FSA GroupASX:FSA 78 5-Year RORE % is -27.49 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. Among 487 Credit Services companies, FSA Group ranks worse than 78.03% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
FSA Group's 5-Year RORE % for the quarter that ended in Dec. 2025 was -27.49%.
The industry rank for FSA Group's 5-Year RORE % or its related term are showing as below:
ASX:FSA's 5-Year RORE % is ranked worse than 78.03% of 487
companies
in the Credit Services industry
Industry Median: 7.54
vs ASX:FSA: -27.49
FSA Group (ASX:FSA) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
FSA Group 5-Year RORE % Related Terms
FSA Group 5-Year RORE % Historical Data
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The historical data trend for FSA Group's 5-Year RORE % 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 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, FSA Group's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where FSA Group's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
FSA Group (ASX:FSA) has a 5-Year RORE % of -27.49 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on FSA Group and its competitors. According to the industry distribution chart, FSA Group ranks #380 out of 487 companies in the Credit Services industry, placing it in the top 78%.
Is FSA Group's 5-Year RORE % too high?
FSA Group's current 5-Year RORE % is -27.49. Based on the distribution chart, FSA Group ranks #380 out of 487 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 5-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #380 out of 487 companies for 5-Year RORE %. This places FSA Group in the lower half of its industry. The industry median 5-Year RORE % is 7.54. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Credit Services company?
The median 5-Year RORE % among Credit Services companies is 7.54, based on 487 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on FSA Group and its competitors. For the Credit Services industry, the median 5-Year RORE % is 7.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current 5-Year RORE % is -27.49. 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$1.34 — trading 6.3% below its estimated fair value. The current 5-Year RORE % is -27.49. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current 5-Year RORE % is -27.49 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$1.34 is trading 6.3% below its estimated GF Value™ of A$1.43.
GuruFocus considers FSA Group to be Fairly Valued.
Key valuation signals for ASX:FSA:
5-Year RORE %: -27.49
GF Value™: A$1.43 vs. price of A$1.34 (6.3% below fair value)
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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