/Distribution - AFG

×

Dividend/Distribution - AFG

29 February 24

AFG 1H FY24 Market Release

×

AFG 1H FY24 Market Release

29 February 24

AFG 1H FY24 Investor Presentation

×

AFG 1H FY24 Investor Presentation

01 February 24

Notice of HY24 Results Announcement Date and Conference Call

×

Notice of HY24 Results Announcement Date and Conference Call

18 January 24

AFG December 2023 Quarter Index

×

AFG December 2023 Quarter Index

05 December 23

AFG Strategic Investor Briefing Presentation

×

AFG Strategic Investor Briefing Presentation

24 November 23

AFG AGM Address to Shareholders

×

AFG AGM Address to Shareholders

24 November 23

AFG 2023 AGM Results

×

AFG 2023 AGM Results

20 October 23

Notice of Annual General Meeting/Proxy Form

×

Notice of Annual General Meeting/Proxy Form

20 October 23

AFG RMBS Issue

×

AFG RMBS Issue

11 October 23

AFG September 2023 Qtr Index

×

AFG September 2023 Qtr Index

28 September 23

Notification regarding unquoted securities - AFG

×

Notification regarding unquoted securities - AFG

21 September 23

Change of Director's Interest Notice

×

Change of Director's Interest Notice

19 September 23

Change of Director's Interest Notice

×

Change of Director's Interest Notice

30 August 23

Application for quotation of securities - AFG

×

Application for quotation of securities - AFG

30 August 23

Change of Director's Interest Notice

×

Change of Director's Interest Notice

30 August 23

Notification of cessation of securities - AFG

×

Notification of cessation of securities - AFG

25 August 23

AFG Announces FY23 Results and AGM Date

×

AFG Announces FY23 Results and AGM Date

25 August 23

Dividend/Distribution - AFG

×

Dividend/Distribution - AFG

25 August 23

AFG FY23 Results Investor Presentation

×

AFG FY23 Results Investor Presentation

AFG Fundamentals

Per Share Records

Historical data

Forecast data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock 0.19 0.14 0.14 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock 0.19 0.14 0.14 Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.5 -24.6 -4.2 Lock Lock Lock
     PE X Lock Lock Lock Lock 15.8 9.3 10.3 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock 53.4 60.9 70.3 Lock Lock Lock
CFPS $ Lock Lock Lock Lock 0.17 0.20 0.21 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock 0.11 0.05 0.05 Lock Lock Lock
     Growth % Lock Lock Lock Lock 13.5 19.9 5.3 Lock Lock Lock
     Yield % Lock Lock Lock Lock 3.9 3.2 2.9 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.13 0.17 0.11 Lock Lock Lock
     Growth % Lock Lock Lock Lock 33.6 24.8 -35.5 Lock Lock Lock
     Yield % Lock Lock Lock Lock 4.6 7.8 7.8 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 70 115 77 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.76 0.69 0.66 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 0.72 0.34 0.31 Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.4 -52.6 -9.2 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 272 273 274 Lock Lock Lock
Basic m Lock Lock Lock Lock 268 269 270 Lock Lock Lock

Financial Records

Historical data

Forecast data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Income Statement
Sales $m Lock Lock Lock Lock 761 949 1,025 Lock Lock Lock
     Growth % Lock Lock Lock Lock 10.4 24.7 7.9 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 17 26 40 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 161 204 339 Lock Lock Lock
     Growth % Lock Lock Lock Lock 3.5 26.6 65.8 Lock Lock Lock
     Margin % Lock Lock Lock Lock 21.2 21.5 33.0 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 79 78 67 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock 114 141 262 Lock Lock Lock
     Growth % Lock Lock Lock Lock 4.6 24.0 85.7 Lock Lock Lock
     Margin % Lock Lock Lock Lock 15.0 14.9 25.6 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 2 4 7 Lock Lock Lock
EBIT $m Lock Lock Lock Lock 112 137 255 Lock Lock Lock
     Growth % Lock Lock Lock Lock 5.1 22.6 86.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 14.7 14.4 24.9 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock 66 54 48 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock 19 21 15 Lock Lock Lock
Net Income $m Lock Lock Lock Lock 51 39 37 Lock Lock Lock
     Growth % Lock Lock Lock Lock 34.7 -24.4 -3.8 Lock Lock Lock
     Margin % Lock Lock Lock Lock 6.7 4.1 3.6 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock 59 53 58 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 7 13 7 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock -507 -1,458 303 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 512 1,448 -408 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock 59 52 58 Lock Lock Lock
     Growth % Lock Lock Lock Lock 43.9 -11.5 11.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock 0.1 0.1 0.1 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 98 123 91 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 241 269 222 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 4,742 6,678 6,322 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 1,938 2,375 2,012 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock 3,222 4,706 4,376 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 4,539 6,473 6,123 Lock Lock Lock
Equity $m Lock Lock Lock Lock 203 184 179 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 2,141 2,560 2,191 Lock Lock Lock
     Growth % Lock Lock Lock Lock 67.4 19.6 -14.4 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock 1.1 0.6 0.6 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 25.3 21.0 20.8 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock 3.3 3.1 5.1 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock 3.0 1.6 1.6 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock 3.5 2.2 2.5 Lock Lock Lock

Ratios Records

Historical data

Forecast data

AUD 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Leverage
Interest Cover X Lock Lock Lock Lock 2.4 2.4 1.2 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 28.3 33.3 16.7 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock 1,587.4 2,553.4 2,443.7 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 0.8 0.9 0.9 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.2 0.1 0.2 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.2 0.1 0.2 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock 8.6 5.7 4.6 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock 1.4 0.8 0.8 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 29.6 38.0 30.5 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock 1.1 0.6 0.6 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 23.4 36.2 35.3 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock 25.3 21.0 20.8 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 30.4 -15.2 22.5 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock 7.7 -3.2 4.7 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 486.2 423.4 408.6 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 486.2 423.4 408.6 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 486.2 423.4 408.6 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

7.8%

Franking Level

100%

DPSg

-35.50%

Quality Yield

Lock

Falling Divs over next 2

Lock

Expected Dividend Cashflow

Dividend Clarity,
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Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

0.63%

Value ($M)

2

Prior Change

N/A

7 Day Change

-0.40%

1 Month Change

-0.60%

3 Month Change

-1.00%

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AFG Shortsell

Frequently Asked Questions

The current share price of Australian Finance Group Ltd. (AFG:ASX) is AU$1.41.
The 52-week high share price for Australian Finance Group Ltd. (AFG:ASX) is AU$1.88.
The 52-week low share price for Australian Finance Group Ltd. (AFG:ASX)? is AU$1.27.
The current TTM dividend payout for Australian Finance Group Ltd. (AFG:ASX) is 7.80.
The last dividend payment of Australian Finance Group Ltd. (AFG:ASX) is AU$0.04.
Australian Finance Group Ltd. (AFG:ASX) has a franking level of 100.0%.
Australian Finance Group Ltd. (AFG:ASX) is classified in the Other Finance.
The current P/E ratio for Australian Finance Group Ltd. (AFG:ASX) is 10.30.