FSA Group Ltd (FSA) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of FSA Group Ltd stock A$0.99, price A$1.18, that is 16.1% below the price, quality 60 out of 100. Rating: overvalued. Calculated from audited financials with 10 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range A$0.7077 – A$1.38 · fair‑value band A$0.7900 – A$1.89 · the A$1.18 price screens above the A$0.9900 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
Follow FSA Group in your weekly email
Every Wednesday you see whether FSA Group is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
FSA Group Limited, together with its subsidiaries, provides payment arrangement and direct lending services to individuals and businesses in Australia. It operates in Home Loan and Assets Finance, Personal Loan, and Other segments.
Show moreShow less
The company offers debt agreements and informal arrangements, personal insolvency agreement, and bankruptcy services. It also provides home loans, car loans, unsecured personal loans, asset finance lending, and accounting and taxation services.
The company was incorporated in 2000 and is headquartered in Darlinghurst, Australia.
Stock analysis
FSA Group Ltd (FSA) currently trades at A$1.18, while our model-based Fair Value estimate is A$0.9900, 16% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Earnings-Based group reads highest at a median of A$1.71 per share, and 2 of the 10 models we run sit above the A$1.18 price.
Bear case: the DCF Models group reads lowest at A$0.1400, and 8 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: A$0.7900 (bear) to A$1.89 (bull), the price of A$1.18 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
FSA Group Ltd reported revenue of A$144M in FY2026 versus A$70.3M in FY2022, a compound +19.6%/yr. Reported net income was A$14.1M in FY2026, compounding −4.8%/yr from FY2022.
Key figures
Market cap A$145M (≈ $99.8M) Micro · P/E ratio 9.8 · P/S ratio 2.30 · EPS (TTM) A$0.1200 · Dividend yield 5.9% · Net margin 22.5% · Return on equity 16.0% · Return on assets (EBIT) 6.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −16%, FSA screens richer than that median.
Fair Value models
BearA$0.7900Fair Value A$0.9900BullA$1.89
Price A$1.18 · Downside -16.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then (A$0.0181 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.0%
Start year 2021 (pandemic). Over 10 years: +9.2% a year
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.4%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’26
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+2.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.4%
Dividend (yield on the price)5.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3.4% vs −0.2%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.47% → 8,524%
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score60 · Above median
Fair Value upside−16.1% · Below median
Profitability
Return on equity (12 months)16.0% · Top 25%
Return on assets1.2% · Bottom 25%
Net margin (12 months)22.5% · Below median
Operating margin (12 months)40.3% · Above median
Growth and dividend
Revenue growth (quarter YoY)19.2% · Above median
Dividend yield (12 months)5.9% · Top 25%
Balance sheet
Debt / equity10.95× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)9.8× · Cheaper than median
P/B1.55× · Pricier than median
P/S (12 months)2.30× · Cheaper than median
Price / free cash flow (fiscal year)5.2× · Cheaper than median
EV/EBITDA12.9× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)12· sector 59
FUTURE (revenue growth)96· sector 57
PAST (return on equity)64· sector 39
HEALTH (low debt)–
DIVIDEND (yield)100· sector 64
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "FSA Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/FSA
Frequently asked questions
Is FSA Group Ltd (FSA) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of A$0.9900 versus a price of A$1.18, about 16% lower (overvalued).
What is the fair value of FSA?
Our model-based fair value for FSA Group Ltd is A$0.9900 (as of Nov 6, 2026), built from audited fundamentals. The current price: A$1.18.
What is the quality score of FSA?
FSA Group Ltd has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for FSA Group Ltd (FSA)?
Our model-based price target is the fair value of A$0.9900 (as of Nov 6, 2026) from 10 valuation models. Cautious scenario A$0.7900, optimistic scenario A$1.89. It is a calculation from audited fundamentals, not an analyst target.
What is the FSA Group Ltd stock forecast for 2026?
Our models put fair value at A$0.9900, about 16% lower versus a price of A$1.18 (overvalued). Cautious scenario A$0.7900, optimistic scenario A$1.89. The calculation is refreshed regularly with new filings.
What is the revenue of FSA Group Ltd (FSA)?
FSA Group Ltd reported trailing-twelve-month revenue of about A$62.9M (latest available figure, as of Nov 6, 2026).
Does FSA Group Ltd pay a dividend?
