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Home CompaniesFSA Group Ltd

FSA Group Ltd

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
1.13 AUD -0.05 ( 4.24%)
Last update at 2026-11-12T04:59:00Z
VOLUME
688
Market Cap
142.41M
P/E
9.75

Momentum Score

…

FSA Group Limited, together with its subsidiaries, provides direct lending services to individuals and businesses in Australia. The company operates through Home Loan and Assets Finance, Personal Loan, and Other segments. It offers debt agreements and informal arrangements, personal insolvency agreement, and bankruptcy services. The company also provides home loans, car loans, unsecured personal loans, asset finance lending, and accounting and taxation services. FSA Group Limited was incorporated in 2000 and is headquartered in Darlinghurst, Australia.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
1.13
Low
1.13
High
52 Week Price Range
1.06
Low
1.36
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Public disclosures for FSA Group Ltd (ASX: FSA) are limited; filings list it as an Australian-listed small-cap but provide few operational details. Major long-term growth drivers are not clearly described in available reports, so investors may find the company's potential contingent on future clarity around revenue sources, scale and strategic execution.
Principal risks include low liquidity and small-cap volatility, execution and financing risk given sparse operational detail, and sector or regulatory exposures that could materially affect prospects.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
1.18
Dividend Yield
6.01%
Revenue TTM
62.95M
Revenue Per Share
0.52
Gross Profit TTM
55.88M
Debt / Equity
11.01
ROE
15.99%
Net Debt
989.71M
ROCE
7.49%
Diluted EPS TTM
0.12

