AF Legal GroupASX:AFL +4.17%49 PB Ratio is 1.17 as of Jun. 24, 2026, which is 30% below its 10-year median of 1.66. GuruFocus rates ASX:AFL with a GF Score™ of 49/100 and a GF Value™ of A$0.21 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 90 Personal Services companies, AF Legal Group ranks better than 57.78% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-24), AF Legal Group's share price is A$0.125. AF Legal Group's Book Value per Share for the quarter that ended in Dec. 2025 was A$0.11. Hence, AF Legal Group's PB Ratio of today is 1.17.
The historical rank and industry rank for AF Legal Group's PB Ratio or its related term are showing as below:
ASX:AFL'
s PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 1.66 Max: 5.17
Current: 1.17
During the past 13 years, AF Legal Group's highest PB Ratio was 5.17. The lowest was 0.53. And the median was 1.66.
ASX:AFL's PB Ratio is ranked better than 57.78% of 90
companies
in the Personal Services industry
Industry Median: 1.48
vs ASX:AFL: 1.17
During the past 12 months, AF Legal Group's average Book Value Per Share Growth Rate was 3.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -18.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -10.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of AF Legal Group was 72.60% per year. The lowest was -40.30% per year. And the median was 14.10% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
AF Legal Group PB Ratio Related Terms
AF Legal Group PB Ratio Historical Data
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The historical data trend for AF Legal Group's PB 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.
For the Personal Services subindustry, AF Legal Group's PB Ratio, along with its competitors' market caps and PB 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.
AF Legal Group PB Ratio vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, AF Legal Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where AF Legal Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
AF Legal Group's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
AF Legal Group (ASX:AFL) has a PB Ratio of 1.17 as of Jun. 24, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AF Legal Group and its competitors. This is 30% below median its historical median of 1.66. Over the past decade, AF Legal Group's PB Ratio has ranged from 0.53 to 5.17. According to the industry distribution chart, AF Legal Group ranks #38 out of 90 companies in the Personal Services industry, placing it in the top 42.2%.
Is AF Legal Group's PB Ratio too high?
AF Legal Group's current PB Ratio of 1.17 is 30% below median its 10-year median of 1.66. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 5.17. The Personal Services industry median PB Ratio is 1.48. AF Legal Group's value of 1.17 is 20.9% below this industry median. Based on the distribution chart, AF Legal Group ranks #38 out of 90 companies in the Personal Services industry, which is above the industry midpoint. Overall, AF Legal Group has a GF Score™ of 49/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AF Legal Group's PB Ratio compare to ROL and SCI?
According to the Personal Services industry distribution chart, AF Legal Group ranks #38 out of 90 companies for PB Ratio. This puts AF Legal Group in the upper half of its industry. The industry median PB Ratio is 1.48. AF Legal Group's value of 1.17 is 20.9% below this benchmark. Historically, AF Legal Group's own PB Ratio has ranged from 0.53 to 5.17 over the past decade. While the company's 10-year median is 1.66 vs. the industry median of 1.48, 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 PB Ratio for a Personal Services company?
The median PB Ratio among Personal Services companies is 1.48, based on 90 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AF Legal Group's current PB Ratio of 1.17 is 20.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AF Legal Group and its competitors. For the Personal Services industry, the median PB Ratio is 1.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AF Legal Group's current PB Ratio is 1.17, which is 30% below median its own 10-year median of 1.66. 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 Possible Value Trap. The stock's GF Value™ is A$0.21, compared to a current price of A$0.13 — trading 40.5% below its estimated fair value. The current PB Ratio is 1.17, which is 30% below median its 10-year median of 1.66 and 20.9% below the Personal Services industry median of 1.48. AF Legal Group's overall GF Score™ is 49/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For AF Legal Group (ASX:AFL), the current PB Ratio is 1.17 as of Jun. 24, 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 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$0.13 is trading 40.5% below its estimated GF Value™ of A$0.21.
GuruFocus considers AF Legal Group to be Possible Value Trap.
Key valuation signals for ASX:AFL:
PB Ratio: 1.17 (30% below median its 10-year median of 1.66)
GF Value™: A$0.21 vs. price of A$0.13 (40.5% below fair value)
Industry Position: 20.9% below the Personal Services median (#38 of 90)
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.
49GF Score
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