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Australian Finance Group Ltd

Financial Services AU AFG

1.53AUD
-(-%)

Last update at 2024-12-19T05:11:00Z

Day Range

1.511.54
LowHigh

52 Week Range

1.271.73
LowHigh

Fundamentals

  • Previous Close 1.53
  • Market Cap412.92M
  • Volume259957
  • P/E Ratio13.86
  • Dividend Yield5.21%
  • EBITDA-
  • Revenue TTM1071.54M
  • Revenue Per Share TTM3.96
  • Gross Profit TTM 109.94M
  • Diluted EPS TTM0.11

Analyst Recommendations

Financials

Income Statement

Balancesheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Income before tax 53.64M 60.38M 70.77M 53.55M 46.46M
Minority interest -1.79700M -0.93500M - - -
Net income 37.31M 38.78M 51.30M 38.08M 38.08M
Selling general administrative 60.34M 49.95M 39.08M 36.30M 35.95M
Selling and marketing expenses 6.82M 4.68M 1.85M 3.59M 3.98M
Gross profit 106.88M 122.90M 99.54M 87.12M 75.11M
Reconciled depreciation 7.00M 4.12M 2.06M 2.49M 1.03M
Ebit 44.84M 55.33M 68.70M 51.06M 99.97M
Ebitda 51.84M 59.44M 70.77M 53.55M 101.00M
Depreciation and amortization 7.00M 4.12M 2.06M 2.49M 1.03M
Non operating income net other - - - - -
Operating income 44.84M 55.33M 68.70M 51.06M 99.97M
Other operating expenses 952.24M 867.77M 676.84M 619.63M 55.06M
Interest expense 213.75M 58.81M 46.71M 53.48M 53.51M
Tax provision 14.53M 20.67M 19.46M 15.47M 13.43M
Interest income 7.28M 191.32M 158.49M 3.09M 3.55M
Net interest income 134.76M 132.51M 111.78M 96.09M 75.10M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 14.53M 20.67M 19.46M 15.47M 13.43M
Total revenue 106.88M 122.90M 99.54M 87.12M 75.11M
Total operating expenses 952.24M 867.77M 676.84M 619.63M 55.06M
Cost of revenue 684.64M 746.57M 601.55M 542.53M 516.24M
Total other income expense net 53.64M 60.38M 70.77M 53.55M -53.51300M
Discontinued operations - - - - -
Net income from continuing ops 39.11M 39.71M 51.30M 38.08M 33.03M
Net income applicable to common shares 37.31M 38.78M 51.30M 38.08M 33.03M
Preferred stock and other adjustments - - - - -
Breakdown 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Type yearly yearly yearly yearly yearly
Date 2024-06-30 2023-06-30 2022-06-30 2021-06-30 2020-06-30
Total assets 6291.19M 6004.87M 6361.67M 4741.59M 4089.53M
Intangible assets - 34.17M 31.95M 9.51M 3.32M
Earning assets - - - - -
Other current assets -1363.82800M 168.44M 5951.21M 4438.72M 3895.37M
Total liab 6084.14M 5805.10M 6156.23M 4538.60M 3911.31M
Total stockholder equity 194.42M 179.06M 184.32M 202.98M 178.21M
Deferred long term liab - - - - -
Other current liab -2363.15600M -5743.17400M 15.89M -4499.34900M -3871.91300M
Common stock 102.12M 102.12M 102.12M 102.12M 102.16M
Capital stock - 102.12M 102.12M 102.12M 102.16M
Retained earnings 96.91M 89.87M 96.34M 96.31M 73.47M
Other liab - 845.25M 859.77M 784.99M 713.36M
Good will - 61.08M 60.75M 60.75M -
Other assets 6291.19M 5842.39M 6178.30M 4619.48M 3971.23M
Cash 221.62M 222.24M 268.58M 226.05M 161.53M
Cash and equivalents - 1.25M 1.25M 1.23M 1.25M
Total current liabilities 2363.16M 5743.17M 6093.14M 4499.35M 3871.91M
Current deferred revenue - - - - -
Net debt 4348.84M 4375.71M 4686.31M 3237.03M 2759.59M
Short term debt 2363.16M 4597.95M 4954.90M 3463.07M 2921.12M
Short long term debt - 4597.95M 4954.90M 3463.07M 2921.12M
Short long term debt total 4570.46M 4597.95M 4954.90M 3463.07M 2921.12M
Other stockholder equity - -191.99200M -198.46200M -198.43800M -175.62300M
Property plant equipment - 7.20M 6.00M 5.67M 6.83M
Total current assets - 60.03M 84.68M 106.93M 108.15M
Long term investments - 37.48M 31.42M 41.00M 17.03M
Net tangible assets - 83.81M 91.63M 193.47M 174.90M
Short term investments - -162.21100M -183.90400M 15.00M -53.38100M
