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FSA GroupASX:FSA -0.78%83 EV-to-FCF is 44.06 as of Jul. 14, 2026, which is 21% above its 10-year median of 36.55. GuruFocus rates ASX:FSA with a GF Score™ of 83/100 and a GF Value™ of A$1.44 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 264 Credit Services companies, FSA Group ranks worse than 74.62% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FSA Group's Enterprise Value is A$1,068.9 Mil.
FSA Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$24.3 Mil. Therefore, FSA Group's EV-to-FCF for today is 44.06.
The historical rank and industry rank for FSA Group's EV-to-FCF or its related term are showing as below:
ASX:FSA'
s EV-to-FCF Range Over the Past 10 Years
Min: 19.11 Med: 36.55 Max: 62.65
Current: 43.96
During the past 13 years, the highest EV-to-FCF of FSA Group was 62.65. The lowest was 19.11. And the median was 36.55.
ASX:FSA's EV-to-FCF is ranked worse than 74.62% of 264
companies
in the Credit Services industry
Industry Median: 13.455
vs ASX:FSA: 43.96
EV-to-FCF 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-FCF 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$1.28.
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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
FSA Group EV-to-FCF Related Terms
FSA Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for FSA Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where FSA Group's EV-to-FCF falls into.
FSA Group's current Enterprise Value is A$1,068.9 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FSA Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was A$24.3 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-FCF of 44.06 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FSA Group and its competitors. This is 21% above median its historical median of 36.55. Over the past decade, FSA Group's EV-to-FCF has ranged from 19.11 to 62.65. According to the industry distribution chart, FSA Group ranks #197 out of 264 companies in the Credit Services industry, placing it in the top 74.6%.
Is FSA Group's EV-to-FCF too high?
FSA Group's current EV-to-FCF of 44.06 is 21% above median its 10-year median of 36.55. Over the past 10 years, this metric has ranged from a low of 19.11 to a high of 62.65. The Credit Services industry median EV-to-FCF is 13.46. FSA Group's value of 44.06 is 227.5% above this industry median. Based on the distribution chart, FSA Group ranks #197 out of 264 companies in the Credit Services industry, which is below the industry midpoint. Overall, FSA Group has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #197 out of 264 companies for EV-to-FCF. This places FSA Group in the lower half of its industry. The industry median EV-to-FCF is 13.46. FSA Group's value of 44.06 is 227.5% above this benchmark. Historically, FSA Group's own EV-to-FCF has ranged from 19.11 to 62.65 over the past decade. While the company's 10-year median is 36.55 vs. the industry median of 13.46, FSA Group has consistently been above 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-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.46, based on 264 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current EV-to-FCF of 44.06 is 227.5% above 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FSA Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current EV-to-FCF is 44.06, which is 21% above median its own 10-year median of 36.55. 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$1.28 — trading 11.1% below its estimated fair value. The current EV-to-FCF is 44.06, which is 21% above median its 10-year median of 36.55 and 227.5% above the Credit Services industry median of 13.46. FSA Group's overall GF Score™ is 83/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current EV-to-FCF is 44.06 as of Jul. 14, 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$1.28 is trading 11.1% 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-FCF: 44.06 (21% above median its 10-year median of 36.55)
GF Value™: A$1.44 vs. price of A$1.28 (11.1% below fair value)
Industry Position: 227.5% above the Credit Services median (#197 of 264)
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.
83GF Score
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