Australian Finance GroupASX:AFG -2.65%64 FCF Margin % is 3.16% as of Dec. 2025, which is 89% below its 10-year median of 28.84. 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 1,503 Banks companies, Australian Finance Group ranks worse than 59.28% on this metric.
* 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: FCF Margin % Comparison
For the Mortgage Finance subindustry, Australian Finance Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Australian Finance Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Australian Finance Group's FCF Margin % 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 FCF Margin % of 3.16% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Australian Finance Group and its competitors. This is 89% below median its historical median of 28.84. Over the past decade, Australian Finance Group's FCF Margin % has ranged from 4.70 to 51.86. According to the industry distribution chart, Australian Finance Group ranks #891 out of 1503 companies in the Banks industry, placing it in the top 59.3%.
Is Australian Finance Group's FCF Margin % too high?
Australian Finance Group's current FCF Margin % of 3.16% is 89% below median its 10-year median of 28.84. Over the past 10 years, this metric has ranged from a low of 4.70 to a high of 51.86. The Banks industry median FCF Margin % is 26.57. Australian Finance Group's value of 3.16% is 88.1% below this industry median. Based on the distribution chart, Australian Finance Group ranks #891 out of 1503 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Australian Finance Group ranks #891 out of 1503 companies for FCF Margin %. This places Australian Finance Group in the lower half of its industry. The industry median FCF Margin % is 26.57. Australian Finance Group's value of 3.16% is 88.1% below this benchmark. Historically, Australian Finance Group's own FCF Margin % has ranged from 4.70 to 51.86 over the past decade. While the company's 10-year median is 28.84 vs. the industry median of 26.57, Australian Finance 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.57, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Australian Finance Group's current FCF Margin % of 3.16% is 88.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Australian Finance Group and its competitors. For the Banks industry, the median FCF Margin % is 26.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Australian Finance Group's current FCF Margin % is 3.16%, which is 89% below median its own 10-year median of 28.84. 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 FCF Margin % is 3.16%, which is 89% below median its 10-year median of 28.84 and 88.1% below the Banks industry median of 26.57. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Australian Finance Group (ASX:AFG), the current FCF Margin % is 3.16% 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$1.65 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:
FCF Margin %: 3.16% (89% below median its 10-year median of 28.84)
GF Value™: A$2.96 vs. price of A$1.65 (44.3% below fair value)
Industry Position: 88.1% below the Banks median (#891 of 1503)
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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