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Australian Finance GroupASX:AFG 55 3-Year EPS without NRI Growth Rate is -14.00% as of Dec. 2025. GuruFocus rates ASX:AFG with a GF Score™ of 55/100 and a GF Value™ of A$2.96 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,412 Banks companies, Australian Finance Group ranks worse than 89.38% on this metric.
During the past 12 months, Australian Finance Group's average EPS without NRI Growth Rate was 39.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -14.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -9.80% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 2.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 11 years, the highest 3-Year average EPS without NRI Growth Rate of Australian Finance Group was 24.40% per year. The lowest was -17.50% per year. And the median was 3.45% per year.
Australian Finance Group (ASX:AFG) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Australian Finance Group 3-Year EPS without NRI Growth Rate Related Terms
ASX:AFG vs RKT, FNMA, PFSI: 3-Year EPS without NRI Growth Rate Comparison
For the Mortgage Finance subindustry, Australian Finance Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Australian Finance Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Australian Finance Group's 3-Year EPS without NRI Growth Rate falls into.
Australian Finance Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -14.00% mean?
Australian Finance Group (ASX:AFG) has a 3-Year EPS without NRI Growth Rate of -14.00% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Australian Finance Group and its competitors. According to the industry distribution chart, Australian Finance Group ranks #1262 out of 1412 companies in the Banks industry, placing it in the top 89.4%.
Is Australian Finance Group's 3-Year EPS without NRI Growth Rate too high?
Australian Finance Group's current 3-Year EPS without NRI Growth Rate is -14.00%. Based on the distribution chart, Australian Finance Group ranks #1262 out of 1412 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Australian Finance Group has a GF Score™ of 55/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Australian Finance Group's 3-Year EPS without NRI Growth Rate compare to RKT and FNMA?
According to the Banks industry distribution chart, Australian Finance Group ranks #1262 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This places Australian Finance Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Australian Finance Group and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Australian Finance Group's current 3-Year EPS without NRI Growth Rate is -14.00%. 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$1.60 — trading 45.9% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -14.00%. Australian Finance Group's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Australian Finance Group (ASX:AFG), the current 3-Year EPS without NRI Growth Rate is -14.00% 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$1.60 is trading 45.9% below its estimated GF Value™ of A$2.96.
GuruFocus considers Australian Finance Group to be Significantly Undervalued.
Key valuation signals for ASX:AFG:
3-Year EPS without NRI Growth Rate: -14.00%
GF Value™: A$2.96 vs. price of A$1.60 (45.9% below fair value)
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.
55GF Score
Get the complete analysis for ASX:AFG
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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