FSA Group Past Earnings Performance
Past criteria checks 0/6
FSA Group's earnings have been declining at an average annual rate of -3.6%, while the Consumer Finance industry saw earnings growing at 2.4% annually. Revenues have been declining at an average rate of 6.7% per year. FSA Group's return on equity is 9.4%, and it has net margins of 16.5%.
Key information
-3.6%
Earnings growth rate
-3.3%
EPS growth rate
| Consumer Finance Industry Growth | 8.3% |
| Revenue growth rate | -6.7% |
| Return on equity | 9.4% |
| Net Margin | 16.5% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses BreakdownBeta
How FSA Group makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 50 | 8 | 26 | 0 |
| 30 Sep 23 | 52 | 11 | 26 | 0 |
| 30 Jun 23 | 55 | 13 | 26 | 0 |
| 31 Mar 23 | 55 | 14 | 26 | 0 |
| 31 Dec 22 | 55 | 15 | 26 | 0 |
| 30 Sep 22 | 56 | 16 | 25 | 0 |
| 30 Jun 22 | 56 | 17 | 24 | 0 |
| 31 Mar 22 | 58 | 18 | 24 | 0 |
| 31 Dec 21 | 60 | 19 | 24 | 0 |
| 30 Sep 21 | 61 | 19 | 24 | 0 |
| 30 Jun 21 | 62 | 20 | 24 | 0 |
| 31 Mar 21 | 64 | 20 | 26 | 0 |
| 31 Dec 20 | 67 | 19 | 28 | 0 |
| 30 Sep 20 | 68 | 18 | 31 | 0 |
| 30 Jun 20 | 69 | 16 | 33 | 0 |
| 31 Mar 20 | 69 | 16 | 40 | 0 |
| 31 Dec 19 | 68 | 15 | 47 | 0 |
| 30 Sep 19 | 69 | 15 | 43 | 0 |
| 30 Jun 19 | 69 | 14 | 38 | 0 |
| 31 Mar 19 | 69 | 15 | 27 | 0 |
| 31 Dec 18 | 69 | 15 | 15 | 0 |
| 30 Sep 18 | 68 | 14 | 15 | 0 |
| 30 Jun 18 | 66 | 13 | 15 | 0 |
| 31 Mar 18 | 68 | 13 | 16 | 0 |
| 31 Dec 17 | 70 | 14 | 18 | 0 |
| 30 Sep 17 | 71 | 14 | 18 | 0 |
| 30 Jun 17 | 72 | 15 | 18 | 0 |
| 31 Mar 17 | 68 | 14 | 18 | 0 |
| 31 Dec 16 | 65 | 13 | 17 | 0 |
| 30 Sep 16 | 62 | 12 | 17 | 0 |
| 30 Jun 16 | 60 | 11 | 16 | 0 |
| 31 Dec 15 | 58 | 11 | 15 | 0 |
| 30 Sep 15 | 60 | 12 | 15 | 0 |
| 30 Jun 15 | 62 | 13 | 15 | 0 |
| 31 Mar 15 | 69 | 15 | 17 | 0 |
| 31 Dec 14 | 69 | 15 | 17 | 0 |
| 30 Sep 14 | 67 | 14 | 16 | 0 |
| 30 Jun 14 | 65 | 13 | 16 | 0 |
| 31 Mar 14 | 65 | 13 | 16 | 0 |
| 31 Dec 13 | 64 | 12 | 17 | 0 |
| 30 Sep 13 | 64 | 12 | 18 | 0 |
| 30 Jun 13 | 64 | 11 | 19 | 0 |
Quality Earnings: FSA has a large one-off loss of A$6.0M impacting its last 12 months of financial results to 31st December, 2023.
Growing Profit Margin: FSA's current net profit margins (16.5%) are lower than last year (27.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: FSA's earnings have declined by 3.6% per year over the past 5 years.
Accelerating Growth: FSA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: FSA had negative earnings growth (-46.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (-42.6%).
Return on Equity
High ROE: FSA's Return on Equity (9.4%) is considered low.