ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. AF Legal Group's annualized net income for the quarter that ended in Dec. 2025 was A$0.99 Mil. AF Legal Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was A$9.57 Mil. Therefore, AF Legal Group's annualized ROE % for the quarter that ended in Dec. 2025 was 10.30%.
The historical rank and industry rank for AF Legal Group's ROE % or its related term are showing as below:
ASX:AFL'
s ROE % Range Over the Past 10 Years
Min: -77.95 Med: -4.6 Max: 12.41
Current: 3.29
During the past 13 years, AF Legal Group's highest ROE % was 12.41%. The lowest was -77.95%. And the median was -4.60%.
ASX:AFL's ROE % is ranked worse than 67.39% of 92
companies
in the Personal Services industry
Industry Median: 6.15
vs ASX:AFL: 3.29
AF Legal Group (ASX:AFL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
AF Legal Group ROE % Related Terms
AF Legal Group ROE % Historical Data
* Premium members only.
The historical data trend for AF Legal Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Personal Services Industry
For the Personal Services industry and Consumer Cyclical sector, AF Legal Group's ROE % distribution charts can be found below:
* The bar in red indicates where AF Legal Group's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
AF Legal Group (ASX:AFL) has a ROE % of 10.30% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AF Legal Group and its competitors. According to the industry distribution chart, AF Legal Group ranks #62 out of 92 companies in the Personal Services industry, placing it in the top 67.4%.
Is AF Legal Group's ROE % too high?
AF Legal Group's current ROE % is 10.30%. The Personal Services industry median ROE % is 6.15. AF Legal Group's value of 10.30% is 67.5% above this industry median. Based on the distribution chart, AF Legal Group ranks #62 out of 92 companies in the Personal Services industry, which is below 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 ROE % compare to ROL and SCI?
According to the Personal Services industry distribution chart, AF Legal Group ranks #62 out of 92 companies for ROE %. This places AF Legal Group in the lower half of its industry. The industry median ROE % is 6.15. AF Legal Group's value of 10.30% is 67.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Personal Services company?
The median ROE % among Personal Services companies is 6.15, based on 92 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AF Legal Group's current ROE % of 10.30% is 67.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on AF Legal Group and its competitors. For the Personal Services industry, the median ROE % is 6.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AF Legal Group's current ROE % is 10.30%. 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$0.12 — trading 42.9% below its estimated fair value. The current ROE % is 10.30% and 67.5% above the Personal Services industry median of 6.15. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For AF Legal Group (ASX:AFL), the current ROE % is 10.30% 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$0.12 is trading 42.9% 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:
ROE %: 10.30%
GF Value™: A$0.21 vs. price of A$0.12 (42.9% below fair value)
Industry Position: 67.5% above the Personal Services median (#62 of 92)
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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