FSA Group Limited Logo

FSA Group Limited

FSA.AX

(2.0)
Stock Price

0,83 AUD

14.66% ROA

144.2% ROE

0.81x PER

Market Cap.

101.930.640,00 AUD

859.96% DER

8.33% Yield

124.28% NPM

FSA Group Limited Stock Analysis

FSA Group Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

FSA Group Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (16.62%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

3 ROA

The stock's ROA (2.14%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.44x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

5 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

6 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (5), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

7 DER

The stock is burdened with a heavy load of debt (606%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

FSA Group Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

FSA Group Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

FSA Group Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

FSA Group Limited Revenue
Year Revenue Growth
1998 0
1999 0 0%
2000 0 0%
2001 1.377.867 100%
2002 848.000 -62.48%
2003 10.952.133 92.26%
2004 13.657.572 19.81%
2005 13.922.109 1.9%
2006 21.411.167 34.98%
2007 33.476.178 36.04%
2008 0 0%
2009 39.654.452 100%
2010 38.473.602 -3.07%
2011 40.425.188 4.83%
2012 54.011.323 25.15%
2013 47.046.226 -14.8%
2014 65.465.843 28.14%
2015 62.314.735 -5.06%
2016 59.710.765 -4.36%
2017 72.041.578 17.12%
2018 66.391.060 -8.51%
2019 69.115.625 3.94%
2020 82.507.330 16.23%
2020 82.525.056 0.02%
2021 71.619.004 -15.23%
2022 70.252.255 -1.95%
2023 83.833.544 16.2%
2024 211.194.212 60.3%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

FSA Group Limited Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

FSA Group Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 783.183 100%
2002 728.000 -7.58%
2003 11.846.462 93.85%
2004 8.705.661 -36.08%
2005 8.168.722 -6.57%
2006 11.697.738 30.17%
2007 6.297.713 -85.75%
2008 6.338.276 0.64%
2009 9.146.148 30.7%
2010 9.919.351 7.79%
2011 9.754.301 -1.69%
2012 13.327.059 26.81%
2013 12.677.972 -5.12%
2014 8.776.168 -44.46%
2015 7.796.683 -12.56%
2016 7.984.477 2.35%
2017 9.821.088 18.7%
2018 6.720.917 -46.13%
2019 6.204.682 -8.32%
2020 25.864.902 76.01%
2020 25.864.902 0%
2021 18.223.085 -41.93%
2022 20.404.621 10.69%
2023 22.311.023 8.54%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

FSA Group Limited EBITDA
Year EBITDA Growth
1998 -102.000
1999 119.000 185.71%
2000 -227.000 152.42%
2001 -3.168.000 92.83%
2002 -1.164.000 -172.16%
2003 -523.483 -122.36%
2004 1.921.425 127.24%
2005 2.198.037 12.58%
2006 4.147.101 47%
2007 10.314.077 59.79%
2008 9.308.434 -10.8%
2009 23.622.720 60.6%
2010 24.479.484 3.5%
2011 31.898.601 23.26%
2012 32.287.741 1.21%
2013 32.364.527 0.24%
2014 -1.023.082 3263.43%
2015 -1.088.119 5.98%
2016 -1.090.679 0.23%
2017 -1.145.294 4.77%
2018 -1.046.642 -9.43%
2019 -4.375.945 76.08%
2020 38.723.666 111.3%
2020 39.738.950 2.55%
2021 41.995.820 5.37%
2022 41.102.650 -2.17%
2023 55.091.910 25.39%
2024 45.099.160 -22.16%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

FSA Group Limited Gross Profit
Year Gross Profit Growth
1998 0
1999 0 0%
2000 0 0%
2001 769.244 100%
2002 720.000 -6.84%
2003 10.512.184 93.15%
2004 13.657.572 23.03%
2005 13.922.109 1.9%
2006 21.411.167 34.98%
2007 33.476.178 36.04%
2008 0 0%
2009 39.654.452 100%
2010 38.473.602 -3.07%
2011 40.425.188 4.83%
2012 54.011.323 25.15%
2013 47.046.226 -14.8%
2014 76.895.394 38.82%
2015 59.602.101 -29.01%
2016 32.631.130 -82.65%
2017 41.397.739 21.18%
2018 34.210.262 -21.01%
2019 37.449.167 8.65%
2020 82.507.330 54.61%
2020 81.881.510 -0.76%
2021 69.520.463 -17.78%
2022 68.998.944 -0.76%
2023 82.584.576 16.45%
2024 103.365.960 20.1%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

