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FSA GroupASX:FSA -0.38%82 Cash Ratio is 9.01 as of Dec. 2025, which is 645% above its 10-year median of 1.21. GuruFocus rates ASX:FSA with a GF Score™ of 82/100 and a GF Value™ of A$1.44 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 387 Credit Services companies, FSA Group ranks better than 82.17% on this metric.
FSA Group has a Cash Ratio of 9.01. It generally indicates that the company is able to cover all short-term debt and still have cash remaining.
The historical rank and industry rank for FSA Group's Cash Ratio or its related term are showing as below:
ASX:FSA'
s Cash Ratio Range Over the Past 10 Years
Min: 0.01 Med: 1.21 Max: 9.23
Current: 9.01
During the past 13 years, FSA Group's highest Cash Ratio was 9.23. The lowest was 0.01. And the median was 1.21.
ASX:FSA's Cash Ratio is ranked better than 82.17% of 387
companies
in the Credit Services industry
Industry Median: 0.63
vs ASX:FSA: 9.01
FSA Group (ASX:FSA) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
FSA Group Cash Ratio Related Terms
FSA Group Cash Ratio Historical Data
* Premium members only.
The historical data trend for FSA Group's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, FSA Group's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FSA Group Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's Cash Ratio distribution charts can be found below:
* The bar in red indicates where FSA Group's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FSA Group (ASX:FSA) has a Cash Ratio of 9.01 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on FSA Group and its competitors. This is 645% above median its historical median of 1.21. Over the past decade, FSA Group's Cash Ratio has ranged from 0.01 to 9.23. According to the industry distribution chart, FSA Group ranks #69 out of 387 companies in the Credit Services industry, placing it in the top 17.8%.
Is FSA Group's Cash Ratio too high?
FSA Group's current Cash Ratio of 9.01 is 645% above median its 10-year median of 1.21. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 9.23. The Credit Services industry median Cash Ratio is 0.63. FSA Group's value of 9.01 is 1330.2% above this industry median. Based on the distribution chart, FSA Group ranks #69 out of 387 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, FSA Group has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #69 out of 387 companies for Cash Ratio. This places FSA Group in the top 18% of its industry — outperforming the majority of peers. The industry median Cash Ratio is 0.63. FSA Group's value of 9.01 is 1330.2% above this benchmark. Historically, FSA Group's own Cash Ratio has ranged from 0.01 to 9.23 over the past decade. While the company's 10-year median is 1.21 vs. the industry median of 0.63, FSA Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.63, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current Cash Ratio of 9.01 is 1330.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on FSA Group and its competitors. For the Credit Services industry, the median Cash Ratio is 0.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Cash Ratio is 9.01, which is 645% above median its own 10-year median of 1.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FSA Group stock overvalued right now?
Based on GuruFocus' analysis, FSA Group (ASX:FSA) is currently considered Modestly Undervalued. The stock's GF Value™ is A$1.44, compared to a current price of A$1.30 — trading 10.1% below its estimated fair value. The current Cash Ratio is 9.01, which is 645% above median its 10-year median of 1.21 and 1330.2% above the Credit Services industry median of 0.63. FSA Group's overall GF Score™ is 82/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Cash Ratio is 9.01 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FSA Group (ASX:FSA) Overvalued in 2026?
Based on GuruFocus' analysis, FSA Group stock appears to be undervalued.
The current stock price of A$1.30 is trading 10.1% below its estimated GF Value™ of A$1.44.
GuruFocus considers FSA Group to be Modestly Undervalued.
Key valuation signals for ASX:FSA:
Cash Ratio: 9.01 (645% above median its 10-year median of 1.21)
GF Value™: A$1.44 vs. price of A$1.30 (10.1% below fair value)
Industry Position: 1330.2% above the Credit Services median (#69 of 387)
No single metric tells the full story. See the ASX:FSA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FSA Group Ltd is an Australian company that provides credit services. It offers debt solutions and direct lending services to individuals and businesses. The company has divided its business into Home Loans and Asset Finance and Personal Loans and Others. The Home Loans and Asset Finance segment offers home loans to assist clients wishing to purchase a property or consolidate their debt, as well as asset finance for SMEs wishing to purchase a vehicle and business-critical equipment. Personal Loans offer car loans to assist clients in purchasing a motor vehicle and unsecured personal loans for any approved purpose. The company generates the majority of its revenue from Home Loans and Asset Finance.
82GF Score
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