Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AF Legal GroupASX:AFL 43 3-Year EBITDA Growth Rate is 10.10% as of Dec. 2025, which is 72% below its 10-year median of 36.70. GuruFocus rates ASX:AFL with a GF Score™ of 43/100 and a GF Value™ of A$0.21 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 71 Personal Services companies, AF Legal Group ranks worse than 59.15% on this metric.
During the past 12 months, AF Legal Group's average EBITDA Per Share Growth Rate was 38.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 10.10% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of AF Legal Group was 80.90% per year. The lowest was -115.60% per year. And the median was 36.70% per year.
AF Legal Group (ASX:AFL) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
AF Legal Group 3-Year EBITDA Growth Rate Related Terms
ASX:AFL vs ROL, SCI, HRB: 3-Year EBITDA Growth Rate Comparison
For the Personal Services subindustry, AF Legal Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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.
AF Legal Group 3-Year EBITDA Growth Rate vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, AF Legal Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where AF Legal Group's 3-Year EBITDA Growth Rate falls into.
AF Legal Group 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 10.10% mean?
AF Legal Group (ASX:AFL) has a 3-Year EBITDA Growth Rate of 10.10% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for AF Legal Group and its competitors. This is 72% below median its historical median of 36.70. According to the industry distribution chart, AF Legal Group ranks #42 out of 71 companies in the Personal Services industry, placing it in the top 59.2%.
Is AF Legal Group's 3-Year EBITDA Growth Rate too high?
AF Legal Group's current 3-Year EBITDA Growth Rate of 10.10% is 72% below median its 10-year median of 36.70. The Personal Services industry median 3-Year EBITDA Growth Rate is 12.50. AF Legal Group's value of 10.10% is 19.2% below this industry median. Based on the distribution chart, AF Legal Group ranks #42 out of 71 companies in the Personal Services industry, which is below the industry midpoint. Overall, AF Legal Group has a GF Score™ of 43/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AF Legal Group's 3-Year EBITDA Growth Rate compare to ROL and SCI?
According to the Personal Services industry distribution chart, AF Legal Group ranks #42 out of 71 companies for 3-Year EBITDA Growth Rate. This places AF Legal Group in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 12.50. AF Legal Group's value of 10.10% is 19.2% below this benchmark. While the company's 10-year median is 36.70 vs. the industry median of 12.50, 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 3-Year EBITDA Growth Rate for a Personal Services company?
The median 3-Year EBITDA Growth Rate among Personal Services companies is 12.50, based on 71 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AF Legal Group's current 3-Year EBITDA Growth Rate of 10.10% is 19.2% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for AF Legal Group and its competitors. For the Personal Services industry, the median 3-Year EBITDA Growth Rate is 12.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AF Legal Group's current 3-Year EBITDA Growth Rate is 10.10%, which is 72% below median its own 10-year median of 36.70. 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 Modestly Undervalued. The stock's GF Value™ is A$0.21, compared to a current price of A$0.16 — trading 26.2% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 10.10%, which is 72% below median its 10-year median of 36.70 and 19.2% below the Personal Services industry median of 12.50. AF Legal Group's overall GF Score™ is 43/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For AF Legal Group (ASX:AFL), the current 3-Year EBITDA Growth Rate is 10.10% 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$0.16 is trading 26.2% below its estimated GF Value™ of A$0.21.
GuruFocus considers AF Legal Group to be Modestly Undervalued.
Key valuation signals for ASX:AFL:
3-Year EBITDA Growth Rate: 10.10% (72% below median its 10-year median of 36.70)
GF Value™: A$0.21 vs. price of A$0.16 (26.2% below fair value)
Industry Position: 19.2% below the Personal Services median (#42 of 71)
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.
43GF Score
Get the complete analysis for ASX:AFL
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:AFL has been successfully added to your 