FSA Group Ltd currently shows a dividend yield of 5.93% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of FSA Group Ltd (FSA) and when is the ex-dividend date?
FSA Group Ltd pays a dividend of A$0.07 per share a year, a dividend yield of 5.9%. The last ex-dividend date was Aug 20, 2026. A dividend has been paid every year since at least 2011. The payout ratio is 58.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of FSA Group Ltd (FSA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FSA Group Ltd it is A$0.9900 per share (as of Nov 6, 2026), against a price of A$1.18. It is the blended result of 10 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is FSA Group Ltd stock overvalued or undervalued in 2026?
As of Nov 6, 2026, FSA trades above its calculated fair value: price A$1.18, fair value A$0.9900, a gap of about −16% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FSA?
No. The price is what the market pays today (A$1.18); the fair value is what the company's own numbers justify (A$0.9900). For FSA Group Ltd the two are A$0.1900 per share apart. That gap is exactly why we show both numbers side by side.
How much is FSA Group Ltd worth?
The market values FSA Group Ltd at about A$145M (market capitalisation, as of Nov 6, 2026). Per share that is A$1.18; our models calculate a fair value of A$0.9900 per share.
What do the bullish and bearish scenarios say about FSA?
Our models span a range for FSA Group Ltd: cautious scenario A$0.7900, base A$0.9900, optimistic A$1.89 per share (as of Nov 6, 2026, price A$1.18). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FSA?
FSA Group Ltd trades at a price-to-earnings ratio of 9.8 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.9900 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 9.5. Other multiples: P/B 1.6, P/S 2.3, EV/EBITDA 12.9.
How solid is the balance sheet of FSA Group Ltd (FSA)?
Balance-sheet figures for FSA Group Ltd (as of Nov 6, 2026): return on equity 16.0%, debt of 10.95 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is FSA from its 52-week high?
FSA Group Ltd trades at A$1.18, about 14% below its 52-week high of A$1.38 and 8% above the low of A$1.09 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.9900 is for.
Which stocks are comparable to FSA Group Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is FSA Group Ltd stock attractive at the current price?
The data as of Nov 6, 2026: price A$1.18, calculated fair value A$0.9900 (−16%), Quality Score 60/100, from 10 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FSA calculated?
We run FSA Group Ltd through 10 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of A$0.9900 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. FSA Group Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of FSA Group Ltd (FSA)?
The closing price on Nov 9, 2026 was A$1.18. Our model-based fair value is A$0.9900, about 16% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FSA Group Ltd right now?
Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (A$0.7900 to A$1.89) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of FSA Group Ltd (FSA) come from?
Earnings per share at FSA Group Ltd grew −2.3 % a year from 2015 to 2026. Broken into its drivers: revenue per share +2.9 %, EBIT margin +10.2 %, tax rate −0.4 %, residual (interest, one-offs) −13.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of FSA Group Ltd
How large is the market capitalisation of FSA Group Ltd (FSA)?
The market capitalisation of FSA Group Ltd is A$145M (≈ $99.8M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of FSA Group Ltd (FSA)?
The price-to-sales ratio of FSA Group Ltd is 2.30 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of FSA Group Ltd (FSA)?
Earnings per share at FSA Group Ltd are A$0.1200 (price ÷ EPS = P/E 9.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of FSA Group Ltd (FSA)?
The dividend yield of FSA Group Ltd is 5.9% (payout 58.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of FSA Group Ltd (FSA)?
The net margin of FSA Group Ltd is 22.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of FSA Group Ltd (FSA)?
The return on equity (ROE) of FSA Group Ltd is 16.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of FSA Group Ltd (FSA)?
On an EBIT basis the return on assets of FSA Group Ltd is 6.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of FSA Group Ltd (FSA)?
The operating margin of FSA Group Ltd is 40.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FSA Group Ltd (FSA)?
Revenue at FSA Group Ltd is growing +19.2% versus a year earlier (3y avg +19.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at FSA Group Ltd (FSA)?
Earnings per share at FSA Group Ltd are growing +46.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does FSA Group Ltd (FSA) generate?
The free cash flow of FSA Group Ltd is A$28.1M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does FSA Group Ltd (FSA) carry?
The net debt of FSA Group Ltd is A$990M (fiscal year 2026, ≈ 35.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch FSA Group Ltd in the live analysis
One click puts FSA Group Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Thin data
Nov 6, 2026