FSA Group (ASX:FSA) Debt-to-EBITDA : 11.30 (As of Dec. 2024)

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What is FSA Group Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

FSA Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was A$0.00 Mil. FSA Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was A$837.18 Mil. FSA Group's annualized EBITDA for the quarter that ended in Dec. 2024 was A$74.10 Mil. FSA Group's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 was 11.30.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for FSA Group's Debt-to-EBITDA or its related term are showing as below:

ASX:FSA' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 7.56 Med: 10.54 Max: 12.73
Current: 11.71

During the past 13 years, the highest Debt-to-EBITDA Ratio of FSA Group was 12.73. The lowest was 7.56. And the median was 10.54.

ASX:FSA's Debt-to-EBITDA is ranked worse than
57.09% of 275 companies
in the Credit Services industry
Industry Median: 10.02 vs ASX:FSA: 11.71

FSA Group Debt-to-EBITDA Historical Data

The historical data trend for FSA Group's Debt-to-EBITDA 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.

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FSA Group Debt-to-EBITDA Chart

FSA Group Annual Data

Trend

Jun15

Jun16

Jun17

Jun18

Jun19

Jun20

Jun21

Jun22

Jun23

Jun24

Debt-to-EBITDA

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11.68

10.56

12.73

11.69

11.98

FSA Group Semi-Annual Data
	Jun15	Dec15	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24
Debt-to-EBITDA	Get a 7-Day Free Trial															0.19	11.81	0.15	10.98	11.30

Competitive Comparison of FSA Group's Debt-to-EBITDA

For the Credit Services subindustry, FSA Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, FSA Group's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where FSA Group's Debt-to-EBITDA falls into.

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FSA Group Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

FSA Group's Debt-to-EBITDA for the fiscal year that ended in Jun. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(1.609	+	754.468)	/	63.106
	=	11.98

FSA Group's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0	+	837.18)	/	74.102
	=	11.30

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is two times the quarterly (Dec. 2024) EBITDA data.

FSA Group (ASX:FSA) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

FSA Group Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of FSA Group's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

FSA Group Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » FSA Group Ltd (ASX:FSA) » Definitions » Debt-to-EBITDA

Comparable Companies

Traded in Other Exchanges

N/A

Address

1 Oxford Street, Level 13, Darlinghurst, NSW, AUS, 2010

Website

https://www.fsagroup.com.au

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. 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.

FSA Group Headlines

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