ASX/FSA (ASX/FSA)

Australian Securities Exchange: ASX/FSA · AUD

A$1.18

-0.00 (-0.4%)· Recorded snapshot

Market cap	144.5M
Revenue (ttm)	62.9M
Net income (ttm)	14.1M
EPS (ttm)	A$0.12
Shares out	122.5M
P/E (trailing)	10.0x
Dividend	A$0.07 (5.93%)
Volume	58,095
Beta	0.23

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 62.9M
Net income (ttm): 14.1M
EPS (ttm): A$0.12
P/E (trailing): 10.0x
Market cap: 144.5M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E10

P25 n/aP50 n/aP75 n/a

ROE16

P25 n/aP50 n/aP75 n/a

ROIC1.5

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.6%

Nasdaq Composite-2.3%

Dow Jones Industrial Average+1.9%

Russell 2000+1.8%

All ASX/FSA indicators

Market & fundamental data

Available fields

231

Groups with data

Currency

AUD

Showing 231 of 231 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	AUD
Country	Australia
Country code	AU
Earnings date	2026-11-19
Employees	97
Employees change	2
Employees growth	2.11%
Exchange	Australian Securities Exchange
Financial currency	AUD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	June
Founded	2000
Industry	Credit Services
Is primary listing	Yes
ISIN number	AU000000FSA4
Last earnings date	2026-02-22
Last refreshed	2026-10-29
Market cap	AUD 144.5M
Next earnings date	2026-11-19
Price	AUD 1.18
Price currency	AUD
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	asx/FSA
Website	https://www.fsagroup.com.au

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	10.36x
Average P/E ratio (3Y)	12.41x
Average P/E ratio (5Y)	10.69x
Earnings yield	9.97%
FCF yield	19.42%
Graham number	1.41817
Graham upside	20.18%
Industry forward P/E	8.12x
Industry P/E	10.84x
Lynch fair value	AUD 0.59
Lynch upside	-50.17%
P/B ratio	1.33x
P/E ratio	10.03x
P/FCF ratio	5.15x
P/OCF ratio	5.14x
P/S ratio	2.3x
Price / tangible book value	1.79x
Sector forward P/E	18.2x
Sector P/E	19.94x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	29.86%
FCF margin	44.58%
Gross margin	88.77%
Operating margin	37.91%
Pretax margin	37.91%
Profit margin	22.46%
Profit per employee	AUD 145,742
Profitable quarters	46
Profitable years	23
Revenue per employee	AUD 648,928
ROA	1.57%
ROA (5Y)	1.87%
ROE	15.99%
ROE (5Y)	14.54%
ROIC	1.47%
ROIC (5Y)	2.02%
Tax / revenue	11.32%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	49.33%
EPS growth (Q)	46.42%
EPS growth (QoQ)	35.8%
EPS growth 10Y	0.88%
EPS growth 3Y	3.43%
EPS growth 5Y	-6.11%
EPS growth quarters	4
EPS growth years	2
FCF growth	29.94%
FCF growth (Q)	25.41%
FCF growth (QoQ)	52.61%
FCF growth 3Y	9.35%
FCF growth 5Y	-0.33%
Net income growth	47.86%
Net income growth (Q)	-26.17%
Net income growth (QoQ)	27.69%
Net income growth 3Y	2.84%
Net income growth 5Y	-6.8%
Net income growth quarters	3
Net income growth years	2
OCF growth	29.33%
OCF growth (Q)	25.95%
OCF growth (QoQ)	52.22%
OCF growth 10Y	9.62%
OCF growth 3Y	9.13%
OCF growth 5Y	-0.96%
Operating income growth	47.52%
Operating income growth (Q)	34.29%
Operating income growth 3Y	-1.17%
Operating income growth 5Y	-5.72%
Revenue growth	20.85%
Revenue growth (Q)	19.23%
Revenue growth (QoQ)	6.63%
Revenue growth 10Y	0.53%
Revenue growth 3Y	4.78%
Revenue growth 5Y	0.37%
Revenue growth quarters	6
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	AUD -58,000
Depreciation and amortization	AUD 1.6M
EPS	AUD 0.12
FCF per share	AUD 0.23
Financing cash flow	AUD 148.6M
Free cash flow	AUD 28.1M
Gross profit	AUD 55.9M
Income taxes	AUD 7.1M
Investing cash flow	AUD -170M
Net borrowing	AUD 161.4M
Net cash flow	AUD 6.7M
Net income	AUD 14.1M
Operating income	AUD 23.9M
Revenue	AUD 62.9M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	AUD 0.76
Debt / equity	9.44
Debt / FCF	36.64
Goodwill	AUD 10.8M
Net cash (debt)	AUD -1B
Net cash / market cap	-703.67%
Net debt / equity	9.33
Net debt / FCF	36.23
Piotroski F-Score	6
Property, plant and equipment	AUD 5.9M
Shareholders' equity	AUD 109M
Tangible book value	AUD 80.7M
Tangible book value per share	AUD 0.66
Total assets	AUD 1.2B
Total cash	AUD 11.4M
Total debt	AUD 1B
Total liabilities	AUD 1B
WACC	0.68%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.06
Current ratio	3.49
Quick ratio	3.4
Working capital	AUD 803M
Working capital turnover	0.07

