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FSA GroupASX:FSA 42 Cash-to-Debt is 0.01 as of Jun. 2026, which is 67% below its 10-year median of 0.03. GuruFocus rates ASX:FSA with a GF Score™ of 42/100 and a GF Value™ of A$0.06 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 513 Credit Services companies, FSA Group ranks worse than 94.54% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. FSA Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.01.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, FSA Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for FSA Group's Cash-to-Debt or its related term are showing as below:
ASX:FSA'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01 Med: 0.03 Max: 0.06
Current: 0.01
During the past 13 years, FSA Group's highest Cash to Debt Ratio was 0.06. The lowest was 0.01. And the median was 0.03.
ASX:FSA's Cash-to-Debt is ranked worse than 94.54% of 513
companies
in the Credit Services industry
Industry Median: 0.2
vs ASX:FSA: 0.01
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
FSA Group Cash-to-Debt Related Terms
FSA Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for FSA Group's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, FSA Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where FSA Group's Cash-to-Debt 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-to-Debt of 0.01 as of Jun. 2026. This is 67% below median its historical median of 0.03. Over the past decade, FSA Group's Cash-to-Debt has ranged from 0.01 to 0.06. According to the industry distribution chart, FSA Group ranks #485 out of 513 companies in the Credit Services industry, placing it in the top 94.5%.
Is FSA Group's Cash-to-Debt too high?
FSA Group's current Cash-to-Debt of 0.01 is 67% below median its 10-year median of 0.03. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.06. The Credit Services industry median Cash-to-Debt is 0.20. FSA Group's value of 0.01 is 95% below this industry median. Based on the distribution chart, FSA Group ranks #485 out of 513 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, FSA Group has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #485 out of 513 companies for Cash-to-Debt. This places FSA Group in the lower half of its industry. The industry median Cash-to-Debt is 0.20. FSA Group's value of 0.01 is 95% below this benchmark. Historically, FSA Group's own Cash-to-Debt has ranged from 0.01 to 0.06 over the past decade. While the company's 10-year median is 0.03 vs. the industry median of 0.20, FSA Group has consistently been below 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-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 513 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current Cash-to-Debt of 0.01 is 95% below 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Cash-to-Debt is 0.01, which is 67% below median its own 10-year median of 0.03. 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 Significantly Overvalued. The stock's GF Value™ is A$0.06, compared to a current price of A$1.27 — trading 2008.3% above its estimated fair value. The current Cash-to-Debt is 0.01, which is 67% below median its 10-year median of 0.03 and 95% below the Credit Services industry median of 0.20. FSA Group's overall GF Score™ is 42/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Cash-to-Debt is 0.01 as of Jun. 2026. 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 overvalued.
The current stock price of A$1.27 is trading 2008.3% above its estimated GF Value™ of A$0.06.
GuruFocus considers FSA Group to be Significantly Overvalued.
Key valuation signals for ASX:FSA:
Cash-to-Debt: 0.01 (67% below median its 10-year median of 0.03)
GF Value™: A$0.06 vs. price of A$1.27 (2008.3% above fair value)
Industry Position: 95% below the Credit Services median (#485 of 513)
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.
42GF Score
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