Australian Finance Group Ltd
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 … Read more
Australian Finance Group Ltd (AFG) - Net Assets
Latest net assets as of December 2025: AU$231.40 Million AUD
Based on the latest financial reports, Australian Finance Group Ltd (AFG) has net assets worth AU$231.40 Million AUD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (AU$7.92 Billion) and total liabilities (AU$7.69 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | AU$231.40 Million |
| % of Total Assets | 2.92% |
| Annual Growth Rate | -3.49% |
| 5-Year Change | 9.42% |
| 10-Year Change | 150.9% |
| Growth Volatility | 73.49 |
Australian Finance Group Ltd - Net Assets Trend (2005–2025)
This chart illustrates how Australian Finance Group Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Australian Finance Group Ltd (2005–2025)
The table below shows the annual net assets of Australian Finance Group Ltd from 2005 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-06-30 | AU$222.10 Million | +7.27% |
| 2024-06-30 | AU$207.05 Million | +3.64% |
| 2023-06-30 | AU$199.77 Million | -2.76% |
| 2022-06-30 | AU$205.44 Million | +1.21% |
| 2021-06-30 | AU$202.98 Million | +13.90% |
| 2020-06-30 | AU$178.21 Million | +70.01% |
| 2019-06-30 | AU$104.82 Million | +12.32% |
| 2018-06-30 | AU$93.32 Million | -13.02% |
| 2017-06-30 | AU$107.30 Million | +21.21% |
| 2016-06-30 | AU$88.52 Million | +22.55% |
| 2015-06-30 | AU$72.23 Million | -15.49% |
| 2014-06-30 | AU$85.47 Million | +8.07% |
| 2013-06-30 | AU$79.09 Million | -85.50% |
| 2008-06-30 | AU$545.28 Million | -75.24% |
| 2007-06-30 | AU$2.20 Billion | +264.53% |
| 2006-06-30 | AU$604.13 Million | +33.80% |
| 2005-06-30 | AU$451.54 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Australian Finance Group Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 151.6% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (June 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | AU$111.10 Million | 50.02% |
| Common Stock | AU$102.10 Million | 45.97% |
| Other Comprehensive Income | AU$8.90 Million | 4.01% |
| Total Equity | AU$222.10 Million | 100.00% |
Australian Finance Group Ltd Competitors by Market Cap
The table below lists competitors of Australian Finance Group Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Mayville Engineering Co Inc
NYSE:MEC
|
$223.40 Million |
|
Huchems
KO:069260
|
$223.49 Million |
|
Precision Wires India Limited
NSE:PRECWIRE
|
$223.55 Million |
|
Hangzhou Todaytec Digital Co Ltd Class A
SHE:300743
|
$223.56 Million |
|
Bank Pan Indonesia Tbk
JK:PNBN
|
$223.30 Million |
|
Grenevia S.A.
WAR:GEA
|
$223.30 Million |
|
Keystone Electrical (Zhejiang) Co. Ltd. A
SHE:301448
|
$223.26 Million |
|
Kyverna Therapeutics, Inc. Common Stock
NASDAQ:KYTX
|
$223.25 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Australian Finance Group Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 194,423,000 to 222,100,000, a change of 27,677,000 (14.2%).
- Net income of 35,000,000 contributed positively to equity growth.
- Dividend payments of 21,500,000 reduced retained earnings.
- Other comprehensive income increased equity by 13,512,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | AU$35.00 Million | +15.76% |
| Dividends Paid | AU$21.50 Million | -9.68% |
| Other Comprehensive Income | AU$13.51 Million | +6.08% |
| Other Changes | AU$665.00K | +0.3% |
| Total Change | AU$- | 14.24% |
Book Value vs Market Value Analysis
This analysis compares Australian Finance Group Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.22x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.21x to 2.22x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-06-30 | AU$0.42 | AU$1.79 | x |
| 2014-06-30 | AU$0.46 | AU$1.79 | x |
| 2015-06-30 | AU$0.37 | AU$1.79 | x |
| 2016-06-30 | AU$0.41 | AU$1.79 | x |
| 2017-06-30 | AU$0.50 | AU$1.79 | x |
| 2018-06-30 | AU$0.34 | AU$1.79 | x |
| 2019-06-30 | AU$0.39 | AU$1.79 | x |
| 2020-06-30 | AU$0.66 | AU$1.79 | x |
| 2021-06-30 | AU$0.75 | AU$1.79 | x |
| 2022-06-30 | AU$0.68 | AU$1.79 | x |
| 2023-06-30 | AU$0.65 | AU$1.79 | x |
| 2024-06-30 | AU$0.71 | AU$1.79 | x |
| 2025-06-30 | AU$0.81 | AU$1.79 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Australian Finance Group Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.76%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 8.67%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 31.82x
- Recent ROE (15.76%) is above the historical average (1.01%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 13.69% | 68.04% | 0.11x | 1.79x | AU$16.67 Million |
| 2006 | 16.05% | 67.27% | 0.11x | 2.17x | AU$36.53 Million |
| 2007 | 9.71% | 30.02% | 0.08x | 3.94x | AU$-6.23 Million |
| 2008 | -337.49% | -313.06% | 0.07x | 14.58x | AU$-1.78 Billion |
| 2013 | 19.29% | 4.25% | 0.27x | 16.96x | AU$7.35 Million |
| 2014 | 19.33% | 3.76% | 0.27x | 19.29x | AU$7.97 Million |
| 2015 | 28.21% | 3.98% | 0.30x | 23.74x | AU$13.16 Million |
| 2016 | 25.60% | 4.29% | 0.29x | 20.67x | AU$13.81 Million |
| 2017 | 36.41% | 6.66% | 0.29x | 18.81x | AU$28.33 Million |
| 2018 | 35.72% | 5.52% | 0.26x | 24.57x | AU$24.00 Million |
| 2019 | 31.51% | 5.14% | 0.21x | 29.48x | AU$22.55 Million |
| 2020 | 21.37% | 5.52% | 0.17x | 22.95x | AU$20.26 Million |
| 2021 | 25.28% | 6.74% | 0.16x | 23.36x | AU$31.01 Million |
| 2022 | 21.04% | 4.08% | 0.14x | 36.23x | AU$20.34 Million |
| 2023 | 20.84% | 3.64% | 0.16x | 35.31x | AU$19.41 Million |
| 2024 | 14.90% | 2.64% | 0.18x | 30.74x | AU$9.53 Million |
| 2025 | 15.76% | 8.67% | 0.06x | 31.82x | AU$12.79 Million |
Industry Comparison
This section compares Australian Finance Group Ltd's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $17,125,832
- Average return on equity (ROE) among peers: 32.61%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Australian Finance Group Ltd (AFG) | AU$231.40 Million | 13.69% | 33.24x | $223.36 Million |
| N1 Holdings Ltd (N1H) | $591.66K | 57.62% | 151.48x | $947.93K |
| Resimac Group Ltd (RMC) | $33.66 Million | 7.60% | 0.16x | $74.26 Million |