FSA Group (ASX:FSA) Operating Margin %: -923.49% (As of Dec. 2025)


ASX:FSA FSA Group Ltd ASX:FSA
78 GF Score
Price A$1.38
GF Value A$1.43
Valuation Fairly Valued
! 10 Warning Signs
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What is FSA Group Operating Margin %?

FSA Group ASX:FSA -0.36% 78 Operating Margin % is -923.49% as of Dec. 2025. 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 412 Credit Services companies, FSA Group ranks better than 83.98% on this metric.

Operating Margin % is calculated as Operating Income divided by its Revenue. FSA Group's Operating Income for the six months ended in Dec. 2025 was A$-25.2 Mil. FSA Group's Revenue for the six months ended in Dec. 2025 was A$2.7 Mil. Therefore, FSA Group's Operating Margin % for the quarter that ended in Dec. 2025 was -923.49%.

Good Sign:

FSA Group Ltd operating margin is expanding. Margin expansion is usually a good sign.

The historical rank and industry rank for FSA Group's Operating Margin % or its related term are showing as below:

ASX:FSA' s Operating Margin % Range Over the Past 10 Years
Min: 17   Med: 50.71   Max: 60.87
Current: 52.83


ASX:FSA's Operating Margin % is ranked better than
83.98% of 412 companies
in the Credit Services industry
Industry Median: 17.325 vs ASX:FSA: 52.83

FSA Group's 5-Year Average Operating Margin % Growth Rate was 5.10% per year.

FSA Group's Operating Income for the six months ended in Dec. 2025 was A$-25.2 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Dec. 2025 was A$64.6 Mil.


FSA Group  (ASX:FSA) Operating Margin % Explanation

Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.


Be Aware

Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia’s Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.


FSA Group Operating Margin % Related Terms


FSA Group Operating Margin % Historical Data

* Premium members only.

The historical data trend for FSA Group's Operating 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.

FSA Group Operating Margin % Chart

FSA Group Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Operating Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 55.20 55.43 59.73 60.74 60.87

FSA Group Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Operating Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -246.32 77.16 -440.51 75.15 -923.49

ASX:FSA vs V, MA, AXP: Operating Margin % Comparison

For the Credit Services subindustry, FSA Group's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FSA Group's Operating Margin % distribution charts can be found below:

* The bar in red indicates where FSA Group's Operating Margin % falls into.


ASX:FSA
78GF Score
FSA Group Ltd ASX:FSA
Operating Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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FSA Group Operating Margin % Calculation

Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.

FSA Group's Operating Margin % for the fiscal year that ended in Jun. 2025 is calculated as

Operating Margin %=Operating Income (A: Jun. 2025 ) / Revenue (A: Jun. 2025 )
=74.811 / 122.9
=60.87 %

FSA Group's Operating Margin % for the quarter that ended in Dec. 2025 is calculated as

Operating Margin %=Operating Income (Q: Dec. 2025 ) / Revenue (Q: Dec. 2025 )
=-25.239 / 2.733
=-923.49 %

* 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.

Frequently Asked Questions Learn more about Operating Margin % →
What does a Operating Margin % of -923.49% mean?
FSA Group (ASX:FSA) has a Operating Margin % of -923.49% as of Dec. 2025. Operating margin is the ratio of total operating income to net sales. View historical data on FSA Group and its competitors. Over the past decade, FSA Group's Operating Margin % has ranged from 17.00 to 60.87. According to the industry distribution chart, FSA Group ranks #66 out of 412 companies in the Credit Services industry, placing it in the top 16%.
Is FSA Group's Operating Margin % too high?
FSA Group's current Operating Margin % is -923.49%. Over the past 10 years, this metric has ranged from a low of 17.00 to a high of 60.87. Based on the distribution chart, FSA Group ranks #66 out of 412 companies in the Credit Services industry, which is in the top quartile — a strong position 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 Operating Margin % compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #66 out of 412 companies for Operating Margin %. This places FSA Group in the top 16% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 17.33. Historically, FSA Group's own Operating Margin % has ranged from 17.00 to 60.87 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 Operating Margin % for a Credit Services company?
The median Operating Margin % among Credit Services companies is 17.33, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on FSA Group and its competitors. For the Credit Services industry, the median Operating Margin % is 17.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Operating Margin % is -923.49%. 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 Operating Margin % is -923.49%. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Operating Margin % is -923.49% 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:

  • Operating Margin %: -923.49%
  • GF Value™: A$1.43 vs. price of A$1.38 (3.8% below fair value)
  • GF Score™: 78/100 with 10 warning signs

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 Business Description

Address 1 Oxford Street, Level 13, Darlinghurst, NSW, AUS, 2010
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

Operating Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.38
Price
A$1.43
GF Value