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AF Legal GroupASX:AFL +4.00%48 Cash Ratio is 0.33 as of Dec. 2025, which is 42% below its 10-year median of 0.57. GuruFocus rates ASX:AFL with a GF Score™ of 48/100 and a GF Value™ of A$0.21 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 95 Personal Services companies, AF Legal Group ranks worse than 66.32% on this metric.
AF Legal Group has a Cash Ratio of 0.33. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for AF Legal Group's Cash Ratio or its related term are showing as below:
ASX:AFL'
s Cash Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.57 Max: 51.79
Current: 0.33
During the past 13 years, AF Legal Group's highest Cash Ratio was 51.79. The lowest was 0.22. And the median was 0.57.
ASX:AFL's Cash Ratio is ranked worse than 66.32% of 95
companies
in the Personal Services industry
Industry Median: 0.57
vs ASX:AFL: 0.33
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
AF Legal Group Cash Ratio Related Terms
AF Legal Group Cash Ratio Historical Data
* Premium members only.
The historical data trend for AF Legal Group's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Personal Services subindustry, AF Legal Group's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AF Legal Group Cash Ratio vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, AF Legal Group's Cash Ratio distribution charts can be found below:
* The bar in red indicates where AF Legal Group's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AF Legal Group (ASX:AFL) has a Cash Ratio of 0.33 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on AF Legal Group and its competitors. This is 42% below median its historical median of 0.57. Over the past decade, AF Legal Group's Cash Ratio has ranged from 0.22 to 51.79. According to the industry distribution chart, AF Legal Group ranks #63 out of 95 companies in the Personal Services industry, placing it in the top 66.3%.
Is AF Legal Group's Cash Ratio too high?
AF Legal Group's current Cash Ratio of 0.33 is 42% below median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 51.79. The Personal Services industry median Cash Ratio is 0.57. AF Legal Group's value of 0.33 is 42.1% below this industry median. Based on the distribution chart, AF Legal Group ranks #63 out of 95 companies in the Personal Services industry, which is below the industry midpoint. Overall, AF Legal Group has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AF Legal Group's Cash Ratio compare to ROL and SCI?
According to the Personal Services industry distribution chart, AF Legal Group ranks #63 out of 95 companies for Cash Ratio. This places AF Legal Group in the lower half of its industry. The industry median Cash Ratio is 0.57. AF Legal Group's value of 0.33 is 42.1% below this benchmark. Historically, AF Legal Group's own Cash Ratio has ranged from 0.22 to 51.79 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 0.57, AF Legal Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Personal Services company?
The median Cash Ratio among Personal Services companies is 0.57, based on 95 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AF Legal Group's current Cash Ratio of 0.33 is 42.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on AF Legal Group and its competitors. For the Personal Services industry, the median Cash Ratio is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AF Legal Group's current Cash Ratio is 0.33, which is 42% below median its own 10-year median of 0.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AF Legal Group stock overvalued right now?
Based on GuruFocus' analysis, AF Legal Group (ASX:AFL) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.21, compared to a current price of A$0.13 — trading 38.1% below its estimated fair value. The current Cash Ratio is 0.33, which is 42% below median its 10-year median of 0.57 and 42.1% below the Personal Services industry median of 0.57. AF Legal Group's overall GF Score™ is 48/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For AF Legal Group (ASX:AFL), the current Cash Ratio is 0.33 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AF Legal Group (ASX:AFL) Overvalued in 2026?
Based on GuruFocus' analysis, AF Legal Group stock appears to be undervalued.
The current stock price of A$0.13 is trading 38.1% below its estimated GF Value™ of A$0.21.
GuruFocus considers AF Legal Group to be Possible Value Trap.
Key valuation signals for ASX:AFL:
Cash Ratio: 0.33 (42% below median its 10-year median of 0.57)
GF Value™: A$0.21 vs. price of A$0.13 (38.1% below fair value)
Industry Position: 42.1% below the Personal Services median (#63 of 95)
No single metric tells the full story. See the ASX:AFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AF Legal Group Ltd is a law firm that specializes in family and relationship law and also in contested wills and estates law. The firm provides advice to clients in respect of divorce separation, property, and children's matters. Its services include property settlement, spousal maintenance, divorce, and separation, among others.
48GF Score
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