FSA GroupASX:FSA -0.36%78 ROA % is 1.22% as of Dec. 2025, which is 61% below its 10-year median of 3.09. 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 546 Credit Services companies, FSA Group ranks worse than 57.14% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. FSA Group's annualizedNet Income for the quarter that ended in Dec. 2025 was A$12.4 Mil.
FSA Group's average Total Assets over the quarter that ended in Dec. 2025 was A$1,018.6 Mil. Therefore, FSA Group's annualized ROA % for the quarter that ended in Dec. 2025 was 1.22%.
The historical rank and industry rank for FSA Group's ROA % or its related term are showing as below:
ASX:FSA'
s ROA % Range Over the Past 10 Years
Min: 0.93 Med: 3.09 Max: 3.78
Current: 1.29
During the past 13 years, FSA Group's highest ROA % was 3.78%. The lowest was 0.93%. And the median was 3.09%.
ASX:FSA's ROA % is ranked worse than 57.14% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs ASX:FSA: 1.29
FSA Group (ASX:FSA) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
FSA Group ROA % Related Terms
FSA Group ROA % Historical Data
* Premium members only.
The historical data trend for FSA Group's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's ROA % distribution charts can be found below:
* The bar in red indicates where FSA Group's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
FSA Group (ASX:FSA) has a ROA % of 1.22% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on FSA Group and its competitors. This is 61% below median its historical median of 3.09. Over the past decade, FSA Group's ROA % has ranged from 0.93 to 3.78. According to the industry distribution chart, FSA Group ranks #312 out of 546 companies in the Credit Services industry, placing it in the top 57.1%.
Is FSA Group's ROA % too high?
FSA Group's current ROA % of 1.22% is 61% below median its 10-year median of 3.09. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 3.78. The Credit Services industry median ROA % is 1.93. FSA Group's value of 1.22% is 36.8% below this industry median. Based on the distribution chart, FSA Group ranks #312 out of 546 companies in the Credit Services industry, which is below 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 ROA % compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #312 out of 546 companies for ROA %. This places FSA Group in the lower half of its industry. The industry median ROA % is 1.93. FSA Group's value of 1.22% is 36.8% below this benchmark. Historically, FSA Group's own ROA % has ranged from 0.93 to 3.78 over the past decade. While the company's 10-year median is 3.09 vs. the industry median of 1.93, FSA Group has consistently been below 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 ROA % for a Credit Services company?
The median ROA % among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current ROA % of 1.22% is 36.8% below 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on FSA Group and its competitors. For the Credit Services industry, the median ROA % is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current ROA % is 1.22%, which is 61% below median its own 10-year median of 3.09. 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 ROA % is 1.22%, which is 61% below median its 10-year median of 3.09 and 36.8% below the Credit Services industry median of 1.93. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current ROA % is 1.22% 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:
ROA %: 1.22% (61% below median its 10-year median of 3.09)
GF Value™: A$1.43 vs. price of A$1.38 (3.8% below fair value)
Industry Position: 36.8% below the Credit Services median (#312 of 546)
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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