Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. FSA Group's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was A$59.5 Mil. FSA Group's average total debt for the quarter that ended in Dec. 2025 was A$902.5 Mil. Therefore, FSA Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 6.59%.
FSA Group (ASX:FSA) Effective Interest Rate on Debt % Explanation
Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
FSA Group Effective Interest Rate on Debt % Related Terms
FSA Group Effective Interest Rate on Debt % Historical Data
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The historical data trend for FSA Group's Effective Interest Rate on 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.
ASX:FSA vs V, MA, AXP: Effective Interest Rate on Debt % Comparison
For the Credit Services subindustry, FSA Group's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where FSA Group's Effective Interest Rate on 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is two times the semi-annual (Dec. 2025) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 6.59% mean?
FSA Group (ASX:FSA) has a Effective Interest Rate on Debt % of 6.59% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on FSA Group and its competitors.
Is FSA Group's Effective Interest Rate on Debt % too high?
FSA Group's current Effective Interest Rate on Debt % is 6.59%. Overall, FSA Group has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's Effective Interest Rate on Debt % compare to V and MA?
FSA Group's Effective Interest Rate on Debt % of 6.59% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Credit Services company?
A good Effective Interest Rate on Debt % depends on the Credit Services industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on FSA Group and its competitors. FSA Group's current Effective Interest Rate on Debt % is 6.59%. 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$1.34 — trading 6.3% below its estimated fair value. The current Effective Interest Rate on Debt % is 6.59%. FSA Group's overall GF Score™ is 82/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Effective Interest Rate on Debt % is 6.59% 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$1.34 is trading 6.3% below its estimated GF Value™ of A$1.43.
GuruFocus considers FSA Group to be Fairly Valued.
Key valuation signals for ASX:FSA:
Effective Interest Rate on Debt %: 6.59%
GF Value™: A$1.43 vs. price of A$1.34 (6.3% below fair value)
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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