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FSA GroupASX:FSA 42 Intrinsic Value: Projected FCF is A$2.38 as of Aug. 30, 2026. GuruFocus rates ASX:FSA with a GF Score™ of 42/100 and a GF Value™ of A$0.06 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 310 Credit Services companies, FSA Group ranks better than 57.42% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-30), FSA Group's Intrinsic Value: Projected FCF is A$2.38. The stock price of FSA Group is A$1.265. Therefore, FSA Group's Price-to-Intrinsic-Value-Projected-FCF of today is 0.5.
The historical rank and industry rank for FSA Group's Intrinsic Value: Projected FCF or its related term are showing as below:
ASX:FSA'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.31 Med: 0.59 Max: 1.03
Current: 0.53
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of FSA Group was 1.03. The lowest was 0.31. And the median was 0.59.
ASX:FSA's Price-to-Projected-FCF is ranked better than 57.42% of 310
companies
in the Credit Services industry
Industry Median: 0.725
vs ASX:FSA: 0.53
FSA Group (ASX:FSA) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
FSA Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
1.265
/
2.3828027188449
=
0.53
* 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 Intrinsic Value: Projected FCF Related Terms
FSA Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for FSA Group's Intrinsic Value: Projected 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.
ASX:FSA vs V, MA, AXP: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, FSA Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where FSA Group's Price-to-Projected-FCF falls into.
FSA Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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 Intrinsic Value: Projected FCF of A$2.38 mean?
FSA Group (ASX:FSA) has a Intrinsic Value: Projected FCF of A$2.38 as of Aug. 30, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on FSA Group and its competitors. According to the industry distribution chart, FSA Group ranks #132 out of 310 companies in the Credit Services industry, placing it in the top 42.6%.
Is FSA Group's Intrinsic Value: Projected FCF too high?
FSA Group's current Intrinsic Value: Projected FCF is A$2.38. Based on the distribution chart, FSA Group ranks #132 out of 310 companies in the Credit Services industry, which is above the industry midpoint. Overall, FSA Group has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's Intrinsic Value: Projected FCF compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #132 out of 310 companies for Intrinsic Value: Projected FCF. This puts FSA Group in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.73. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.73, based on 310 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on FSA Group and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Intrinsic Value: Projected FCF is A$2.38. 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 Significantly Overvalued. The stock's GF Value™ is A$0.06, compared to a current price of A$1.27 — trading 2008.3% above its estimated fair value. The current Intrinsic Value: Projected FCF is A$2.38. FSA Group's overall GF Score™ is 42/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Intrinsic Value: Projected FCF is A$2.38 as of Aug. 30, 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 overvalued.
The current stock price of A$1.27 is trading 2008.3% above its estimated GF Value™ of A$0.06.
GuruFocus considers FSA Group to be Significantly Overvalued.
Key valuation signals for ASX:FSA:
Intrinsic Value: Projected FCF: A$2.38
GF Value™: A$0.06 vs. price of A$1.27 (2008.3% above 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.
42GF Score
Get the complete analysis for ASX:FSA
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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