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.99%
Dividend growth	0%
Dividend growth (10Y)	0%
Dividend growth (3Y)	0%
Dividend growth (5Y)	3.13%
Dividend growth years	0
Dividend payment date	2026-08-28
Dividend payment years	16
Dividend payout frequency	Semi-Annual
Dividend per share	AUD 0.07
Dividend yield	5.93%
Ex-dividend date	2026-08-20
FCF payout ratio	30.55%
Last dividend	AUD 0.04
Payout ratio	61.56%
Shareholder yield	6.92%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	-6.35%
10Y return CAGR	5.33%
10Y total return	68.08%
150-day SMA	AUD 1.23
15Y price change	345.28%
15Y return CAGR	17.1%
15Y total return	967.53%
1D price change	-0.42%
1M price change	-3.67%
1M total return	-3.67%
1Y price change	0.85%
1Y return CAGR	6.66%
1Y total return	6.66%
20-day SMA	AUD 1.20
200-day SMA	AUD 1.24
20Y price change	210.53%
20Y return CAGR	10.76%
20Y total return	672.03%
3M price change	-9.23%
3M total return	-6.72%
3Y price change	20.41%
3Y return CAGR	13.92%
3Y total return	47.84%
50-day SMA	AUD 1.24
50-day SMA vs 200-day SMA	50under200
52-week high	AUD 1.40
52-week high date	2026-06-26
52-week low	AUD 1.08
52-week low date	2025-11-04
5Y price change	10.8%
5Y return CAGR	9.21%
5Y total return	55.37%
6M price change	0.85%
6M total return	3.65%
All-time high	AUD 1.68
All-time high date	2017-12-13
All-time low	AUD 0.03
All-time low date	2004-05-26
Average true range (ATR)	AUD 0.02
Average volume	14.4K
Beta (1Y)	0.61
Beta (2Y)	0.46
Beta (5Y)	0.23
Change from 52-week high	-15.41%
Change from 52-week low	9.26%
Change from all-time high	-29.76%
Change from all-time low	3,833.33%
Change from open	0%
Day's gap	-0.42%
Dollar volume	AUD 68,552
High price	AUD 1.18
Low price	AUD 1.18
Monthly RSI	53.84
Open price	AUD 1.18
Previous close	AUD 1.19
Price vs 150-day SMA	-4.38%
Price vs 20-day SMA	-1.67%
Price vs 200-day SMA	-4.92%
Price vs 50-day SMA	-4.68%
Relative volume	4.03
RSI	43.2
Sharpe ratio	0.86
Sharpe ratio (3Y)	0.41
Sharpe ratio (5Y)	0.46
Sortino ratio	1.59
Sortino ratio (3Y)	0.83
Sortino ratio (5Y)	0.9
Volume	58.1K
Weekly RSI	44.79
YTD price change	-9.92%
YTD total return	-4.74%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	37.6M
Shares change (QoQ)	-5.96%
Shares change (YoY)	-0.99%
Shares held by insiders	35.9%
Shares held by institutions	4.89%
Shares outstanding	122.5M

Deeper analysis on ASX/FSA

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this ASX/FSA report

Is a complete ASX/FSA research report available?

