Australian Finance Group Ltd
ASX:AFG

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Australian Finance Group Ltd
ASX:AFG
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Price: 1.52 AUD Market Closed
Market Cap: 411.6m AUD
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Income Statement

Earnings Waterfall
Australian Finance Group Ltd

Revenue
828.7m AUD
Cost of Revenue
-730.4m AUD
Gross Profit
98.3m AUD
Operating Expenses
-60.4m AUD
Operating Income
37.9m AUD
Other Expenses
-8.9m AUD
Net Income
29m AUD

Income Statement
Australian Finance Group Ltd

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Income Statement
Currency: AUD
Jun-2015 Dec-2015 Jun-2016 Dec-2016 Jun-2017 Dec-2017 Jun-2018 Dec-2018 Jun-2019 Dec-2019 Jun-2020 Dec-2020 Jun-2021 Dec-2021 Jun-2022 Dec-2022 Jun-2023 Dec-2023 Jun-2024
Revenue
Revenue
473
N/A
505
+7%
496
-2%
495
0%
554
+12%
578
+4%
567
-2%
569
+0%
589
+4%
597
+1%
622
+4%
658
+6%
701
+7%
806
+15%
871
+8%
860
-1%
792
-8%
798
+1%
829
+4%
Gross Profit
Cost of Revenue
(423)
(452)
(442)
(439)
(477)
(493)
(495)
(498)
(516)
(519)
(535)
(564)
(602)
(698)
(747)
(734)
(685)
(700)
(730)
Gross Profit
50
N/A
53
+6%
54
+1%
56
+4%
78
+40%
85
+9%
71
-16%
71
0%
73
+3%
78
+7%
86
+10%
94
+9%
99
+6%
109
+10%
125
+15%
126
+1%
108
-14%
98
-9%
98
+0%
Operating Income
Operating Expenses
(31)
(30)
(23)
(23)
(23)
(25)
(26)
(27)
(30)
(33)
(36)
(36)
(34)
(37)
(46)
(58)
(61)
(60)
(60)
Selling, General & Administrative
(34)
(35)
(38)
(37)
(39)
(39)
(38)
(42)
(44)
(46)
(48)
(46)
(46)
(52)
(62)
(74)
(76)
(74)
(75)
Depreciation & Amortization
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(2)
(4)
(6)
(7)
(7)
(7)
Other Operating Expenses
4
6
15
15
17
15
13
16
15
15
14
12
14
17
20
23
21
21
22
Operating Income
19
N/A
23
+19%
30
+32%
33
+8%
55
+67%
59
+9%
45
-24%
44
-2%
43
-3%
45
+6%
50
+11%
58
+15%
65
+12%
72
+10%
79
+10%
68
-14%
46
-32%
38
-18%
38
+0%
Pre-Tax Income
Interest Income Expense
2
3
3
3
2
2
3
3
4
3
3
4
5
5
5
6
7
7
6
Non-Reccuring Items
(0)
0
(0)
0
0
0
0
0
0
0
0
0
0
0
(24)
(24)
0
0
0
Total Other Income
0
(0)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Pre-Tax Income
22
N/A
25
+17%
33
+30%
35
+7%
57
+61%
62
+8%
48
-23%
47
-1%
46
-2%
49
+5%
54
+10%
62
+16%
71
+14%
77
+9%
60
-22%
50
-17%
54
+7%
45
-16%
44
-2%
Net Income
Tax Provision
(6)
(8)
(10)
(11)
(18)
(19)
(14)
(14)
(13)
(14)
(15)
(18)
(19)
(21)
(21)
(18)
(15)
(13)
(14)
Income from Continuing Operations
15
18
23
24
39
42
33
33
33
35
38
45
51
56
40
32
39
32
30
Income to Minority Interest
0
0
0
0
(0)
(0)
0
0
0
0
0
0
0
0
(1)
(2)
(2)
(2)
(1)
Net Income (Common)
20
N/A
22
+9%
23
+2%
24
+7%
39
+61%
42
+9%
33
-21%
33
0%
33
-1%
35
+5%
38
+10%
45
+17%
51
+15%
56
+10%
39
-31%
31
-21%
37
+22%
30
-20%
29
-3%
EPS (Diluted)
0.1
N/A
0.1
N/A
0.1
N/A
0.11
+10%
0.18
+64%
0.2
+11%
0.15
-25%
0.15
N/A
0.15
N/A
0.16
+7%
0.17
+6%
0.18
+6%
0.19
+6%
0.21
+11%
0.14
-33%
0.11
-21%
0.14
+27%
0.11
-21%
0.11
N/A

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