FSA Group Ltd (FSA) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of FSA Group Ltd A$0.70, price A$1.26, upside -44.4%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range A$0.7077 – A$1.38 · fair‑value band A$0.6200 – A$0.9300 · the A$1.26 price screens above the A$0.7000 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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. The company offers debt agreements and informal arrangements, personal insolvency agreement, and bankruptcy services.
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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. 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$1.26, while our model-based Fair Value estimate is A$0.7000, implying the stock looks roughly 80.0% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of A$0.9800 per share, and 0 of the 7 models we run sit above the A$1.26 price.
Bear case: the Asset-Based group reads lowest at A$0.4700, and 7 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: A$0.6200 (bear) to A$0.9300 (bull), the price of A$1.26 sits above 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 50/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
FSA Group Ltd reported revenue of A$190K in FY2025 versus A$71.6M in FY2021, a compound −77.3%/yr. Reported net income was A$10.5M in FY2025, compounding −15.0%/yr from FY2021.
Key figures
Market cap A$153M (≈ $107M) · P/E ratio 12.6 · EPS (TTM) A$0.1000 · Dividend yield 5.6% · Net margin 28.7% · Return on equity 18.2% · Return on assets (EBIT) 5.9% · Operating margin 35.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −44%, FSA screens richer than that median.
Fair Value models
Bear A$0.6200Fair Value A$0.7000Bull A$0.9300
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (A$0.0300 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.Evidence ⓘEvidence = 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.40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−99.8%
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.
−86.1%
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.
−70.3%
Start year 2020 (pandemic). Over 10 years: −44.0% a year
Revenue growth 24 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.
−7.9%
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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.
−2.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.9%
Dividend (yield on the price)5.6%
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.−8% vs −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%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+29.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about +26.0% a year for the price.
Price, fair value, quality and upside side by side.
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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 · 331 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−44% · Bottom 25%
Profitability
Return on equity (TTM)18% · Top 25%
Return on assets2% · Below median
Net margin (TTM)29% · Above median
Operating margin (TTM)35% · Above median
Growth and dividend
Revenue growth23% · Above median
Dividend yield (TTM)5.6% · Top 25%
Balance sheet
Debt / equity9.84× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)12.6× · Pricier than median
P/B1.23× · Pricier than median
P/S (TTM)1.86× · Cheaper than median
P/FCF5.1× · Priciest 25%
EV/EBITDA12.6× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 49
FUTURE (revenue growth)100· sector 36
PAST (return on equity)73· sector 32
HEALTH (low debt)0· sector 59
DIVIDEND (yield)100· sector 68
VALUE 0: the price sits above our fair-value range.
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 Sep 23, 2026, our model estimates a fair value of A$0.7000 versus a price of A$1.26, about −44% upside (overvalued).
What is the fair value of FSA?
Our model-based fair value for FSA Group Ltd is A$0.7000 (as of Sep 23, 2026), built from audited fundamentals. The current price: A$1.26.
What is the quality score of FSA?
FSA Group Ltd has a Quality Score of 50/100. 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$0.7000 (as of Sep 23, 2026) from 7 valuation models. Cautious scenario A$0.6200, optimistic scenario A$0.9300. 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$0.7000, about −44% upside versus a price of A$1.26 (overvalued). Cautious scenario A$0.6200, optimistic scenario A$0.9300. The calculation is refreshed regularly with new filings.
Does FSA Group Ltd pay a dividend?
FSA Group Ltd currently shows a dividend yield of about 5.56% relative to its recent price (as of Sep 23, 2026).
What growth is priced into FSA Group Ltd (FSA)?
For today's price to be fair in a discounted-cash-flow model, FSA Group Ltd would have to grow free cash flow by +29.8 % per year for five years (discount rate 11.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -70.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of FSA use?
Our models discount FSA Group Ltd at 11.0 %: a base by market capitalisation (micro), damped by beta 0.25, country premium for Australia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For FSA Group Ltd that is +29.8 % per year a year over ten years, using the same discount rate (11.0 %) and the same formula as our fair value.
How much growth has FSA Group Ltd (FSA) delivered so far?
Over the past 5 years revenue at FSA Group Ltd grew -70.3 % a year. The price currently implies +29.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of FSA Group Ltd (FSA) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into FSA Group Ltd (+29.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of FSA Group Ltd (FSA)?
The free-cash-flow yield on the price is 13.81 %: that much free cash flow FSA Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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$0.7000 per share (as of Sep 23, 2026), against a price of A$1.26. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is FSA Group Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FSA trades above its calculated fair value: price A$1.26, fair value A$0.7000, a gap of about −44% (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$1.26); the fair value is what the company's own numbers justify (A$0.7000). For FSA Group Ltd the two are A$0.5600 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$153M (market capitalisation, as of Sep 23, 2026). Per share that is A$1.26; our models calculate a fair value of A$0.7000 per share.
What do the bullish and bearish scenarios say about FSA?
Our models span a range for FSA Group Ltd: cautious scenario A$0.6200, base A$0.7000, optimistic A$0.9300 per share (as of Sep 23, 2026, price A$1.26). 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 12.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.7000 is built from several models across several years. Other multiples: P/B 1.2, P/S 1.9, EV/EBITDA 12.6.
How solid is the balance sheet of FSA Group Ltd (FSA)?
Balance-sheet figures for FSA Group Ltd (as of Sep 23, 2026): return on equity 18.2%, debt of 9.84 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is FSA from its 52-week high?
FSA Group Ltd trades at A$1.26, about 9% below its 52-week high of A$1.38 and 20% above the low of A$1.05 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.7000 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 Sep 23, 2026: price A$1.26, calculated fair value A$0.7000 (−44%), Quality Score 50/100, from 7 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 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of A$0.7000, 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 13.0 % 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 Sep 24, 2026 was A$1.26. Our model-based fair value is A$0.7000, about −44% upside (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?
The price sits above even our optimistic bull case (A$0.9300). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. 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 −2.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +0.1 %, EBIT margin +9.4 %, tax rate −0.3 %, residual (interest, one-offs) −10.5 %. 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$153M (≈ $107M). 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 are the earnings per share of FSA Group Ltd (FSA)?
Earnings per share at FSA Group Ltd are A$0.1000 (price ÷ EPS = P/E 12.6). 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 5.6% (payout 70.0%). 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 28.7% (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 18.2% (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 5.9% (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 35.4% (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 +22.6% versus a year earlier (3y avg −86.1%). 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 +55.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does FSA Group Ltd (FSA) carry?
The net debt of FSA Group Ltd is A$862M (fiscal year 2025, ≈ 40.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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