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AF Legal GroupASX:AFL +3.45%38 Equity-to-Asset is 0.35 as of Dec. 2025, which is 47% below its 10-year median of 0.66. GuruFocus rates ASX:AFL with a GF Score™ of 38/100 and a GF Value™ of A$0.21 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 95 Personal Services companies, AF Legal Group ranks worse than 57.89% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. AF Legal Group's Total Stockholders Equity for the quarter that ended in Dec. 2025 was A$9.88 Mil. AF Legal Group's Total Assets for the quarter that ended in Dec. 2025 was A$28.31 Mil.
Therefore, AF Legal Group's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.35.
The historical rank and industry rank for AF Legal Group's Equity-to-Asset or its related term are showing as below:
ASX:AFL'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.33 Med: 0.66 Max: 0.98
Current: 0.35
During the past 13 years, the highest Equity to Asset Ratio of AF Legal Group was 0.98. The lowest was 0.33. And the median was 0.66.
ASX:AFL's Equity-to-Asset is ranked worse than 57.89% of 95
companies
in the Personal Services industry
Industry Median: 0.39
vs ASX:AFL: 0.35
AF Legal Group (ASX:AFL) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
AF Legal Group Equity-to-Asset Related Terms
AF Legal Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for AF Legal Group's Equity-to-Asset 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.
ASX:AFL vs ROL, SCI, HRB: Equity-to-Asset Comparison
For the Personal Services subindustry, AF Legal Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, AF Legal Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where AF Legal Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
AF Legal Group's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Equity-to-Asset of 0.35 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AF Legal Group and its competitors. This is 47% below median its historical median of 0.66. Over the past decade, AF Legal Group's Equity-to-Asset has ranged from 0.33 to 0.98. According to the industry distribution chart, AF Legal Group ranks #55 out of 95 companies in the Personal Services industry, placing it in the top 57.9%.
Is AF Legal Group's Equity-to-Asset too high?
AF Legal Group's current Equity-to-Asset of 0.35 is 47% below median its 10-year median of 0.66. Over the past 10 years, this metric has ranged from a low of 0.33 to a high of 0.98. The Personal Services industry median Equity-to-Asset is 0.39. AF Legal Group's value of 0.35 is 10.3% below this industry median. Based on the distribution chart, AF Legal Group ranks #55 out of 95 companies in the Personal Services industry, which is below the industry midpoint. Overall, AF Legal Group has a GF Score™ of 38/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AF Legal Group's Equity-to-Asset compare to ROL and SCI?
According to the Personal Services industry distribution chart, AF Legal Group ranks #55 out of 95 companies for Equity-to-Asset. This places AF Legal Group in the lower half of its industry. The industry median Equity-to-Asset is 0.39. AF Legal Group's value of 0.35 is 10.3% below this benchmark. Historically, AF Legal Group's own Equity-to-Asset has ranged from 0.33 to 0.98 over the past decade. While the company's 10-year median is 0.66 vs. the industry median of 0.39, 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 Equity-to-Asset for a Personal Services company?
The median Equity-to-Asset among Personal Services companies is 0.39, based on 95 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AF Legal Group's current Equity-to-Asset of 0.35 is 10.3% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on AF Legal Group and its competitors. For the Personal Services industry, the median Equity-to-Asset is 0.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AF Legal Group's current Equity-to-Asset is 0.35, which is 47% below median its own 10-year median of 0.66. 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$0.15 — trading 28.6% below its estimated fair value. The current Equity-to-Asset is 0.35, which is 47% below median its 10-year median of 0.66 and 10.3% below the Personal Services industry median of 0.39. AF Legal Group's overall GF Score™ is 38/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For AF Legal Group (ASX:AFL), the current Equity-to-Asset is 0.35 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$0.15 is trading 28.6% below its estimated GF Value™ of A$0.21.
GuruFocus considers AF Legal Group to be Modestly Undervalued.
Key valuation signals for ASX:AFL:
Equity-to-Asset: 0.35 (47% below median its 10-year median of 0.66)
GF Value™: A$0.21 vs. price of A$0.15 (28.6% below fair value)
Industry Position: 10.3% below the Personal Services median (#55 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.
38GF Score
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