CA
NZ
UK
AU
IND
US
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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Australian Finance Group Ltd operates an Australian mortgage broker aggregator that provides distribution, technology, compliance and wholesale support to a large network of brokers and lenders. Long-term growth may be driven by continued broker market-share gains, recurring trail commission income and expansion of services and technology that support brokers' productivity. Its scale and predominantly fee-based revenue model appears positioned to support relatively steady earnings if housing activity and broker volumes remain resilient.
Key risks include sensitivity to Australian housing market cycles, regulatory or policy changes that could affect broker commissions or lending standards, and competitive pressure from banks and other aggregator models which could reduce volumes or compress margins; investors should monitor execution and compliance risk.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Income before tax | 66.60M | 48.70M | 43.99M | 53.64M | 60.38M |
| Minority interest | - | -0.40M | -1.48M | -1.80M | -0.94M |
| Net income | 48.50M | 35.00M | 28.98M | 37.31M | 38.78M |
| Selling general administrative | - | 62.80M | 58.09M | 60.34M | 49.95M |
| Selling and marketing expenses | - | 5.80M | 4.73M | 6.82M | 4.68M |
| Gross profit | 450.30M | 116.40M | 363.15M | 106.88M | 122.90M |
| Reconciled depreciation | - | 10.50M | 7.36M | 7.00M | 4.12M |
| Ebit | 386.80M | 48.70M | 284.46M | 44.84M | 55.33M |
| Ebitda | 398.10M | 59.20M | 291.82M | 51.84M | 59.44M |
| Depreciation and amortization | 11.30M | 10.50M | 7.36M | 7.00M | 4.12M |
| Operating income | 372.10M | 48.70M | 43.99M | 44.84M | 55.33M |
| Other operating expenses | 1056.10M | 355.20M | 306.77M | 952.24M | 867.77M |
| Interest expense | 320.20M | 287.00M | 250.32M | 213.75M | 58.81M |
| Tax provision | - | 13.30M | 13.54M | 14.53M | 20.67M |
| Interest income | - | 412.30M | 367.00M | 7.28M | 191.32M |
| Net interest income | - | 125.30M | 116.68M | 134.76M | 132.51M |
| Income tax expense | 18.10M | 13.30M | 13.54M | 14.53M | 20.67M |
| Total revenue | 1428.20M | 403.90M | 1097.02M | 106.88M | 122.90M |
| Total operating expenses | 78.20M | 67.70M | 56.42M | 952.24M | 867.77M |
| Cost of revenue | 977.90M | 287.50M | 733.87M | 684.64M | 746.57M |
| Total other income expense net | -305.50M | 6.10M | -240.47M | 53.64M | 60.38M |
| Net income from continuing ops | - | 35.40M | 30.45M | 39.11M | 39.71M |
| Net income applicable to common shares | - | 35.00M | 28.98M | 37.31M | 38.78M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Total assets | 8799.80M | 7067.50M | 6291.19M | 6004.87M | 6361.67M |
| Intangible assets | 101.80M | 44.40M | - | 34.17M | 31.95M |
| Other current assets | - | - | -1363.83M | 168.44M | 5951.21M |
| Total liab | 8557.50M | 6845.40M | 6084.14M | 5805.10M | 6156.23M |
| Total stockholder equity | 242.30M | 222.10M | 194.42M | 179.06M | 184.32M |
| Other current liab | - | - | -2363.16M | -5743.17M | 15.89M |
| Common stock | 101.10M | - | 102.12M | 102.12M | 102.12M |
| Capital stock | - | 102.10M | - | 102.12M | 102.12M |
| Retained earnings | 132.50M | 111.10M | 96.91M | 89.87M | 96.34M |
| Other liab | - | - | - | 845.25M | 859.77M |
| Good will | - | 61.10M | - | 61.08M | 60.75M |
| Other assets | - | - | 6291.19M | 5842.39M | 6178.30M |
| Cash | 245.40M | 223.80M | 221.62M | 222.24M | 268.58M |
