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FSA Group Limited (FSA.AX)
AUD1.30
+0.02 (+1.56%)
AU ASX Financial Services Financial - Credit Services
Address
1 Oxford Street 2010
Darlinghurst, NSW, AU
Darlinghurst, NSW, AU
CEO
Tim Odillo Maher
Website
fsagroup.com.au
IPO
2001-01-10
ISIN AU000000FSA4
Description
FSA Group Limited, operating with its subsidiaries in Australia, delivers comprehensive debt management and direct lending services to individual and business clients. The company's activities are divided into two main segments. Its Services division specialises in offering various debt resolution pathways, such as informal arrangements, formal debt agreements, personal insolvency agreements, and bankruptcy administration. Concurrently, the Lending division extends residential mortgages and personal credit facilities to individuals for purposes like property and vehicle acquisition, alongside debt consolidation. This segment also provides asset financing solutions for small and medium-sized enterprises to acquire vehicles and critical operational equipment. Furthermore, FSA Group furnishes accounting and taxation services. Founded in 2000, the company's corporate headquarters are situated in Darlinghurst, Australia.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
AUD1.30
+0.02 (+1.56%)
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Volume Profile
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Liquidity & share structure
Average Volume
14.1K
Beta
0.24
Float Shares
34.87M
Free Float %
27.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +8.00% | +15.38% | +8.87% | +3.85% | +3.05% | +67.70% | +35.00% | +32.35% | +28.57% | +125.00% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1.30
Ratings Trend (MoM)
100% Bullish
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.66
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%-99.8% Q4'25: +42.1% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+43.1% ★ Q4'25: +100.0% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+7,881.9% ★ Q4'25: +16.2% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+39,517.4% ★ Q4'25: +15.8% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+5.4% ★ Q4'25: +3.0% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%+0.1% Q4'25: +2.1% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×11.31× Q4'25: 20.55× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jun 2012 actual |
Jun 2013 actual |
Jun 2014 actual |
Jun 2015 actual |
Jun 2016 actual |
Jun 2017 actual |
Jun 2018 actual |
Jun 2019 actual |
Jun 2020 actual |
Jun 2021 actual |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 1 Rev. Ana. 1 EPS Ana. |
Jun 2027 1 Rev. Ana. 1 EPS Ana. |
Jun 2028 1 Rev. Ana. 1 EPS Ana. |
Jun 2029 1 Rev. Ana. 1 EPS Ana. |
Jun 2030 1 Rev. Ana. 1 EPS Ana. |
Jun 2031 1 Rev. Ana. 1 EPS Ana. |
Jun 2032 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
54.01M
est: 56.23M (-3.9%)
|
64.42M
est: 66.48M (-3.1%)
|
65.47M
est: 65.77M (-0.5%)
|
62.32M
est: 71.50M (-12.8%)
|
59.71M
est: 72.20M (-17.3%)
|
72.04M
est: 69.20M (+4.1%)
|
66.39M
est: 72.20M (-8.0%)
|
69.12M
est: 69.20M (-0.1%)
|
82.53M
est: 78.10M (+5.7%)
|
71.62M
est: 80.30M (-10.8%)
|
70.25M
est: 70.30M (-0.1%)
|
83.83M
est: 73.20M (+14.5%)
|
100.69M
est: 75.80M (+32.8%)
|
189.8K
est: 72.20M (-99.7%)
|
72.20M
72.20M – 72.20M
+0.0% YoY
|
69.20M
69.20M – 69.20M
-4.2% YoY
|
78.10M
78.10M – 78.10M
+12.9% YoY
|
80.30M
80.30M – 80.30M
+2.8% YoY
|
70.30M
70.30M – 70.30M
-12.5% YoY
|
73.20M
73.20M – 73.20M
+4.1% YoY
|
75.80M
75.80M – 75.80M
+3.6% YoY
|
| EBITDA |
32.11M
est: 38.03M (-15.6%)
|
32.36M
est: 44.08M (-26.6%)
|
33.18M
est: 43.61M (-23.9%)
|
22.96M
est: 48.36M (-52.5%)
|
28.52M
est: 48.83M (-41.6%)
|
25.44M
est: 46.80M (-45.6%)
|
20.26M
est: 22.91M (-11.6%)
|
22.55M
est: 46.80M (-51.8%)
|
39.74M
est: 52.82M (-24.8%)
|
40.84M
est: 54.31M (-24.8%)
|
40.20M
est: 47.55M (-15.5%)
|
51.34M
est: 49.51M (+3.7%)
|
63.11M
