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FSA GroupASX:FSA -2.34%77 EV-to-OCF is 43.25 as of Jul. 25, 2026, which is 26% above its 10-year median of 34.29. GuruFocus rates ASX:FSA with a GF Score™ of 77/100 and a GF Value™ of A$1.45 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 542 Credit Services companies, FSA Group ranks worse than 87.45% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, FSA Group's Enterprise Value is A$1,065.2 Mil.
FSA Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was A$24.6 Mil. Therefore, FSA Group's EV-to-OCF for today is 43.25.
The historical rank and industry rank for FSA Group's EV-to-OCF or its related term are showing as below:
ASX:FSA'
s EV-to-OCF Range Over the Past 10 Years
Min: 18.42 Med: 34.29 Max: 58.68
Current: 43.46
During the past 13 years, the highest EV-to-OCF of FSA Group was 58.68. The lowest was 18.42. And the median was 34.29.
ASX:FSA's EV-to-OCF is ranked worse than 87.45% of 542
companies
in the Credit Services industry
Industry Median: -0.345
vs ASX:FSA: 43.46
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
FSA Group's share price for today is A$1.25.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FSA Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was A$0.104.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FSA Group EV-to-OCF Related Terms
FSA Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for FSA Group's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where FSA Group's EV-to-OCF falls into.
FSA Group's current Enterprise Value is A$1,065.2 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FSA Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was A$24.6 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-OCF of 43.25 as of Jul. 25, 2026. This is 26% above median its historical median of 34.29. Over the past decade, FSA Group's EV-to-OCF has ranged from 18.42 to 58.68. According to the industry distribution chart, FSA Group ranks #474 out of 542 companies in the Credit Services industry, placing it in the top 87.5%.
Is FSA Group's EV-to-OCF too high?
FSA Group's current EV-to-OCF of 43.25 is 26% above median its 10-year median of 34.29. Over the past 10 years, this metric has ranged from a low of 18.42 to a high of 58.68. Based on the distribution chart, FSA Group ranks #474 out of 542 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, FSA Group has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #474 out of 542 companies for EV-to-OCF. This places FSA Group in the lower half of its industry. Historically, FSA Group's own EV-to-OCF has ranged from 18.42 to 58.68 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. FSA Group's current EV-to-OCF is 43.25, which is 26% above median its own 10-year median of 34.29. 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$1.45, compared to a current price of A$1.25 — trading 13.8% below its estimated fair value. The current EV-to-OCF is 43.25, which is 26% above median its 10-year median of 34.29. FSA Group's overall GF Score™ is 77/100 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current EV-to-OCF is 43.25 as of Jul. 25, 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$1.25 is trading 13.8% below its estimated GF Value™ of A$1.45.
GuruFocus considers FSA Group to be Modestly Undervalued.
Key valuation signals for ASX:FSA:
EV-to-OCF: 43.25 (26% above median its 10-year median of 34.29)
GF Value™: A$1.45 vs. price of A$1.25 (13.8% 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.
77GF Score
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