FSA GroupASX:FSA -0.36%78 FCF Margin % is 406.26% as of Dec. 2025, which is 1904% above its 10-year median of 20.27. GuruFocus rates ASX:FSA with a GF Score™ of 78/100 and a GF Value™ of A$1.43 (Fairly Valued). The stock has 10 warning signs investors should review. Among 531 Credit Services companies, FSA Group ranks better than 64.97% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. FSA Group's Free Cash Flow for the
six
months ended in Dec. 2025 was A$11.1 Mil. FSA Group's Revenue for the
six
months ended in Dec. 2025 was A$2.7 Mil. Therefore, FSA Group's FCF Margin % for the quarter that ended in Dec. 2025 was 406.26%.
The historical rank and industry rank for FSA Group's FCF Margin % or its related term are showing as below:
ASX:FSA'
s FCF Margin % Range Over the Past 10 Years
Min: 13.84 Med: 20.27 Max: 39.71
Current: 19.85
During the past 13 years, the highest FCF Margin % of FSA Group was 39.71%. The lowest was 13.84%. And the median was 20.27%.
ASX:FSA's FCF Margin % is ranked better than 64.97% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs ASX:FSA: 19.85
FSA Group FCF Margin % Related Terms
FSA Group FCF Margin % Historical Data
* Premium members only.
The historical data trend for FSA Group's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where FSA Group's FCF Margin % 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.
FSA Group (ASX:FSA) has a FCF Margin % of 406.26% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FSA Group and its competitors. This is 1904% above median its historical median of 20.27. Over the past decade, FSA Group's FCF Margin % has ranged from 13.84 to 39.71. According to the industry distribution chart, FSA Group ranks #186 out of 531 companies in the Credit Services industry, placing it in the top 35%.
Is FSA Group's FCF Margin % too high?
FSA Group's current FCF Margin % of 406.26% is 1904% above median its 10-year median of 20.27. Over the past 10 years, this metric has ranged from a low of 13.84 to a high of 39.71. The Credit Services industry median FCF Margin % is 0.24. FSA Group's value of 406.26% is 169175% above this industry median. Based on the distribution chart, FSA Group ranks #186 out of 531 companies in the Credit Services industry, which is above the industry midpoint. Overall, FSA Group has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #186 out of 531 companies for FCF Margin %. This puts FSA Group in the upper half of its industry. The industry median FCF Margin % is 0.24. FSA Group's value of 406.26% is 169175% above this benchmark. Historically, FSA Group's own FCF Margin % has ranged from 13.84 to 39.71 over the past decade. While the company's 10-year median is 20.27 vs. the industry median of 0.24, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current FCF Margin % of 406.26% is 169175% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FSA Group and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current FCF Margin % is 406.26%, which is 1904% above median its own 10-year median of 20.27. 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$1.38 — trading 3.8% below its estimated fair value. The current FCF Margin % is 406.26%, which is 1904% above median its 10-year median of 20.27 and 169175% above the Credit Services industry median of 0.24. FSA Group's overall GF Score™ is 78/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current FCF Margin % is 406.26% 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$1.38 is trading 3.8% below its estimated GF Value™ of A$1.43.
GuruFocus considers FSA Group to be Fairly Valued.
Key valuation signals for ASX:FSA:
FCF Margin %: 406.26% (1904% above median its 10-year median of 20.27)
GF Value™: A$1.43 vs. price of A$1.38 (3.8% below fair value)
Industry Position: 169175% above the Credit Services median (#186 of 531)
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.
78GF Score
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