No complete published report is available for asx/FSA (ASX/FSA) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

144.5M

Revenue (ttm)

62.9M

Net income (ttm)

14.1M

EPS (ttm)

A$0.12

Shares out

122.5M

P/E (trailing)

10.0x

Dividend

A$0.07 (5.93%)

Volume

58,095

Beta

0.23

Metric

Value

Amount currency

AUD

Country

Australia

Country code

Earnings date

2026-11-19

Employees

Employees change

Employees growth

2.11%

Exchange

Australian Securities Exchange

Financial currency

AUD

Financial report date

2026-06-30

First seen

2026-05-10

Fiscal year end

June

Founded

2000

Industry

Credit Services

Is primary listing

Yes

ISIN number

AU000000FSA4

Last earnings date

2026-02-22

Last refreshed

2026-10-29

Market cap

AUD 144.5M

Next earnings date

2026-11-19

Price

AUD 1.18

Price currency

AUD

Sector

Financials

SIC code

6141

Stock price date

2026-10-28

Symbol

asx/FSA

Website

https://www.fsagroup.com.au

Metric

Value

Average P/E ratio (10Y)

10.36x

Average P/E ratio (3Y)

12.41x

Average P/E ratio (5Y)

10.69x

Earnings yield

9.97%

FCF yield

19.42%

Graham number

1.41817

Graham upside

20.18%

Industry forward P/E

8.12x

Industry P/E

10.84x

Lynch fair value

AUD 0.59

Lynch upside

-50.17%

P/B ratio

1.33x

P/E ratio

10.03x

P/FCF ratio

5.15x

P/OCF ratio

5.14x

P/S ratio

2.3x

Price / tangible book value

1.79x

Sector forward P/E

18.2x

Sector P/E

19.94x

Metric

Value

Effective tax rate

29.86%

FCF margin

44.58%

Gross margin

88.77%

Operating margin

37.91%

Pretax margin

37.91%

Profit margin

22.46%

Profit per employee

AUD 145,742

Profitable quarters

Profitable years

Revenue per employee

AUD 648,928

ROA

1.57%

ROA (5Y)

1.87%

ROE

15.99%

ROE (5Y)

14.54%

ROIC

1.47%

ROIC (5Y)

2.02%

Tax / revenue

11.32%

Metric

Value

EPS growth

49.33%

EPS growth (Q)

46.42%

EPS growth (QoQ)

35.8%

EPS growth 10Y

0.88%

EPS growth 3Y

3.43%

EPS growth 5Y

-6.11%

EPS growth quarters

EPS growth years

FCF growth

29.94%

FCF growth (Q)

25.41%

FCF growth (QoQ)

52.61%

FCF growth 3Y

9.35%

FCF growth 5Y

-0.33%

Net income growth

47.86%

Net income growth (Q)

-26.17%

Net income growth (QoQ)

27.69%

Net income growth 3Y

2.84%

Net income growth 5Y

-6.8%

Net income growth quarters

Net income growth years

OCF growth

29.33%

OCF growth (Q)

25.95%

OCF growth (QoQ)

52.22%

OCF growth 10Y

9.62%

OCF growth 3Y

9.13%

OCF growth 5Y

-0.96%

Operating income growth

47.52%

Operating income growth (Q)

34.29%

Operating income growth 3Y

-1.17%

Operating income growth 5Y

-5.72%

Revenue growth

20.85%

Revenue growth (Q)

19.23%

Revenue growth (QoQ)

6.63%

Revenue growth 10Y

0.53%

Revenue growth 3Y

4.78%

Revenue growth 5Y

0.37%

Revenue growth quarters

Revenue growth years

Metric

Value

Capital expenditures

AUD -58,000

Depreciation and amortization

AUD 1.6M

EPS

AUD 0.12

FCF per share

AUD 0.23

Financing cash flow

AUD 148.6M

Free cash flow

AUD 28.1M

Gross profit

AUD 55.9M

Income taxes

AUD 7.1M

Investing cash flow

AUD -170M

Net borrowing

AUD 161.4M

Net cash flow

AUD 6.7M

Net income

AUD 14.1M

Operating income

AUD 23.9M

Revenue

AUD 62.9M

Metric

Value

Book value per share

AUD 0.76

Debt / equity

9.44

Debt / FCF

36.64

Goodwill

AUD 10.8M

Net cash (debt)

