Australian Finance Group (ASX:AFG) Dividend Payout Ratio: 0.65 (As of Dec. 2025) — Near Median


ASX:AFG Australian Finance Group Ltd ASX:AFG
64 GF Score
Price A$1.65
GF Value A$2.96
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Australian Finance Group Dividend Payout Ratio?

Australian Finance Group ASX:AFG -2.65% 64 Dividend Payout Ratio is 0.65 as of Dec. 2025, which is at its 10-year median of 0.65. 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 1,172 Banks companies, Australian Finance Group ranks worse than 85.58% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Australian Finance Group's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.65.

The historical rank and industry rank for Australian Finance Group's Dividend Payout Ratio or its related term are showing as below:

ASX:AFG' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.28   Med: 0.65   Max: 1.19
Current: 0.6

During the past 11 years, the highest Dividend Payout Ratio of Australian Finance Group was 1.19. The lowest was 0.28. And the median was 0.65.

ASX:AFG's Dividend Payout Ratio is ranked worse than
85.58% of 1172 companies
in the Banks industry
Industry Median: 0.32 vs ASX:AFG: 0.60

As of today (2026-07-09), the Dividend Yield % of Australian Finance Group is 6.02%.

During the past 11 years, the highest Trailing Annual Dividend Yield of Australian Finance Group was 12.41%. The lowest was 2.03%. And the median was 5.33%.

Australian Finance Group's Dividends per Share for the months ended in Dec. 2025 was A$0.05.

During the past 12 months, Australian Finance Group's average Dividends Per Share Growth Rate was 13.80% per year. During the past 3 years, the average Dividends Per Share Growth Rate was -18.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was -6.70% per year.

During the past 11 years, the highest 3-Year average Dividends Per Share Growth Rate of Australian Finance Group was 51.60% per year. The lowest was -18.50% per year. And the median was 5.80% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

Australian Finance Group (ASX:AFG) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

Australian Finance Group Dividend Payout Ratio Related Terms

Australian Finance Group Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for Australian Finance Group's Dividend Payout Ratio 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.

Australian Finance Group Dividend Payout Ratio Chart

Australian Finance Group Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.56 0.72 1.19 0.76 0.61

Australian Finance Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Dividend Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.77 0.76 0.71 0.54 0.65

ASX:AFG vs RKT, FNMA, PFSI: Dividend Payout Ratio Comparison

For the Mortgage Finance subindustry, Australian Finance Group's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Australian Finance Group's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where Australian Finance Group's Dividend Payout Ratio falls into.


ASX:AFG
64GF Score
Australian Finance Group Ltd ASX:AFG
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Australian Finance Group Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

Australian Finance Group's Dividend Payout Ratio for the fiscal year that ended in Jun. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Jun. 2025 )/ EPS without NRI (A: Jun. 2025 )
=0.078/ 0.127
=0.61

Australian Finance Group's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.053/ 0.081
=0.65

* 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.

Frequently Asked Questions Learn more about Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.65 mean?
Australian Finance Group (ASX:AFG) has a Dividend Payout Ratio of 0.65 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Australian Finance Group and its competitors. This is near median its historical median of 0.65. Over the past decade, Australian Finance Group's Dividend Payout Ratio has ranged from 0.28 to 1.19. According to the industry distribution chart, Australian Finance Group ranks #1003 out of 1172 companies in the Banks industry, placing it in the top 85.6%.
Is Australian Finance Group's Dividend Payout Ratio too high?
Australian Finance Group's current Dividend Payout Ratio of 0.65 is near median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 1.19. The Banks industry median Dividend Payout Ratio is 0.32. Australian Finance Group's value of 0.65 is 103.1% above this industry median. Based on the distribution chart, Australian Finance Group ranks #1003 out of 1172 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 Dividend Payout Ratio compare to RKT and FNMA?
According to the Banks industry distribution chart, Australian Finance Group ranks #1003 out of 1172 companies for Dividend Payout Ratio. This places Australian Finance Group in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. Australian Finance Group's value of 0.65 is 103.1% above this benchmark. Historically, Australian Finance Group's own Dividend Payout Ratio has ranged from 0.28 to 1.19 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,172 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Australian Finance Group's current Dividend Payout Ratio of 0.65 is 103.1% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Australian Finance Group and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Australian Finance Group's current Dividend Payout Ratio is 0.65, which is near median its own 10-year median of 0.65. 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 Dividend Payout Ratio is 0.65, which is near median its 10-year median of 0.65 and 103.1% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Australian Finance Group (ASX:AFG), the current Dividend Payout Ratio is 0.65 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:

  • Dividend Payout Ratio: 0.65 (near median its 10-year median of 0.65)
  • GF Value™: A$2.96 vs. price of A$1.65 (44.3% below fair value)
  • GF Score™: 64/100 with 3 warning signs
  • Industry Position: 103.1% above the Banks median (#1003 of 1172)

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 Business Description

Address 100 Havelock Street, Level 4, West Perth, Perth, WA, AUS, 6005
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

Get the complete analysis for ASX:AFG

Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.65
Price
A$2.96
GF Value