Australian Finance GroupASX:AFG -2.65%64 EV-to-FCF is 174.00 as of Jul. 09, 2026, which is 94% above its 10-year median of 89.69. GuruFocus rates ASX:AFG with a GF Score™ of 64/100 and a GF Value™ of A$2.96 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,191 Banks companies, Australian Finance Group ranks worse than 97.73% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Australian Finance Group's Enterprise Value is A$6,629.3 Mil.
Australian Finance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$38.1 Mil. Therefore, Australian Finance Group's EV-to-FCF for today is 174.00.
The historical rank and industry rank for Australian Finance Group's EV-to-FCF or its related term are showing as below:
ASX:AFG'
s EV-to-FCF Range Over the Past 10 Years
Min: 34.97 Med: 89.69 Max: 237.6
Current: 174
During the past 11 years, the highest EV-to-FCF of Australian Finance Group was 237.60. The lowest was 34.97. And the median was 89.69.
ASX:AFG's EV-to-FCF is ranked worse than 97.73% of 1191
companies
in the Banks industry
Industry Median: 6.57
vs ASX:AFG: 174.00
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Australian Finance Group (ASX:AFG) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Australian Finance Group's PE Ratio (TTM) for today is calculated as:
Australian Finance Group's share price for today is A$1.65.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Australian Finance Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.152.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Australian Finance Group EV-to-FCF Related Terms
Australian Finance Group EV-to-FCF 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.
For the Mortgage Finance subindustry, Australian Finance Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Australian Finance Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Australian Finance Group's EV-to-FCF falls into.
Australian Finance Group's current Enterprise Value is A$6,629.3 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Australian Finance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$38.1 Mil.
* 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 EV-to-FCF of 174.00 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Australian Finance Group and its competitors. This is 94% above median its historical median of 89.69. Over the past decade, Australian Finance Group's EV-to-FCF has ranged from 34.97 to 237.60. According to the industry distribution chart, Australian Finance Group ranks #1164 out of 1191 companies in the Banks industry, placing it in the top 97.7%.
Is Australian Finance Group's EV-to-FCF too high?
Australian Finance Group's current EV-to-FCF of 174.00 is 94% above median its 10-year median of 89.69. Over the past 10 years, this metric has ranged from a low of 34.97 to a high of 237.60. The Banks industry median EV-to-FCF is 6.57. Australian Finance Group's value of 174.00 is 2548.4% above this industry median. Based on the distribution chart, Australian Finance Group ranks #1164 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Australian Finance Group has a GF Score™ of 64/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Australian Finance Group's EV-to-FCF compare to RKT and FNMA?
According to the Banks industry distribution chart, Australian Finance Group ranks #1164 out of 1191 companies for EV-to-FCF. This places Australian Finance Group in the lower half of its industry. The industry median EV-to-FCF is 6.57. Australian Finance Group's value of 174.00 is 2548.4% above this benchmark. Historically, Australian Finance Group's own EV-to-FCF has ranged from 34.97 to 237.60 over the past decade. While the company's 10-year median is 89.69 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Australian Finance Group's current EV-to-FCF of 174.00 is 2548.4% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Australian Finance Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Australian Finance Group's current EV-to-FCF is 174.00, which is 94% above median its own 10-year median of 89.69. 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$1.65 — trading 44.3% below its estimated fair value. The current EV-to-FCF is 174.00, which is 94% above median its 10-year median of 89.69 and 2548.4% above the Banks industry median of 6.57. Australian Finance Group's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Australian Finance Group (ASX:AFG), the current EV-to-FCF is 174.00 as of Jul. 09, 2026. 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$1.65 is trading 44.3% below its estimated GF Value™ of A$2.96.
GuruFocus considers Australian Finance Group to be Significantly Undervalued.
Key valuation signals for ASX:AFG:
EV-to-FCF: 174.00 (94% above median its 10-year median of 89.69)
GF Value™: A$2.96 vs. price of A$1.65 (44.3% below fair value)
Industry Position: 2548.4% above the Banks median (#1164 of 1191)
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.
64GF Score
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