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Australian Finance GroupASX:AFG -2.13%57 Debt-to-Equity is 27.70 as of Dec. 2025, which is 25% above its 10-year median of 22.13. GuruFocus rates ASX:AFG with a GF Score™ of 57/100 and a GF Value™ of A$2.96 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,423 Banks companies, Australian Finance Group ranks worse than 99.58% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Australian Finance Group's Debt-to-Equity or its related term are showing as below:
ASX:AFG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 10.64 Med: 22.13 Max: 28.51
Current: 27.7
During the past 11 years, the highest Debt-to-Equity Ratio of Australian Finance Group was 28.51. The lowest was 10.64. And the median was 22.13.
ASX:AFG's Debt-to-Equity is ranked worse than 99.58% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs ASX:AFG: 27.70
Australian Finance Group (ASX:AFG) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Australian Finance Group Debt-to-Equity Related Terms
Australian Finance Group Debt-to-Equity Historical Data
* 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.
ASX:AFG vs RKT, FNMA, PFSI: Debt-to-Equity Comparison
For the Mortgage Finance subindustry, Australian Finance Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
Australian Finance Group Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Australian Finance Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Australian Finance Group's Debt-to-Equity 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.
Australian Finance Group (ASX:AFG) has a Debt-to-Equity of 27.70 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Australian Finance Group and its competitors. This is 25% above median its historical median of 22.13. Over the past decade, Australian Finance Group's Debt-to-Equity has ranged from 10.64 to 28.51. According to the industry distribution chart, Australian Finance Group ranks #1417 out of 1423 companies in the Banks industry, placing it in the top 99.6%.
Is Australian Finance Group's Debt-to-Equity too high?
Australian Finance Group's current Debt-to-Equity of 27.70 is 25% above median its 10-year median of 22.13. Over the past 10 years, this metric has ranged from a low of 10.64 to a high of 28.51. The Banks industry median Debt-to-Equity is 0.56. Australian Finance Group's value of 27.70 is 4846.4% above this industry median. Based on the distribution chart, Australian Finance Group ranks #1417 out of 1423 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Australian Finance Group has a GF Score™ of 57/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Australian Finance Group's Debt-to-Equity compare to RKT and FNMA?
According to the Banks industry distribution chart, Australian Finance Group ranks #1417 out of 1423 companies for Debt-to-Equity. This places Australian Finance Group in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Australian Finance Group's value of 27.70 is 4846.4% above this benchmark. Historically, Australian Finance Group's own Debt-to-Equity has ranged from 10.64 to 28.51 over the past decade. While the company's 10-year median is 22.13 vs. the industry median of 0.56, Australian Finance Group has consistently been above 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Australian Finance Group's current Debt-to-Equity of 27.70 is 4846.4% above 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Australian Finance Group and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Australian Finance Group's current Debt-to-Equity is 27.70, which is 25% above median its own 10-year median of 22.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Australian Finance Group stock overvalued right now?
Based on GuruFocus' analysis, Australian Finance Group (ASX:AFG) is currently considered Significantly Undervalued. The stock's GF Value™ is A$2.96, compared to a current price of A$1.61 — trading 45.6% below its estimated fair value. The current Debt-to-Equity is 27.70, which is 25% above median its 10-year median of 22.13 and 4846.4% above the Banks industry median of 0.56. Australian Finance Group's overall GF Score™ is 57/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Australian Finance Group (ASX:AFG), the current Debt-to-Equity is 27.70 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 Australian Finance Group (ASX:AFG) Overvalued in 2026?
Based on GuruFocus' analysis, Australian Finance Group stock appears to be undervalued.
The current stock price of A$1.61 is trading 45.6% below its estimated GF Value™ of A$2.96.
GuruFocus considers Australian Finance Group to be Significantly Undervalued.
Key valuation signals for ASX:AFG:
Debt-to-Equity: 27.70 (25% above median its 10-year median of 22.13)
GF Value™: A$2.96 vs. price of A$1.61 (45.6% below fair value)
Industry Position: 4846.4% above the Banks median (#1417 of 1423)
No single metric tells the full story. See the ASX:AFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Australian Finance Group Ltd is engaged in mortgage origination and management of home loans and commercial loans. It also distributes its own branded home loan products including traditional mortgage management products, white label. The company's segment includes Distribution, Manufacturing and Central. It generates maximum revenue from the Distribution segment.
57GF Score
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