AF Legal Group (ASX:AFL) 3-Year RORE % : -43.48% (As of Dec. 2025)


ASX:AFL AF Legal Group Ltd ASX:AFL
49 GF Score
Price A$0.14
GF Value A$0.21
Valuation Possible Value Trap
! 6 Warning Signs
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What is AF Legal Group 3-Year RORE %?

AF Legal Group ASX:AFL 49 3-Year RORE % is -43.48 as of Dec. 2025. 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 91 Personal Services companies, AF Legal Group ranks worse than 78.02% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. AF Legal Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was -43.48%.

The industry rank for AF Legal Group's 3-Year RORE % or its related term are showing as below:

ASX:AFL's 3-Year RORE % is ranked worse than
78.02% of 91 companies
in the Personal Services industry
Industry Median: 4.66 vs ASX:AFL: -43.48

AF Legal Group  (ASX:AFL) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


AF Legal Group 3-Year RORE % Related Terms


AF Legal Group 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for AF Legal Group's 3-Year RORE % 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.

AF Legal Group 3-Year RORE % Chart

AF Legal Group Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -95.36 90.00 82.61 -17.53 -114.44

AF Legal Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
3-Year RORE % 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 -13.39 -17.53 -126.21 -114.44 -43.48

ASX:AFL vs ROL, SCI, FTDR: 3-Year RORE % Comparison

For the Personal Services subindustry, AF Legal Group's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Personal Services Industry

For the Personal Services industry and Consumer Cyclical sector, AF Legal Group's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where AF Legal Group's 3-Year RORE % falls into.


ASX:AFL
49GF Score
AF Legal Group Ltd ASX:AFL
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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AF Legal Group 3-Year RORE % Calculation

AF Legal Group's 3-Year RORE % for the quarter that ended in Dec. 2025 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 0.003-0.013 )/( 0.023-0 )
=-0.01/0.023
=-43.48 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -43.48 mean?
AF Legal Group (ASX:AFL) has a 3-Year RORE % of -43.48 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on AF Legal Group and its competitors. According to the industry distribution chart, AF Legal Group ranks #71 out of 91 companies in the Personal Services industry, placing it in the top 78%.
Is AF Legal Group's 3-Year RORE % too high?
AF Legal Group's current 3-Year RORE % is -43.48. Based on the distribution chart, AF Legal Group ranks #71 out of 91 companies in the Personal Services industry, which is in the bottom quartile relative to peers. 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 3-Year RORE % compare to ROL and SCI?
According to the Personal Services industry distribution chart, AF Legal Group ranks #71 out of 91 companies for 3-Year RORE %. This places AF Legal Group in the lower half of its industry. The industry median 3-Year RORE % is 4.66. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Personal Services company?
The median 3-Year RORE % among Personal Services companies is 4.66, based on 91 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on AF Legal Group and its competitors. For the Personal Services industry, the median 3-Year RORE % is 4.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AF Legal Group's current 3-Year RORE % is -43.48. 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$0.14 — trading 33.3% below its estimated fair value. The current 3-Year RORE % is -43.48. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For AF Legal Group (ASX:AFL), the current 3-Year RORE % is -43.48 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$0.14 is trading 33.3% 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:

  • 3-Year RORE %: -43.48
  • GF Value™: A$0.21 vs. price of A$0.14 (33.3% below fair value)
  • GF Score™: 49/100 with 6 warning signs

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 Business Description

Address 326 William Street, Level 2, Melbourne, VIC, AUS, 3000
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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$0.14
Price
A$0.21
GF Value