Net receivables 1142.21M 15.10M 11.77M 5.64M 5.45M
Long term debt - 2007.24M 2350.97M 1933.79M 1095.55M
Inventory - - -5962.97300M -4444.36000M -3900.81800M
Accounts payable - 1145.22M 1138.24M 1036.28M 950.79M
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 2.59M
Additional paid in capital - - - - -
Common stock total equity - - - - 102.16M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -319.23300M -102.45000M -98.69000M -15.17800M -10.14700M
Deferred long term asset charges - - - - -
Non current assets total 320.67M 102.45M 98.69M 15.18M 10.15M
Capital lease obligations - - - - -
Long term debt total - 2012.15M 2355.00M 1937.86M 1100.81M
Breakdown 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Type yearly yearly yearly yearly yearly
Date 2023-06-30 2022-06-30 2021-06-30 2020-06-30 2019-06-30
Investments 309.64M 0.52M -18.91500M -0.37900M -0.37900M
Change to liabilities 2.31M 8.84M 14.48M 5.75M 3.03M
Total cashflows from investing activities 309.64M -1457.50600M -505.94600M -847.92700M -689.19100M
Net borrowings -362.08900M 1486.89M 540.35M 838.06M 691.55M
Total cash from financing activities -408.07200M 1448.14M 511.86M 872.32M 669.47M
Change to operating activities -0.62300M -9.49500M 0.40M -3.58400M -1.62100M
Net income 37.31M 38.78M 51.30M 38.08M 33.03M
Change in cash -46.34300M 42.54M 64.52M 64.71M 8.11M
Begin period cash flow 268.58M 226.05M 161.53M 96.82M 88.71M
End period cash flow 222.24M 268.58M 226.05M 161.53M 96.82M
Total cash from operating activities 52.09M 51.90M 58.60M 40.32M 28.09M
Issuance of capital stock - - 0.04M 58.62M -
Depreciation 5.46M 3.97M 1.71M 2.27M 1.03M
Other cashflows from investing activities 316.67M 0.26M 0.75M 0.94M 2.01M
Dividends paid 45.98M 38.76M 28.45M 24.36M 22.34M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - 0.00000M 1132.08M 791.72M -58.61600M
Other cashflows from financing activities 2065.44M 4304.00M 540.31M 896.68M 691.83M
Change to netincome 6.09M 9.66M -9.64500M -2.41900M -7.37000M
Capital expenditures 7.03M 12.67M 6.98M 2.98M 0.82M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -489.53100M -598.11800M -468.58300M -413.56000M -390.66300M
Stock based compensation 1.11M 1.36M 1.17M 0.98M -
Other non cash items 8.21M 7.79M 4.42M -1.00400M -34.05500M
Free cash flow 45.06M 39.23M 51.62M 37.34M -0.82000M

Peer Comparison

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) Enterprise Value to EBITDA (x)
AFG
Australian Finance Group Ltd		 - -% 1.53 13.86 17.09 0.39 2.14 49.64 -
HGH
Heartland Group Holdings Ltd		 - -% 0.86 9.56 - 3.28 0.74 10.23 -
RMC
Resimac Group Ltd		 - -% 0.97 10.74 11.59 2.63 0.92 108.47 37.19
N1H
N1 Holdings Ltd		 - -% 0.13 13.00 - 0.62 6.79 25.10 -

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Profile

Australian Finance Group Limited, together with its subsidiaries, engages in the mortgage broking business in Australia. The company operates through Central, Distribution, and Manufacturing segments. It is involved in the mortgage origination and management of home and commercial loans, and consumer asset finance; and distribution of own branded home loan products. In addition, the company provides Suite360, commercial and business broking, analytics, business data, and smart marketing platforms. The company was formerly known as Australian Finance Group Pty Ltd. Australian Finance Group Limited was incorporated in 1994 and is headquartered in West Perth, Australia.

Australian Finance Group Ltd

100 Havelock Street, West Perth, WA, Australia, 6005

Key Executives

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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