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FSA GroupASX:FSA -6.92%76 Equity-to-Asset is 0.09 as of Dec. 2025, which is 31% below its 10-year median of 0.13. GuruFocus rates ASX:FSA with a GF Score™ of 76/100 and a GF Value™ of A$1.45 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 548 Credit Services companies, FSA Group ranks worse than 91.24% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. FSA Group's Total Stockholders Equity for the quarter that ended in Dec. 2025 was A$90.8 Mil. FSA Group's Total Assets for the quarter that ended in Dec. 2025 was A$1,055.8 Mil.
Therefore, FSA Group's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.09.
The historical rank and industry rank for FSA Group's Equity-to-Asset or its related term are showing as below:
ASX:FSA'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.13 Max: 0.2
Current: 0.09
During the past 13 years, the highest Equity to Asset Ratio of FSA Group was 0.20. The lowest was 0.09. And the median was 0.13.
ASX:FSA's Equity-to-Asset is ranked worse than 91.24% of 548
companies
in the Credit Services industry
Industry Median: 0.4
vs ASX:FSA: 0.09
FSA Group (ASX:FSA) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
FSA Group Equity-to-Asset Related Terms
FSA Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for FSA Group's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where FSA Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
FSA Group's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Equity-to-Asset of 0.09 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on FSA Group and its competitors. This is 31% below median its historical median of 0.13. Over the past decade, FSA Group's Equity-to-Asset has ranged from 0.09 to 0.20. According to the industry distribution chart, FSA Group ranks #500 out of 548 companies in the Credit Services industry, placing it in the top 91.2%.
Is FSA Group's Equity-to-Asset too high?
FSA Group's current Equity-to-Asset of 0.09 is 31% below median its 10-year median of 0.13. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.20. The Credit Services industry median Equity-to-Asset is 0.40. FSA Group's value of 0.09 is 77.5% below this industry median. Based on the distribution chart, FSA Group ranks #500 out of 548 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, FSA Group has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #500 out of 548 companies for Equity-to-Asset. This places FSA Group in the lower half of its industry. The industry median Equity-to-Asset is 0.40. FSA Group's value of 0.09 is 77.5% below this benchmark. Historically, FSA Group's own Equity-to-Asset has ranged from 0.09 to 0.20 over the past decade. While the company's 10-year median is 0.13 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current Equity-to-Asset of 0.09 is 77.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on FSA Group and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Equity-to-Asset is 0.09, which is 31% below median its own 10-year median of 0.13. 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$1.21 — trading 16.6% below its estimated fair value. The current Equity-to-Asset is 0.09, which is 31% below median its 10-year median of 0.13 and 77.5% below the Credit Services industry median of 0.40. FSA Group's overall GF Score™ is 76/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Equity-to-Asset is 0.09 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$1.21 is trading 16.6% below its estimated GF Value™ of A$1.45.
GuruFocus considers FSA Group to be Modestly Undervalued.
Key valuation signals for ASX:FSA:
Equity-to-Asset: 0.09 (31% below median its 10-year median of 0.13)
GF Value™: A$1.45 vs. price of A$1.21 (16.6% below fair value)
Industry Position: 77.5% below the Credit Services median (#500 of 548)
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.
76GF Score
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