FSA GroupASX:FSA -0.36%78 Quick Ratio is 11.14 as of Dec. 2025, which is 256% above its 10-year median of 3.13. 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 394 Credit Services companies, FSA Group ranks better than 56.09% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. FSA Group's quick ratio for the quarter that ended in Dec. 2025 was 11.14.
FSA Group has a quick ratio of 11.14. It generally indicates good short-term financial strength.
The historical rank and industry rank for FSA Group's Quick Ratio or its related term are showing as below:
ASX:FSA'
s Quick Ratio Range Over the Past 10 Years
Min: 0.11 Med: 3.13 Max: 12.78
Current: 11.14
During the past 13 years, FSA Group's highest Quick Ratio was 12.78. The lowest was 0.11. And the median was 3.13.
ASX:FSA's Quick Ratio is ranked better than 56.09% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs ASX:FSA: 11.14
FSA Group (ASX:FSA) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
FSA Group Quick Ratio Related Terms
FSA Group Quick Ratio Historical Data
* Premium members only.
The historical data trend for FSA Group's Quick 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.
For the Credit Services subindustry, FSA Group's Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's Quick Ratio distribution charts can be found below:
* The bar in red indicates where FSA Group's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
FSA Group's Quick Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Quick Ratio of 11.14 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on FSA Group and its competitors. This is 256% above median its historical median of 3.13. Over the past decade, FSA Group's Quick Ratio has ranged from 0.11 to 12.78. According to the industry distribution chart, FSA Group ranks #173 out of 394 companies in the Credit Services industry, placing it in the top 43.9%.
Is FSA Group's Quick Ratio too high?
FSA Group's current Quick Ratio of 11.14 is 256% above median its 10-year median of 3.13. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 12.78. The Credit Services industry median Quick Ratio is 4.93. FSA Group's value of 11.14 is 126% above this industry median. Based on the distribution chart, FSA Group ranks #173 out of 394 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #173 out of 394 companies for Quick Ratio. This puts FSA Group in the upper half of its industry. The industry median Quick Ratio is 4.93. FSA Group's value of 11.14 is 126% above this benchmark. Historically, FSA Group's own Quick Ratio has ranged from 0.11 to 12.78 over the past decade. While the company's 10-year median is 3.13 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current Quick Ratio of 11.14 is 126% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on FSA Group and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current Quick Ratio is 11.14, which is 256% above median its own 10-year median of 3.13. 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 Quick Ratio is 11.14, which is 256% above median its 10-year median of 3.13 and 126% above the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current Quick Ratio is 11.14 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:
Quick Ratio: 11.14 (256% above median its 10-year median of 3.13)
GF Value™: A$1.43 vs. price of A$1.38 (3.8% below fair value)
Industry Position: 126% above the Credit Services median (#173 of 394)
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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