Australian Finance Group Ltd
ASX:AFG
Profitability Summary
Australian Finance Group Ltd's profitability score is 49/100. We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.
Score
We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.
We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.
Score
Score
Margins
Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.
Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.
Earnings Waterfall
Australian Finance Group Ltd
|
Revenue
|
876.4m
AUD
|
|
Cost of Revenue
|
-773m
AUD
|
|
Gross Profit
|
103.3m
AUD
|
|
Operating Expenses
|
-65m
AUD
|
|
Operating Income
|
38.4m
AUD
|
|
Other Expenses
|
-8.6m
AUD
|
|
Net Income
|
29.8m
AUD
|
Margins Comparison
Australian Finance Group Ltd Competitors
| Country | Company | Market Cap |
Gross Margin |
Operating Margin |
Net Margin |
||
|---|---|---|---|---|---|---|---|
| AU |
|
Australian Finance Group Ltd
ASX:AFG
|
595.7m AUD |
12%
|
4%
|
3%
|
|
| US |
|
Rocket Companies Inc
NYSE:RKT
|
25.6B USD |
0%
|
16%
|
0%
|
|
| US |
|
Federal National Mortgage Association
OTC:FNMA
|
10.1B USD |
17%
|
13%
|
0%
|
|
| US |
|
Mr Cooper Group Inc
NASDAQ:COOP
|
8.5B USD |
0%
|
37%
|
26%
|
|
| US |
|
UWM Holdings Corp
NYSE:UWMC
|
6.6B USD |
88%
|
48%
|
0%
|
|
| US |
|
MGIC Investment Corp
NYSE:MTG
|
6.2B USD |
0%
|
84%
|
63%
|
|
| BM |
|
Essent Group Ltd
NYSE:ESNT
|
5.9B USD |
0%
|
70%
|
57%
|
|
| US |
|
Enact Holdings Inc
NASDAQ:ACT
|
5.2B USD |
0%
|
77%
|
57%
|
|
| US |
|
PennyMac Financial Services Inc
NYSE:PFSI
|
4.9B USD |
67%
|
18%
|
14%
|
|
| US |
|
Radian Group Inc
NYSE:RDN
|
4.7B USD |
0%
|
69%
|
46%
|
|
| US |
F
|
Federal Home Loan Mortgage Corp
OTC:FMCC
|
4.7B USD |
101%
|
94%
|
0%
|
Return on Capital
Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.
Return on Capital Comparison
Australian Finance Group Ltd Competitors
| Country | Company | Market Cap | ROE | ROA | ROCE | ROIC | ||
|---|---|---|---|---|---|---|---|---|
| AU |
|
Australian Finance Group Ltd
ASX:AFG
|
595.7m AUD |
15%
|
0%
|
1%
|
1%
|
|
| US |
|
Rocket Companies Inc
NYSE:RKT
|
25.6B USD |
0%
|
0%
|
6%
|
3%
|
|
| US |
|
Federal National Mortgage Association
OTC:FNMA
|
10.1B USD |
0%
|
0%
|
0%
|
0%
|
|
| US |
|
Mr Cooper Group Inc
NASDAQ:COOP
|
8.5B USD |
12%
|
3%
|
6%
|
4%
|
|
| US |
|
UWM Holdings Corp
NYSE:UWMC
|
6.6B USD |
-6%
|
0%
|
10%
|
9%
|
|
| US |
|
MGIC Investment Corp
NYSE:MTG
|
6.2B USD |
15%
|
12%
|
16%
|
13%
|
|
| BM |
|
Essent Group Ltd
NYSE:ESNT
|
5.9B USD |
13%
|
11%
|
13%
|
11%
|
|
| US |
|
Enact Holdings Inc
NASDAQ:ACT
|
5.2B USD |
14%
|
11%
|
14%
|
12%
|
|
| US |
|
PennyMac Financial Services Inc
NYSE:PFSI
|
4.9B USD |
9%
|
2%
|
3%
|
2%
|
|
| US |
|
Radian Group Inc
NYSE:RDN
|
4.7B USD |
13%
|
7%
|
11%
|
8%
|
|
| US |
F
|
Federal Home Loan Mortgage Corp
OTC:FMCC
|
4.7B USD |
0%
|
0%
|
4%
|
3%
|
Free Cash Flow
Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.
If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.
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