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 23.86M 16.18M 12.57M 20.98M 26.94M
Minority interest - -0.65M -1.48M -1.81M -1.50M
Net income 14.14M 10.52M 7.35M 13.00M 17.22M
Selling general administrative - 23.65M 22.53M 22.31M 20.40M
Selling and marketing expenses - 4.98M 4.49M 3.49M 3.42M
Gross profit 141.00M -58.63M 99.33M 83.55M 70.24M
Reconciled depreciation - 1.58M 1.65M 1.25M 1.25M
Ebit 86.38M 75.00M 61.45M 50.19M 38.95M
Ebitda 87.80M 76.58M 63.11M 51.44M 40.20M
Depreciation and amortization 1.42M 1.58M 1.65M 1.25M 1.25M
Operating income 104.75M 16.18M 61.16M 50.19M 38.94M
Other operating expenses 39.08M 35.91M 27.02M 33.74M 28.64M
Interest expense 62.52M 58.82M 48.88M 29.12M 12.00M
Tax provision - 5.01M 3.75M 6.17M 8.22M
Interest income - 0.19M 0.29M 0.28M 0.01M
Net interest income - -58.63M -48.59M -28.83M -11.99M
Income tax expense 7.12M 5.01M 3.75M 6.17M 8.22M
Total revenue 143.84M 0.19M 100.69M 83.55M 70.24M
Total operating expenses 36.25M -74.81M 39.53M 33.64M 31.31M
Cost of revenue 2.83M 58.82M 1.36M 28.79M 11.65M
Total other income expense net -80.89M -71.00M -48.59M -0.10M 26.94M
Net income from continuing ops - 11.17M 8.82M 14.81M 18.72M
Net income applicable to common shares - 10.52M 7.35M 13.00M 17.22M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 1154.24M 981.42M 870.25M 717.22M 622.44M
Intangible assets 12.60M 2.55M 3.25M 3.83M 3.51M
Other current assets - 0.62M -39.37M 0.32M 0.62M
Total liab 1045.27M 881.07M 769.98M 615.91M 526.37M
Total stockholder equity 93.30M 87.31M 87.10M 88.02M 84.36M
Other current liab - 0.01M 0.04M 0.24M 0.47M
Common stock 3.19M - 2.49M 2.49M 3.50M
Capital stock - 5.93M 2.49M 2.49M 3.50M
Retained earnings 82.17M 75.64M 75.67M 76.82M 72.38M
Other liab - - - - 4.08M
Good will 10.77M 10.77M 10.77M 10.77M 10.77M
Other assets - - 3.11M - 472.90M
Cash 37.78M 4.18M 27.76M 16.40M 16.59M
Cash and equivalents - - - - 16.59M
Total current liabilities 1.49M 10.49M 9.40M 13.56M 11.92M
Current deferred revenue - - 7.11M 11.28M 9.40M
Net debt 989.71M 854.69M 728.32M 583.68M 495.02M
Short term debt 1.49M - 1.61M 1.39M 1.25M
Short long term debt - - 0.51M 0.35M 0.30M
Short long term debt total 1027.49M - 756.08M 600.08M 511.61M
Other stockholder equity - - - -79.31M -75.89M
Property plant equipment - - - - 11.16M
Total current assets 47.43M 15.62M 17.20M 30.82M 32.94M
Net tangible assets - - - - 70.08M
Net receivables 9.66M 11.10M 11.61M 14.10M 15.73M
Long term debt - 858.87M 747.46M 590.67M 501.44M
Accounts payable - 1.13M 0.64M 0.64M 0.81M
Accumulated other comprehensive income 7.93M - 8.94M 8.71M 8.48M
Non currrent assets other 0.72M - 0.59M -24.57M -25.44M
Non current assets total 1106.81M 965.80M 849.94M 686.40M 589.51M
Capital lease obligations - 6.94M 8.11M 9.07M 9.87M
Long term debt total - - - - 510.36M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - -119.53M -168.44M -99.77M -50.25M
Change to liabilities - - - - -0.84M
Total cashflows from investing activities -170.02M -119.53M -168.44M -99.77M -50.25M
Net borrowings - 111.53M 156.05M 88.75M 38.37M
Total cash from financing activities 148.57M 101.13M 144.87M 77.97M 24.88M
Change to operating activities - - - - 5.13M
Net income 14.14M 10.52M 7.35M 13.00M 17.22M
Change in cash 6.67M 3.34M -8.69M 0.53M 0.82M
Begin period cash flow 31.11M 27.76M 36.45M 35.92M 35.10M
End period cash flow 37.78M 31.10M 27.76M 36.45M 35.92M
Total cash from operating activities 28.12M 21.74M 14.88M 22.32M 26.19M
Depreciation 1.42M - 1.65M 1.95M 2.43M
Other cashflows from investing activities -169.66M -0.48M -0.74M -98.32M -49.82M
Dividends paid 8.70M 9.21M 10.09M 8.80M 8.60M
Change to account receivables 10.07M 8.76M 5.90M 2.35M 4.82M
Sale purchase of stock -2.74M - 0.00M -1.01M -4.89M
Other cashflows from financing activities -2.64M -1.20M -1.10M 87.78M 38.37M
Change to netincome - - - - 2.25M
Capital expenditures 0.06M 0.62M 0.94M 1.45M 0.43M
Change in working capital 1.64M 2.84M -3.39M 41.17M 20.40M
Other non cash items 10.93M 18.91M 9.27M 7.38M 6.54M
Free cash flow 28.06M 21.12M 13.94M 20.87M 25.77M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
FSA
FSA Group Ltd		 -0.05
4.24%		 1.13 9.75 21.98 2.26 1.52 177.97 13.24
ZIP
ZIP Co Ltd		 -0.10
4.61%		 2.07 20.10 12.32 1.87 3.53 3.52 11.32
CCP
Credit Corp Group Ltd		 0.15
0.96%		 15.82 10.05 8.78 2.22 1.13 2.50 7.39
LFG
Liberty Financial Group		 0.04
1.25%		 3.24 7.13 6.71 1.63 0.86 40.84 11.07
LFS
Latitude Group Holdings Ltd		 -0.01
1.19%		 0.83 9.22 - 1.59 0.66 6.49 13.37

Profile*

FSA Group Ltd

FSA Group Limited, together with its subsidiaries, provides direct lending services to individuals and businesses in Australia. The company operates through Home Loan and Assets Finance, Personal Loan, and Other segments. It offers debt agreements and informal arrangements, personal insolvency agreement, and bankruptcy services. The company also provides home loans, car loans, unsecured personal loans, asset finance lending, and accounting and taxation services. FSA Group Limited was incorporated in 2000 and is headquartered in Darlinghurst, Australia.

1 Oxford Street, Darlinghurst, NSW, Australia, 2010

61 2 8985 5565

https://www.fsagroup.com.au

97

Name Title Year Born
Ms. Cellina Z. Chen CFO, Company Sec. & Director NA
Ms. Deborah Southon Exec. Director NA
Mr. Tim Odillo Maher Exec. Director NA
Ms. Corrie Hassan Head of Bus. Lending NA
Mr. Tim Odillo Maher Executive Chairman NA
Ms. Cellina Z. Chen CFO, Company Secretary & Director NA
Ms. Deborah Southon Executive Director NA
Mr. Tim Odillo Maher Executive Chairman NA
Ms. Cellina Z. Chen CFO, Company Secretary & Director NA
Ms. Deborah Southon Executive Director NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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