est: 51.27M (+23.1%)
|
76.58M
est: 48.83M (+56.8%)
|
48.83M
48.83M – 48.83M
+0.0% YoY
|
46.80M
46.80M – 46.80M
-4.2% YoY
|
52.82M
52.82M – 52.82M
+12.9% YoY
|
54.31M
54.31M – 54.31M
+2.8% YoY
|
47.55M
47.55M – 47.55M
-12.5% YoY
|
49.51M
49.51M – 49.51M
+4.1% YoY
|
51.27M
51.27M – 51.27M
+3.6% YoY
|
| EBIT |
31.78M
est: 37.33M (-14.9%)
|
32.02M
est: 43.27M (-26.0%)
|
32.67M
est: 42.80M (-23.7%)
|
34.54M
est: 47.47M (-27.2%)
|
28.98M
est: 47.93M (-39.5%)
|
35.42M
est: 45.94M (-22.9%)
|
40.10M
est: 24.35M (+64.7%)
|
39.38M
est: 45.94M (-14.3%)
|
39.10M
est: 51.85M (-24.6%)
|
39.90M
est: 53.31M (-25.2%)
|
38.95M
est: 46.67M (-16.5%)
|
50.09M
est: 48.59M (+3.1%)
|
61.45M
est: 50.32M (+22.1%)
|
75.00M
est: 47.93M (+56.5%)
|
47.93M
47.93M – 47.93M
+0.0% YoY
|
45.94M
45.94M – 45.94M
-4.2% YoY
|
51.85M
51.85M – 51.85M
+12.9% YoY
|
53.31M
53.31M – 53.31M
+2.8% YoY
|
46.67M
46.67M – 46.67M
-12.5% YoY
|
48.59M
48.59M – 48.59M
+4.1% YoY
|
50.32M
50.32M – 50.32M
+3.6% YoY
|
| Net Income |
8.53M
est: 6.50M (+31.2%)
|
10.76M
est: 10.09M (+6.7%)
|
13.48M
est: 12.21M (+10.4%)
|
14.69M
est: 14.69M (0.0%)
|
10.66M
est: 13.72M (-22.3%)
|
15.12M
est: 13.60M (+11.2%)
|
16.12M
est: 15.67M (+2.9%)
|
14.41M
est: 13.60M (+6.0%)
|
16.32M
est: 15.54M (+5.0%)
|
20.11M
est: 17.85M (+12.7%)
|
17.22M
est: 15.06M (+14.4%)
|
13.00M
est: 16.15M (-19.5%)
|
7.35M
est: 17.00M (-56.8%)
|
10.52M
est: 13.72M (-23.3%)
|
13.72M
13.72M – 13.72M
+0.0% YoY
|
13.60M
13.60M – 13.60M
-0.9% YoY
|
15.54M
15.54M – 15.54M
+14.3% YoY
|
17.85M
17.85M – 17.85M
+14.8% YoY
|
15.06M
15.06M – 15.06M
-15.6% YoY
|
16.15M
16.15M – 16.15M
+7.3% YoY
|
17.00M
17.00M – 17.00M
+5.3% YoY
|
| SGA |
19.67M
est: 1.71B (-98.9%)
|
19.41M
est: 1.98B (-99.0%)
|
15.59M
est: 1.96B (-99.2%)
|
16.93M
est: 2.17B (-99.2%)
|
16.43M
est: 2.20B (-99.3%)
|
18.39M
est: 2.11B (-99.1%)
|
18.25M
est: 19.06M (-4.2%)
|
15.67M
est: 2.11B (-99.3%)
|
33.45M
est: 2.38B (-98.6%)
|
24.04M
est: 2.44B (-99.0%)
|
23.83M
est: 2.14B (-98.9%)
|
25.80M
est: 2.23B (-98.8%)
|
27.02M
est: 2.31B (-98.8%)
|
28.63M
est: 2.20B (-98.7%)
|
2.20B
2.20B – 2.20B
+0.0% YoY
|
2.11B
2.11B – 2.11B
-4.2% YoY
|
2.38B
2.38B – 2.38B
+12.9% YoY
|
2.44B
2.44B – 2.44B
+2.8% YoY
|
2.14B
2.14B – 2.14B
-12.5% YoY
|
2.23B
2.23B – 2.23B
+4.1% YoY
|
2.31B
2.31B – 2.31B
+3.6% YoY
|
| EPS |
0.06
est: 0.05 (+17.1%)
|
0.09
est: 0.08 (+1.5%)
|
0.11
est: 0.10 (+10.0%)
|
0.12
est: 0.12 (-0.8%)
|
0.11
est: 0.11 (-2.7%)
|
0.12
est: 0.11 (+7.1%)
|
0.13
est: 0.11 (+15.0%)
|
0.12
est: 0.11 (+7.1%)
|
0.13
est: 0.13 (+1.6%)
|
0.16
est: 0.15 (+8.8%)
|
0.14
est: 0.12 (+12.9%)
|
0.11
est: 0.13 (-17.3%)
|
0.06
est: 0.14 (-56.8%)
|
0.09
est: 0.11 (-23.4%)
|
0.11
0.11 – 0.11
+0.0% YoY
|
0.11
0.11 – 0.11
-0.9% YoY
|
0.13
0.13 – 0.13
+14.3% YoY
|
0.15
0.15 – 0.15
+14.8% YoY
|
0.12
0.12 – 0.12
-15.6% YoY
|
0.13
0.13 – 0.13
+7.3% YoY
|
0.14
0.14 – 0.14
+5.3% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-28 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-27 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-26 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-25 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-19 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-15 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-14 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-01 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
56.03M
OE per share TTM
0.46
Owner's Yield
33.49%
Maintenance CapEx ratio
42.48%
Maint CapEx / Avg PPE
13.2%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
7.8K
Shares Outstanding
125.05M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Deborah Southon | Executive Director | 678.6K | female |
| Tim Odillo Maher | Executive Chairman | 649.5K | male |
| Cellina Z. Chen | Chief Financial Officer, Company Secretary & Executive Director | 588.6K | female |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for FSA.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
