FSA GroupASX:FSA -0.36%78 Current Ratio is 11.14 as of Dec. 2025, which is 256% above its 10-year median of 3.13. GuruFocus rates ASX:FSA with a GF Score™ of 78/100 and a GF Value™ of A$1.43 (Fairly Valued). The stock has 10 warning signs investors should review. Among 394 Credit Services companies, FSA Group ranks better than 55.58% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. FSA Group's current ratio for the quarter that ended in Dec. 2025 was 11.14.
FSA Group has a current ratio of 11.14. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for FSA Group's Current Ratio or its related term are showing as below:
ASX:FSA'
s Current Ratio Range Over the Past 10 Years
Min: 0.11 Med: 3.13 Max: 12.78
Current: 11.14
During the past 13 years, FSA Group's highest Current Ratio was 12.78. The lowest was 0.11. And the median was 3.13.
ASX:FSA's Current Ratio is ranked better than 55.58% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs ASX:FSA: 11.14
FSA Group (ASX:FSA) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
FSA Group Current Ratio Related Terms
FSA Group Current Ratio Historical Data
* Premium members only.
The historical data trend for FSA Group's Current 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 Current Ratio, along with its competitors' market caps and Current 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 Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where FSA Group's Current 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 Current Ratio of 11.14 as of Dec. 2025. This is 256% above median its historical median of 3.13. Over the past decade, FSA Group's Current Ratio has ranged from 0.11 to 12.78. According to the industry distribution chart, FSA Group ranks #175 out of 394 companies in the Credit Services industry, placing it in the top 44.4%.
Is FSA Group's Current Ratio too high?
FSA Group's current Current Ratio of 11.14 is 256% above median its 10-year median of 3.13. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 12.78. The Credit Services industry median Current Ratio is 5.06. FSA Group's value of 11.14 is 120.4% above this industry median. Based on the distribution chart, FSA Group ranks #175 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, FSA Group has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's Current Ratio compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #175 out of 394 companies for Current Ratio. This puts FSA Group in the upper half of its industry. The industry median Current Ratio is 5.06. FSA Group's value of 11.14 is 120.4% above this benchmark. Historically, FSA Group's own Current Ratio has ranged from 0.11 to 12.78 over the past decade. While the company's 10-year median is 3.13 vs. the industry median of 5.06, 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 Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current Current Ratio of 11.14 is 120.4% 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 Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Current Ratio is 11.14, which is 256% above median its own 10-year median of 3.13. 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 Fairly Valued. The stock's GF Value™ is A$1.43, compared to a current price of A$1.38 — trading 3.8% below its estimated fair value. The current Current Ratio is 11.14, which is 256% above median its 10-year median of 3.13 and 120.4% above the Credit Services industry median of 5.06. FSA Group's overall GF Score™ is 78/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Current Ratio is 11.14 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$1.38 is trading 3.8% below its estimated GF Value™ of A$1.43.
GuruFocus considers FSA Group to be Fairly Valued.
Key valuation signals for ASX:FSA:
Current Ratio: 11.14 (256% above median its 10-year median of 3.13)
GF Value™: A$1.43 vs. price of A$1.38 (3.8% below fair value)
Industry Position: 120.4% above the Credit Services median (#175 of 394)
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.
78GF Score
Get the complete analysis for ASX:FSA
Current Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:FSA has been successfully added to your 
