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FSA GroupASX:FSA -0.39%81 EV-to-EBIT is 13.50 as of Jul. 17, 2026, which is 4% below its 10-year median of 14.06. GuruFocus rates ASX:FSA with a GF Score™ of 81/100 and a GF Value™ of A$1.44 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 311 Credit Services companies, FSA Group ranks better than 67.85% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
FSA Group's Enterprise Value for the quarter that ended in Dec. 2025 was A$1,072.7 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FSA Group's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$79.3 Mil.
* 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 EV-to-EBIT Related Terms
FSA Group EV-to-EBIT Historical Data
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The historical data trend for FSA Group's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where FSA Group's EV-to-EBIT falls into.
FSA Group's current Enterprise Value is A$1,070.8 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FSA Group's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was A$79.3 Mil.
* 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 EV-to-EBIT of 13.50 as of Jul. 17, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on FSA Group and its competitors. This is near median its historical median of 14.06. Over the past decade, FSA Group's EV-to-EBIT has ranged from 12.38 to 16.89. According to the industry distribution chart, FSA Group ranks #100 out of 311 companies in the Credit Services industry, placing it in the top 32.2%.
Is FSA Group's EV-to-EBIT too high?
FSA Group's current EV-to-EBIT of 13.50 is near median its 10-year median of 14.06. Over the past 10 years, this metric has ranged from a low of 12.38 to a high of 16.89. The Credit Services industry median EV-to-EBIT is 24.13. FSA Group's value of 13.50 is 44.1% below this industry median. Based on the distribution chart, FSA Group ranks #100 out of 311 companies in the Credit Services industry, which is above the industry midpoint. Overall, FSA Group has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #100 out of 311 companies for EV-to-EBIT. This puts FSA Group in the upper half of its industry. The industry median EV-to-EBIT is 24.13. FSA Group's value of 13.50 is 44.1% below this benchmark. Historically, FSA Group's own EV-to-EBIT has ranged from 12.38 to 16.89 over the past decade. While the company's 10-year median is 14.06 vs. the industry median of 24.13, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 24.13, based on 311 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current EV-to-EBIT of 13.50 is 44.1% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on FSA Group and its competitors. For the Credit Services industry, the median EV-to-EBIT is 24.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current EV-to-EBIT is 13.50, which is near median its own 10-year median of 14.06. 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 Modestly Undervalued. The stock's GF Value™ is A$1.44, compared to a current price of A$1.29 — trading 10.4% below its estimated fair value. The current EV-to-EBIT is 13.50, which is near median its 10-year median of 14.06 and 44.1% below the Credit Services industry median of 24.13. FSA Group's overall GF Score™ is 81/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current EV-to-EBIT is 13.50 as of Jul. 17, 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 undervalued.
The current stock price of A$1.29 is trading 10.4% below its estimated GF Value™ of A$1.44.
GuruFocus considers FSA Group to be Modestly Undervalued.
Key valuation signals for ASX:FSA:
EV-to-EBIT: 13.50 (near median its 10-year median of 14.06)
GF Value™: A$1.44 vs. price of A$1.29 (10.4% below fair value)
Industry Position: 44.1% below the Credit Services median (#100 of 311)
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.
81GF Score
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