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FSA Group Ltd

Financial Services AU FSA

1.16AUD
-0.035(2.93%)

Last update at 2026-03-13T03:10:00Z

Day Range

1.151.16
LowHigh

52 Week Range

0.741.30
LowHigh

Fundamentals

  • Previous Close 1.20
  • Market Cap145.05M
  • Volume1359
  • P/E Ratio11.60
  • Dividend Yield5.86%
  • Revenue TTM57.71M
  • Revenue Per Share TTM0.47
  • Gross Profit TTM 51.57M
  • Diluted EPS TTM0.10

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 16.18M 12.57M 20.98M 26.94M 29.71M
Minority interest -0.64862M -1.47823M -1.80969M -1.50376M 3.61M
Net income 10.52M 7.35M 13.00M 17.22M 20.11M
Selling general administrative 23.65M 22.53M 22.31M 20.40M 18.22M
Selling and marketing expenses 4.98M 4.49M 3.49M 3.42M 5.82M
Gross profit -58.63387M 99.33M 83.55M 70.24M 71.61M
Reconciled depreciation 1.58M 1.65M 1.25M 1.25M 0.94M
Ebit 75.00M 61.45M 50.19M 38.95M 39.90M
Ebitda 76.58M 63.11M 51.44M 40.20M 40.84M
Depreciation and amortization 1.58M 1.65M 1.25M 1.25M 0.94M
Non operating income net other - - - - -
Operating income 16.18M 61.16M 50.19M 38.94M 39.53M
Other operating expenses 35.91M 27.02M 33.74M 28.64M 32.08M
Interest expense 58.82M 48.88M 29.12M 12.00M 10.18M
Tax provision 5.01M 3.75M 6.17M 8.22M 8.94M
Interest income 0.19M 0.29M 0.28M 0.01M 0.00552M
Net interest income -58.63387M -48.58511M -28.83491M -11.99121M -10.17906M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 5.01M 3.75M 6.17M 8.22M 8.94M
Total revenue 0.19M 100.69M 83.55M 70.24M 71.61M
Total operating expenses -74.81113M 39.53M 33.64M 31.31M 32.08M
Cost of revenue 58.82M 1.36M 28.79M 11.65M 10.18M
Total other income expense net -71.00253M -48.58500M -0.09647M 26.94M 0.36M
Discontinued operations - - - - -
Net income from continuing ops 11.17M 8.82M 14.81M 18.72M 20.77M
Net income applicable to common shares 10.52M 7.35M 13.00M 17.22M 20.11M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 981.42M 870.25M 717.22M 622.44M 521.94M
Intangible assets 2.55M 3.25M 3.83M 3.51M 1.82M
Earning assets - - - - -
Other current assets 0.62M -39.37381M 0.32M 0.62M 0.99M
Total liab 881.07M 769.98M 615.91M 526.37M 446.29M
Total stockholder equity 87.31M 87.10M 88.02M 84.36M 72.04M
Deferred long term liab - - - - -
Other current liab 0.01M 0.04M 0.24M 0.47M 0.46M
Common stock - 2.49M 2.49M 3.50M 6.36M
Capital stock 5.93M 2.49M 2.49M 3.50M 6.36M
Retained earnings 75.64M 75.67M 76.82M 72.38M 65.68M
Other liab - - - 4.08M 4.01M
Good will 10.77M 10.77M 10.77M 10.77M 0.35M
Other assets - 3.11M - 472.90M 387.97M
Cash 4.18M 27.76M 16.40M 16.59M 18.93M
Cash and equivalents - - - 16.59M 18.93M
Total current liabilities 10.49M 9.40M 13.56M 11.92M 12.14M
Current deferred revenue - 7.11M 11.28M 9.40M 9.81M
Net debt 854.69M 728.32M 583.68M 495.02M 412.33M
Short term debt - 1.61M 1.39M 1.25M 1.12M
Short long term debt - 0.51M 0.35M 0.30M 0.31M
Short long term debt total - 756.08M 600.08M 511.61M 431.26M
Other stockholder equity - - -79.31043M -75.88704M -72.04265M
Property plant equipment - - - 11.16M 12.42M
Total current assets 15.62M 17.20M 30.82M 32.94M 38.28M
Long term investments - - - - -
Net tangible assets - - - 70.08M 69.87M
Short term investments - - - - -
Net receivables 11.10M 11.61M 14.10M 15.73M 18.36M
Long term debt 858.87M 747.46M 590.67M 501.44M 420.35M
Inventory - - - - -
Accounts payable 1.13M 0.64M 0.64M 0.81M 0.75M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 8.94M 8.71M 8.48M 8.48M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - 0.59M -24.57217M -25.43820M -14.58895M
Deferred long term asset charges - - - - -
Non current assets total 965.80M 849.94M 686.40M 589.51M 483.66M
Capital lease obligations 6.94M 8.11M 9.07M 9.87M 10.60M
Long term debt total - - - 510.36M 430.14M
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments -119.52621M -168.43866M -99.76593M -50.25020M 6.34M
Change to liabilities - - - -0.84322M 0.81M
Total cashflows from investing activities -119.52621M -168.43866M -99.76593M -50.25020M 6.34M
Net borrowings 111.53M 156.05M 88.75M 38.37M -32.68016M
Total cash from financing activities 101.13M 144.87M 77.97M 24.88M -40.65586M
Change to operating activities - - - 5.13M 5.19M
Net income 10.52M 7.35M 13.00M 17.22M 20.11M
Change in cash 3.34M -8.68915M 0.53M 0.82M -4.80595M
Begin period cash flow 27.76M 36.45M 35.92M 35.10M 39.91M
End period cash flow 31.10M 27.76M 36.45M 35.92M 35.10M
Total cash from operating activities 21.74M 14.88M 22.32M 26.19M 29.51M
Issuance of capital stock - - - - -
Depreciation - 1.65M 1.95M 2.43M 2.10M
Other cashflows from investing activities -0.47513M -0.74029M -98.31780M -49.82497M 7.41M
Dividends paid 9.21M 10.09M 8.80M 8.60M 7.98M
Change to inventory - - - - -
Change to account receivables 8.76M 5.90M 2.35M 4.82M 5.40M
Sale purchase of stock - 0.00000M -1.00918M -4.88586M -4.88586M
Other cashflows from financing activities -1.19822M -1.09518M 87.78M 38.37M -32.68016M
Change to netincome - - - 2.25M 1.30M
Capital expenditures 0.62M 0.94M 1.45M 0.43M 1.07M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 2.84M -3.39346M 41.17M 20.40M 12.13M
Stock based compensation - - - - -
Other non cash items 18.91M 9.27M 7.38M 6.54M 7.30M
Free cash flow 21.12M 13.94M 20.87M 25.77M 28.44M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company 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		 -0.035 2.93% 1.16 11.60 21.98 2.51 1.65 8.53 12.92
ZIP
ZIP Co Ltd		 0.01 0.93% 1.62 19.84 14.06 1.65 3.07 3.61 10.93
LFG
Liberty Financial Group		 0.05 1.46% 3.48 7.15 6.56 1.70 0.90 9.61 0.11
LFS
Latitude Group Holdings Ltd		 - -% 0.95 11.88 - 1.83 0.81 6.48 13.52
PPM
Pepper Money Ltd		 -0.02 0.93% 2.12 9.30 10.18 2.42 1.17 45.96

Reports Covered

Stock Research & News

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Profile

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

FSA Group Ltd

1 Oxford Street, Darlinghurst, NSW, Australia, 2010

Key Executives

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

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