FSA Group (ASX:FSA) ROCE %: 8.02% (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 ROCE %?

FSA Group ASX:FSA -0.36% 78 ROCE % is 8.02% 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. FSA Group's annualized ROCE % for the quarter that ended in Dec. 2025 was 8.02%.

FSA Group  (ASX:FSA) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

FSA Group ROCE % Related Terms

FSA Group ROCE % Historical Data

* Premium members only.

The historical data trend for FSA Group's ROCE % 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 ROCE % Chart

FSA Group Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.67 6.95 7.62 7.87 8.20

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
ROCE % 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 7.49 8.15 8.04 8.11 8.02
ASX:FSA
78GF Score
FSA Group Ltd ASX:FSA
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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FSA Group ROCE % Calculation

FSA Group's annualized ROCE % for the fiscal year that ended in Jun. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Jun. 2025 )  (A: Jun. 2024 )(A: Jun. 2025 )
=75.001/( ( (867.14 - 9.399) + (981.422 - 10.493) )/ 2 )
=75.001/( (857.741+970.929)/ 2 )
=75.001/914.335
=8.20 %

FSA Group's ROCE % of for the quarter that ended in Dec. 2025 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Dec. 2025 )  (Q: Jun. 2025 )(Q: Dec. 2025 )
=81.036/( ( (981.422 - 10.493) + (1055.795 - 5.054) )/ 2 )
=81.036/( ( 970.929 + 1050.741 )/ 2 )
=81.036/1010.835
=8.02 %

(1) Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 8.02% mean?
FSA Group (ASX:FSA) has a ROCE % of 8.02% as of Dec. 2025.
Is FSA Group's ROCE % too high?
FSA Group's current ROCE % is 8.02%. The Credit Services industry median ROCE % is 3.39. FSA Group's value of 8.02% is 136.6% above this industry median. 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 ROCE % compare to V and MA?
FSA Group's ROCE % of 8.02% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. FSA Group's value of 8.02% is 136.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current ROCE % of 8.02% is 136.6% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current ROCE % is 8.02%. 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 ROCE % is 8.02% and 136.6% above the Credit Services industry median of 3.39. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current ROCE % is 8.02% 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:

  • ROCE %: 8.02%
  • GF Value™: A$1.43 vs. price of A$1.38 (3.8% below fair value)
  • GF Score™: 78/100 with 10 warning signs
  • Industry Position: 136.6% above the Credit Services median

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

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ROCE % 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