Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. FSA Group's
Operating Income
for the
six
months ended in Dec. 2025 was A$-25.2 Mil. FSA Group's Interest Expense for the
six
months ended in Dec. 2025 was A$-29.7 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. FSA Group Ltd interest coverage is 1.1, which is low.
The historical rank and industry rank for FSA Group's Interest Coverage or its related term are showing as below:
ASX:FSA'
s Interest Coverage Range Over the Past 10 Years
Min: 0.73 Med: 1.49 Max: 3.88
Current: 1.1
ASX:FSA's Interest Coverage is ranked worse than 93.87% of 163
companies
in the Credit Services industry
Industry Median: 47.86
vs ASX:FSA: 1.10
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
FSA Group Interest Coverage Related Terms
FSA Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for FSA Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ASX:FSA vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, FSA Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where FSA Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
FSA Group did not have earnings to cover the interest expense.
* 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.
What does a Interest Coverage of 0 (At Loss) mean?
FSA Group (ASX:FSA) has a Interest Coverage of 0 (At Loss) as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on FSA Group and its competitors. Over the past decade, FSA Group's Interest Coverage has ranged from 0.73 to 3.88. According to the industry distribution chart, FSA Group ranks #153 out of 163 companies in the Credit Services industry, placing it in the top 93.9%.
Is FSA Group's Interest Coverage too high?
FSA Group's current Interest Coverage is 0 (At Loss). Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 3.88. Based on the distribution chart, FSA Group ranks #153 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #153 out of 163 companies for Interest Coverage. This places FSA Group in the lower half of its industry. The industry median Interest Coverage is 47.86. Historically, FSA Group's own Interest Coverage has ranged from 0.73 to 3.88 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on FSA Group and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Interest Coverage is 0 (At Loss). 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 Interest Coverage is 0 (At Loss). 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Interest Coverage is 0 (At Loss) 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:
Interest Coverage: 0 (At Loss)
GF Value™: A$1.43 vs. price of A$1.38 (3.8% 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.
78GF Score
Get the complete analysis for ASX:FSA
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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