FSA Group (ASX:FSA) Dividend Payout Ratio: 0.70 (As of Dec. 2025) — 27% Above Median


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 Dividend Payout Ratio?

FSA Group ASX:FSA +0.36% 78 Dividend Payout Ratio is 0.70 as of Dec. 2025, which is 27% above its 10-year median of 0.55. 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 195 Credit Services companies, FSA Group ranks worse than 85.13% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. FSA Group's Dividend Payout Ratio for the months ended in Dec. 2025 was 0.70.

The historical rank and industry rank for FSA Group's Dividend Payout Ratio or its related term are showing as below:

ASX:FSA' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.37   Med: 0.55   Max: 1.15
Current: 0.67

During the past 13 years, the highest Dividend Payout Ratio of FSA Group was 1.15. The lowest was 0.37. And the median was 0.55.

ASX:FSA's Dividend Payout Ratio is ranked worse than
85.13% of 195 companies
in the Credit Services industry
Industry Median: 0.32 vs ASX:FSA: 0.67

As of today (2026-06-26), the Dividend Yield % of FSA Group is 5.09%.

During the past 13 years, the highest Trailing Annual Dividend Yield of FSA Group was 8.86%. The lowest was 4.10%. And the median was 5.83%.

FSA Group's Dividends per Share for the months ended in Dec. 2025 was A$0.04.

During the past 3 years, the average Dividends Per Share Growth Rate was 2.50% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 3.80% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 0.50% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of FSA Group was 56.40% per year. The lowest was -5.00% per year. And the median was 2.70% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

FSA Group (ASX:FSA) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

FSA Group Dividend Payout Ratio Related Terms

FSA Group Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for FSA Group's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

FSA Group Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.37 0.47 0.65 1.15 0.81

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
Dividend Payout Ratio 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 0.83 1.03 0.55 0.65 0.70

ASX:FSA vs V, MA, AXP: Dividend Payout Ratio Comparison

For the Credit Services subindustry, FSA Group's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FSA Group's Dividend Payout Ratio distribution charts can be found below:

* The bar in red indicates where FSA Group's Dividend Payout Ratio falls into.


ASX:FSA
78GF Score
FSA Group Ltd ASX:FSA
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

FSA Group Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

FSA Group's Dividend Payout Ratio for the fiscal year that ended in Jun. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Jun. 2025 )/ EPS without NRI (A: Jun. 2025 )
=0.07/ 0.087
=0.80

FSA Group's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0.035/ 0.05
=0.70

* 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 Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.70 mean?
FSA Group (ASX:FSA) has a Dividend Payout Ratio of 0.70 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on FSA Group and its competitors. This is 27% above median its historical median of 0.55. Over the past decade, FSA Group's Dividend Payout Ratio has ranged from 0.37 to 1.15. According to the industry distribution chart, FSA Group ranks #166 out of 195 companies in the Credit Services industry, placing it in the top 85.1%.
Is FSA Group's Dividend Payout Ratio too high?
FSA Group's current Dividend Payout Ratio of 0.70 is 27% above median its 10-year median of 0.55. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 1.15. The Credit Services industry median Dividend Payout Ratio is 0.32. FSA Group's value of 0.70 is 118.8% above this industry median. Based on the distribution chart, FSA Group ranks #166 out of 195 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 Dividend Payout Ratio compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #166 out of 195 companies for Dividend Payout Ratio. This places FSA Group in the lower half of its industry. The industry median Dividend Payout Ratio is 0.32. FSA Group's value of 0.70 is 118.8% above this benchmark. Historically, FSA Group's own Dividend Payout Ratio has ranged from 0.37 to 1.15 over the past decade. While the company's 10-year median is 0.55 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.32, based on 195 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current Dividend Payout Ratio of 0.70 is 118.8% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on FSA Group and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Dividend Payout Ratio is 0.70, which is 27% above median its own 10-year median of 0.55. 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 Fairly Valued. The stock's GF Value™ is A$1.43, compared to a current price of A$1.38 — trading 3.5% below its estimated fair value. The current Dividend Payout Ratio is 0.70, which is 27% above median its 10-year median of 0.55 and 118.8% above the Credit Services industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Dividend Payout Ratio is 0.70 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 3.5% below its estimated GF Value™ of A$1.43. GuruFocus considers FSA Group to be Fairly Valued.

Key valuation signals for ASX:FSA:

  • Dividend Payout Ratio: 0.70 (27% above median its 10-year median of 0.55)
  • GF Value™: A$1.43 vs. price of A$1.38 (3.5% below fair value)
  • GF Score™: 78/100 with 10 warning signs
  • Industry Position: 118.8% above the Credit Services median (#166 of 195)

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

Dividend Payout Ratio 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