FSA Group (ASX:FSA) 5-Year Yield-on-Cost %: 6.29 (As of Jul. 06, 2026) — 10% Below Median


ASX:FSA FSA Group Ltd ASX:FSA
82 GF Score
Price A$1.30
GF Value A$1.44
Valuation Modestly Undervalued
! 10 Warning Signs
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What is FSA Group 5-Year Yield-on-Cost %?

FSA Group ASX:FSA -2.99% 82 5-Year Yield-on-Cost % is 6.29 as of Jul. 06, 2026, which is 10% below its 10-year median of 7.00. GuruFocus rates ASX:FSA with a GF Score™ of 82/100 and a GF Value™ of A$1.44 (Modestly Undervalued). The stock has 10 warning signs investors should review. Among 211 Credit Services companies, FSA Group ranks better than 65.4% on this metric.

FSA Group's yield on cost for the quarter that ended in Dec. 2025 was 6.29.


The historical rank and industry rank for FSA Group's 5-Year Yield-on-Cost % or its related term are showing as below:

ASX:FSA' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.94   Med: 7   Max: 10.68
Current: 6.29


During the past 13 years, FSA Group's highest Yield on Cost was 10.68. The lowest was 4.94. And the median was 7.00.


ASX:FSA's 5-Year Yield-on-Cost % is ranked better than
65.4% of 211 companies
in the Credit Services industry
Industry Median: 4.57 vs ASX:FSA: 6.29

FSA Group  (ASX:FSA) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


FSA Group 5-Year Yield-on-Cost % Related Terms


ASX:FSA vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison

For the Credit Services subindustry, FSA Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, FSA Group's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where FSA Group's 5-Year Yield-on-Cost % falls into.


ASX:FSA
82GF Score
FSA Group Ltd ASX:FSA
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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FSA Group 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of FSA Group is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 6.29 mean?
FSA Group (ASX:FSA) has a 5-Year Yield-on-Cost % of 6.29 as of Jul. 06, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on FSA Group and its competitors. This is 10% below median its historical median of 7.00. Over the past decade, FSA Group's 5-Year Yield-on-Cost % has ranged from 4.94 to 10.68. According to the industry distribution chart, FSA Group ranks #73 out of 211 companies in the Credit Services industry, placing it in the top 34.6%.
Is FSA Group's 5-Year Yield-on-Cost % too high?
FSA Group's current 5-Year Yield-on-Cost % of 6.29 is 10% below median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 4.94 to a high of 10.68. The Credit Services industry median 5-Year Yield-on-Cost % is 4.57. FSA Group's value of 6.29 is 37.6% above this industry median. Based on the distribution chart, FSA Group ranks #73 out of 211 companies in the Credit Services industry, which is above the industry midpoint. Overall, FSA Group has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does FSA Group's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, FSA Group ranks #73 out of 211 companies for 5-Year Yield-on-Cost %. This puts FSA Group in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.57. FSA Group's value of 6.29 is 37.6% above this benchmark. Historically, FSA Group's own 5-Year Yield-on-Cost % has ranged from 4.94 to 10.68 over the past decade. While the company's 10-year median is 7.00 vs. the industry median of 4.57, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.57, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FSA Group's current 5-Year Yield-on-Cost % of 6.29 is 37.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on FSA Group and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSA Group's current 5-Year Yield-on-Cost % is 6.29, which is 10% below median its own 10-year median of 7.00. 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 Modestly Undervalued. The stock's GF Value™ is A$1.44, compared to a current price of A$1.30 — trading 9.7% below its estimated fair value. The current 5-Year Yield-on-Cost % is 6.29, which is 10% below median its 10-year median of 7.00 and 37.6% above the Credit Services industry median of 4.57. FSA Group's overall GF Score™ is 82/100 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 Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For FSA Group (ASX:FSA), the current 5-Year Yield-on-Cost % is 6.29 as of Jul. 06, 2026. 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$1.30 is trading 9.7% below its estimated GF Value™ of A$1.44. GuruFocus considers FSA Group to be Modestly Undervalued.

Key valuation signals for ASX:FSA:

  • 5-Year Yield-on-Cost %: 6.29 (10% below median its 10-year median of 7.00)
  • GF Value™: A$1.44 vs. price of A$1.30 (9.7% below fair value)
  • GF Score™: 82/100 with 10 warning signs
  • Industry Position: 37.6% above the Credit Services median (#73 of 211)

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.
82GF Score

Get the complete analysis for ASX:FSA

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.30
Price
A$1.44
GF Value