| Cash and equivalents | - | - | - | 1.25M | 1.25M |
| Total current liabilities | 3661.00M | - | 2363.16M | 5743.17M | 6093.14M |
| Net debt | 7006.40M | 5393.30M | 4348.84M | 4375.71M | 4686.31M |
| Short term debt | 3661.00M | - | 2363.16M | 4597.95M | 4954.90M |
| Short long term debt | - | 5617.10M | - | 4597.95M | 4954.90M |
| Short long term debt total | 7251.80M | - | 4570.46M | 4597.95M | 4954.90M |
| Other stockholder equity | - | - | - | -191.99M | -198.46M |
| Property plant equipment | - | - | - | 7.20M | 6.00M |
| Total current assets | 1474.20M | - | - | 60.03M | 84.68M |
| Long term investments | - | 48.60M | - | 37.48M | 31.42M |
| Net tangible assets | - | - | - | 83.81M | 91.63M |
| Short term investments | - | - | - | -162.21M | -183.90M |
| Net receivables | 1228.80M | 15.20M | 1142.21M | 15.10M | 11.77M |
| Long term debt | - | - | - | 2007.24M | 2350.97M |
| Inventory | - | - | - | - | -5962.97M |
| Accounts payable | - | 1186.30M | - | 1145.22M | 1138.24M |
| Accumulated other comprehensive income | 8.70M | - | -4.61M | -12.93M | -14.14M |
| Non currrent assets other | 9.80M | - | -319.23M | -102.45M | -98.69M |
| Non current assets total | 7325.60M | - | 320.67M | 102.45M | 98.69M |
| Long term debt total | - | - | - | 2012.15M | 2355.00M |
| Breakdown | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
| Investments | - | -1053.70M | 13.19M | 309.64M | 0.52M |
| Change to liabilities | - | - | - | 2.31M | 8.84M |
| Total cashflows from investing activities | -1634.70M | -1053.70M | 13.19M | 309.64M | -1457.51M |
| Net borrowings | - | 1041.50M | -28.91M | -362.09M | 1486.89M |
| Total cash from financing activities | 1596.80M | 1020.00M | -52.59M | -408.07M | 1448.14M |
| Change to operating activities | - | - | - | -0.62M | -9.49M |
| Net income | 48.50M | 35.00M | 28.98M | 37.31M | 38.78M |
| Change in cash | 21.60M | 2.20M | -0.62M | -46.34M | 42.54M |
| Begin period cash flow | 223.80M | 221.62M | 222.24M | 268.58M | 226.05M |
| End period cash flow | 245.40M | 223.82M | 221.62M | 222.24M | 268.58M |
| Total cash from operating activities | 59.50M | 35.90M | 38.78M | 52.09M | 51.90M |
| Depreciation | 11.30M | - | 7.36M | 5.46M | 3.97M |
| Other cashflows from investing activities | -1621.60M | -1035.00M | 23.87M | 316.67M | 0.26M |
| Dividends paid | 27.10M | -21.50M | -21.93M | 45.98M | 38.76M |
| Change to account receivables | -8.20M | -5.30M | 4.44M | - | - |
| Sale purchase of stock | - | - | - | - | 0.00M |
| Other cashflows from financing activities | -7.80M | -0.30M | -1.75M | 2065.44M | 4304.00M |
| Change to netincome | - | - | - | 6.09M | 9.66M |
| Capital expenditures | 1.00M | 5.80M | 17.84M | 7.03M | 12.67M |
| Change in working capital | -1.50M | -9.80M | 5.34M | -489.53M | -598.12M |
| Stock based compensation | - | - | - | 1.11M | 1.36M |
| Other non cash items | 1.20M | 45.70M | 33.44M | 8.21M | 7.79M |
| Free cash flow | 58.50M | 30.10M | 20.94M | 45.06M | 39.23M |
Sector: Financial Services Industry: Mortgage Finance
|
Stock Name
|
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 0.32% |
1.56 | 8.76 | 17.09 | 0.60 | 1.69 | 57.86 |
| RMC Resimac Group Ltd |
-0.01 0.60% |
0.83 | 6.35 | 11.59 | 1.69 | 0.89 | 93.24 |
| N1H N1 Holdings Ltd |
0.02 13.33% |
0.17 | 15.00 | - | 0.59 | 3.83 | 55.41 |
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.
| 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 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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