FSA Group Limited, together with its subsidiaries, engages in the provision of debt solutions and direct lending services to individuals in Australia.
Fair value with acceptable track record.
Share Price & News
How has FSA Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FSA's share price has been volatile over the past 3 months.
7 Day Return
AU Consumer Finance
1 Year Return
AU Consumer Finance
Return vs Industry: FSA exceeded the Australian Consumer Finance industry which returned -21.5% over the past year.
Return vs Market: FSA exceeded the Australian Market which returned -18.9% over the past year.
Price Volatility Vs. Market
How volatile is FSA Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 months ago | Simply Wall StAre Insiders Buying FSA Group Limited (ASX:FSA) Stock?
2 months ago | Simply Wall StHere's Why I Think FSA Group (ASX:FSA) Is An Interesting Stock
3 months ago | Simply Wall StWhat Is FSA Group's (ASX:FSA) P/E Ratio After Its Share Price Rocketed?
Is FSA Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FSA (A$0.9) is trading below our estimate of fair value (A$1.15)
Significantly Below Fair Value: FSA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FSA is poor value based on its PE Ratio (7.5x) compared to the Consumer Finance industry average (7.3x).
PE vs Market: FSA is good value based on its PE Ratio (7.5x) compared to the Australian market (13.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate FSA's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: FSA is overvalued based on its PB Ratio (2x) compared to the AU Consumer Finance industry average (1x).
How is FSA Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as FSA Group has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether FSA Group is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- FSA Group competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
How has FSA Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FSA has high quality earnings.
Growing Profit Margin: FSA's current net profit margins (22%) are higher than last year (21.4%).
Past Earnings Growth Analysis
Earnings Trend: FSA's earnings have grown by 2.8% per year over the past 5 years.
Accelerating Growth: FSA's earnings growth over the past year (1.1%) is below its 5-year average (2.8% per year).
Earnings vs Industry: FSA earnings growth over the past year (1.1%) underperformed the Consumer Finance industry 14.1%.
Return on Equity
High ROE: Whilst FSA's Return on Equity (26.96%) is high, this metric is skewed due to their high level of debt.
How is FSA Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: FSA has a low level of unsold assets or inventory.
Debt Coverage by Assets: FSA's debt is not covered by short term assets (assets are 0.2x debt).
Financial Institutions Analysis
Asset Level: FSA's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if FSA has a sufficient allowance for bad loans.
Low Risk Liabilities: FSA reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if FSA has an acceptable proportion of non-loan assets held.
Low Risk Deposits: FSA has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if FSA has an appropriate level of bad loans.
What is FSA Group's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: FSA's dividend (5.56%) is higher than the bottom 25% of dividend payers in the Australian market (3.17%).
High Dividend: FSA's dividend (5.56%) is low compared to the top 25% of dividend payers in the Australian market (8%).
Stability and Growth of Payments
Stable Dividend: FSA has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: FSA's dividend payments have increased, but the company has only paid a dividend for 9 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (50.1%), FSA's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
FSA Group has no CEO, or we have no data on them.
|Executive Director||17.75yrs||AU$913.50k||10.47% A$11.8m|
|Executive Director||17.75yrs||AU$872.50k||20.84% A$23.4m|
|Non-Executive Chairman||16.83yrs||AU$158.91k||0.88% A$990.0k|
|Independent Non-Executive Director||5yrs||AU$82.40k||0.13% A$144.7k|
Experienced Board: FSA's board of directors are seasoned and experienced ( 17.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
FSA Group Limited's company bio, employee growth, exchange listings and data sources
- Name: FSA Group Limited
- Ticker: FSA
- Exchange: ASX
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: AU$112.286m
- Shares outstanding: 124.76m
- Website: https://www.fsagroup.com.au
Number of Employees
- FSA Group Limited
- 70 Phillip Street
- Level 3
- New South Wales
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|FSA||ASX (Australian Securities Exchange)||Yes||Ordinary Shares||AU||AUD||Aug 2002|
|FSA||CHIA (Chi-X Australia)||Yes||Ordinary Shares||AU||AUD||Aug 2002|
FSA Group Limited, together with its subsidiaries, engages in the provision of debt solutions and direct lending services to individuals in Australia. The company operates through Services and Consumer Lending segments. The Services segment offers informal and debt agreement, personal insolvency agreement, and bankruptcy services. The Consumer Lending segment is involved in the home loan lending and broking, and personal loan lending activities. The company also provides accounting and taxation services. FSA Group Limited is headquartered in Sydney, Australia.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/04 10:32|
|End of Day Share Price||2020/04/03 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.