AUD -1B

Net cash / market cap

-703.67%

Net debt / equity

9.33

Net debt / FCF

36.23

Piotroski F-Score

Property, plant and equipment

AUD 5.9M

Shareholders' equity

AUD 109M

Tangible book value

AUD 80.7M

Tangible book value per share

AUD 0.66

Total assets

AUD 1.2B

Total cash

AUD 11.4M

Total debt

AUD 1B

Total liabilities

AUD 1B

WACC

0.68%

Metric

Value

Asset turnover

0.06

Current ratio

3.49

Quick ratio

3.4

Working capital

AUD 803M

Working capital turnover

0.07

Metric

Value

Buyback yield / dilution

0.99%

Dividend growth

Dividend growth (10Y)

Dividend growth (3Y)

Dividend growth (5Y)

3.13%

Dividend growth years

Dividend payment date

2026-08-28

Dividend payment years

Dividend payout frequency

Semi-Annual

Dividend per share

AUD 0.07

Dividend yield

5.93%

Ex-dividend date

2026-08-20

FCF payout ratio

30.55%

Last dividend

AUD 0.04

Payout ratio

61.56%

Shareholder yield

6.92%

Metric

Value

10Y price change

-6.35%

10Y return CAGR

5.33%

10Y total return

68.08%

150-day SMA

AUD 1.23

15Y price change

345.28%

15Y return CAGR

17.1%

15Y total return

967.53%

1D price change

-0.42%

1M price change

-3.67%

1M total return

-3.67%

1Y price change

0.85%

1Y return CAGR

6.66%

1Y total return

6.66%

20-day SMA

AUD 1.20

200-day SMA

AUD 1.24

20Y price change

210.53%

20Y return CAGR

10.76%

20Y total return

672.03%

3M price change

-9.23%

3M total return

-6.72%

3Y price change

20.41%

3Y return CAGR

13.92%

3Y total return

47.84%

50-day SMA

AUD 1.24

50-day SMA vs 200-day SMA

50under200

52-week high

AUD 1.40

52-week high date

2026-06-26

52-week low

AUD 1.08

52-week low date

2025-11-04

5Y price change

10.8%

5Y return CAGR

9.21%

5Y total return

55.37%

6M price change

0.85%

6M total return

3.65%

All-time high

AUD 1.68

All-time high date

2017-12-13

All-time low

AUD 0.03

All-time low date

2004-05-26

Average true range (ATR)

AUD 0.02

Average volume

14.4K

Beta (1Y)

0.61

Beta (2Y)

0.46

Beta (5Y)

0.23

Change from 52-week high

-15.41%

Change from 52-week low

9.26%

Change from all-time high

-29.76%

Change from all-time low

3,833.33%

Change from open

Day's gap

-0.42%

Dollar volume

AUD 68,552

High price

AUD 1.18

Low price

AUD 1.18

Monthly RSI

53.84

Open price

AUD 1.18

Previous close

AUD 1.19

Price vs 150-day SMA

-4.38%

Price vs 20-day SMA

-1.67%

Price vs 200-day SMA

-4.92%

Price vs 50-day SMA

-4.68%

Relative volume

4.03

RSI

43.2

Sharpe ratio

0.86

Sharpe ratio (3Y)

0.41

Sharpe ratio (5Y)

0.46

Sortino ratio

1.59

Sortino ratio (3Y)

0.83

Sortino ratio (5Y)

0.9

Volume

58.1K

Weekly RSI

44.79

YTD price change

-9.92%

YTD total return

-4.74%

Metric

Value

Float

37.6M

Shares change (QoQ)

-5.96%

Shares change (YoY)

-0.99%

Shares held by insiders

35.9%

Shares held by institutions

4.89%

Shares outstanding

122.5M

ASX/FSA (ASX/FSA)

Price

Financial snapshot

Fair-value bridge

Latest news · ASX/FSA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ASX/FSA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ASX/FSA

Frequently asked questions

ASX/FSA (ASX/FSA)

Price

Financial snapshot

Fair-value bridge

Latest news · ASX/FSA

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ASX/FSA indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ASX/FSA

Frequently asked questions