FSA GroupASX:FSA -0.36%78 ROE % is 13.95% as of Dec. 2025, which is 28% below its 10-year median of 19.26. 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 529 Credit Services companies, FSA Group ranks better than 79.21% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. FSA Group's annualized net income for the quarter that ended in Dec. 2025 was A$12.4 Mil. FSA Group's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was A$89.0 Mil. Therefore, FSA Group's annualized ROE % for the quarter that ended in Dec. 2025 was 13.95%.
The historical rank and industry rank for FSA Group's ROE % or its related term are showing as below:
ASX:FSA'
s ROE % Range Over the Past 10 Years
Min: 8.39 Med: 19.26 Max: 30.59
Current: 14.51
During the past 13 years, FSA Group's highest ROE % was 30.59%. The lowest was 8.39%. And the median was 19.26%.
ASX:FSA's ROE % is ranked better than 79.21% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs ASX:FSA: 14.51
FSA Group (ASX:FSA) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
FSA Group ROE % Related Terms
FSA Group ROE % Historical Data
* Premium members only.
The historical data trend for FSA Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's ROE % distribution charts can be found below:
* The bar in red indicates where FSA Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
FSA Group (ASX:FSA) has a ROE % of 13.95% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FSA Group and its competitors. This is 28% below median its historical median of 19.26. Over the past decade, FSA Group's ROE % has ranged from 8.39 to 30.59. According to the industry distribution chart, FSA Group ranks #110 out of 529 companies in the Credit Services industry, placing it in the top 20.8%.
Is FSA Group's ROE % too high?
FSA Group's current ROE % of 13.95% is 28% below median its 10-year median of 19.26. Over the past 10 years, this metric has ranged from a low of 8.39 to a high of 30.59. The Credit Services industry median ROE % is 6.61. FSA Group's value of 13.95% is 111% above this industry median. Based on the distribution chart, FSA Group ranks #110 out of 529 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #110 out of 529 companies for ROE %. This places FSA Group in the top 21% of its industry — outperforming the majority of peers. The industry median ROE % is 6.61. FSA Group's value of 13.95% is 111% above this benchmark. Historically, FSA Group's own ROE % has ranged from 8.39 to 30.59 over the past decade. While the company's 10-year median is 19.26 vs. the industry median of 6.61, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current ROE % of 13.95% is 111% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on FSA Group and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current ROE % is 13.95%, which is 28% below median its own 10-year median of 19.26. 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 ROE % is 13.95%, which is 28% below median its 10-year median of 19.26 and 111% above the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current ROE % is 13.95% 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:
ROE %: 13.95% (28% below median its 10-year median of 19.26)
GF Value™: A$1.43 vs. price of A$1.38 (3.8% below fair value)
Industry Position: 111% above the Credit Services median (#110 of 529)
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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