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FSA GroupASX:FSA -3.08%39 3-Year EPS without NRI Growth Rate is 3.30% as of Jun. 2026, which is 25% below its 10-year median of 4.40. GuruFocus rates ASX:FSA with a GF Score™ of 39/100 and a GF Value™ of A$0.06 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 435 Credit Services companies, FSA Group ranks worse than 61.61% on this metric.
During the past 12 months, FSA Group's average EPS without NRI Growth Rate was 35.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 3.30% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -9.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was -1.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of FSA Group was 60.60% per year. The lowest was -27.60% per year. And the median was 4.40% per year.
FSA Group (ASX:FSA) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
FSA Group 3-Year EPS without NRI Growth Rate Related Terms
ASX:FSA vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, FSA Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where FSA Group's 3-Year EPS without NRI Growth Rate falls into.
FSA Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 3.30% mean?
FSA Group (ASX:FSA) has a 3-Year EPS without NRI Growth Rate of 3.30% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for FSA Group and its competitors. This is 25% below median its historical median of 4.40. According to the industry distribution chart, FSA Group ranks #268 out of 435 companies in the Credit Services industry, placing it in the top 61.6%.
Is FSA Group's 3-Year EPS without NRI Growth Rate too high?
FSA Group's current 3-Year EPS without NRI Growth Rate of 3.30% is 25% below median its 10-year median of 4.40. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. FSA Group's value of 3.30% is 71.1% below this industry median. Based on the distribution chart, FSA Group ranks #268 out of 435 companies in the Credit Services industry, which is below the industry midpoint. Overall, FSA Group has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's 3-Year EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #268 out of 435 companies for 3-Year EPS without NRI Growth Rate. This places FSA Group in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. FSA Group's value of 3.30% is 71.1% below this benchmark. While the company's 10-year median is 4.40 vs. the industry median of 11.40, 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 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 435 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current 3-Year EPS without NRI Growth Rate of 3.30% is 71.1% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for FSA Group and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current 3-Year EPS without NRI Growth Rate is 3.30%, which is 25% below median its own 10-year median of 4.40. 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$1.26 — trading 2000% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 3.30%, which is 25% below median its 10-year median of 4.40 and 71.1% below the Credit Services industry median of 11.40. FSA Group's overall GF Score™ is 39/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current 3-Year EPS without NRI Growth Rate is 3.30% 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$1.26 is trading 2000% above its estimated GF Value™ of A$0.06.
GuruFocus considers FSA Group to be Significantly Overvalued.
Key valuation signals for ASX:FSA:
3-Year EPS without NRI Growth Rate: 3.30% (25% below median its 10-year median of 4.40)
GF Value™: A$0.06 vs. price of A$1.26 (2000% above fair value)
Industry Position: 71.1% below the Credit Services median (#268 of 435)
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.
39GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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