FSA Group Limited Net Profit
Year Net Profit Growth
1998 -51.000
1999 115.000 144.35%
2000 -267.000 143.07%
2001 -3.729.000 92.84%
2002 -2.120.000 -75.9%
2003 -1.542.219 -37.46%
2004 1.205.481 227.93%
2005 1.302.008 7.41%
2006 2.546.164 48.86%
2007 6.519.690 60.95%
2008 2.681.116 -143.17%
2009 8.837.172 69.66%
2010 7.520.564 -17.51%
2011 8.995.715 16.4%
2012 8.527.891 -5.49%
2013 10.759.096 20.74%
2014 13.482.241 20.2%
2015 14.688.253 8.21%
2016 10.658.492 -37.81%
2017 15.116.886 29.49%
2018 12.606.597 -19.91%
2019 14.411.166 12.52%
2020 16.315.946 11.67%
2020 16.315.946 0%
2021 20.108.514 18.86%
2022 17.219.773 -16.78%
2023 12.996.146 -32.5%
2024 16.612.872 21.77%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

FSA Group Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

FSA Group Limited Free Cashflow
Year Free Cashflow Growth
2000 -177.000
2001 -2.238.338 92.09%
2002 -1.120.196 -99.82%
2003 -201.635 -455.56%
2004 2.763.588 107.3%
2005 865.769 -219.21%
2006 1.729.863 49.95%
2007 -1.499.505 215.36%
2008 -545.765 -174.75%
2009 2.159.225 125.28%
2010 1.970.602 -9.57%
2011 5.158.517 61.8%
2012 9.120.792 43.44%
2013 13.425.211 32.06%
2014 11.790.701 -13.86%
2015 10.722.134 -9.97%
2016 10.976.472 2.32%
2017 10.261.688 -6.97%
2018 14.050.305 26.96%
2019 16.991.447 17.31%
2020 17.843.101 4.77%
2021 28.441.022 37.26%
2022 25.766.884 -10.38%
2023 20.874.561 -23.44%
2024 9.688.211 -115.46%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

FSA Group Limited Operating Cashflow
Year Operating Cashflow Growth
2000 0
2001 -2.165.338 100%
2002 -1.097.196 -97.35%
2003 0 0%
2004 3.036.756 100%
2005 1.085.852 -179.67%
2006 2.186.351 50.33%
2007 -1.094.724 299.72%
2008 234.441 566.95%
2009 2.883.898 91.87%
2010 2.457.810 -17.34%
2011 5.640.627 56.43%
2012 9.390.722 39.93%
2013 13.965.576 32.76%
2014 12.031.804 -16.07%
2015 10.881.801 -10.57%
2016 11.223.158 3.04%
2017 10.640.508 -5.48%
2018 14.511.431 26.67%
2019 17.080.455 15.04%
2020 19.433.201 12.11%
2021 29.511.144 34.15%
2022 26.192.119 -12.67%
2023 22.322.691 -17.33%
2024 10.405.149 -114.54%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

FSA Group Limited Capital Expenditure
Year Capital Expenditure Growth
2000 177.000
2001 73.000 -142.47%
2002 23.000 -217.39%
2003 201.635 88.59%
2004 273.168 26.19%
2005 220.083 -24.12%
2006 456.488 51.79%
2007 404.781 -12.77%
2008 780.206 48.12%
2009 724.673 -7.66%
2010 487.208 -48.74%
2011 482.110 -1.06%
2012 269.930 -78.61%
2013 540.365 50.05%
2014 241.103 -124.12%
2015 159.667 -51%
2016 246.686 35.28%
2017 378.820 34.88%
2018 461.126 17.85%
2019 89.008 -418.07%
2020 1.590.100 94.4%
2021 1.070.122 -48.59%
2022 425.235 -151.65%
2023 1.448.130 70.64%
2024 716.938 -101.99%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

FSA Group Limited Equity
Year Equity Growth
1998 0
1999 0 0%
2000 7.253.000 100%
2001 3.185.562 -127.68%
2002 1.065.827 -198.88%
2003 1.923.520 44.59%
2004 3.139.418 38.73%
2005 4.591.426 31.62%
2006 11.927.134 61.5%
2007 18.903.941 36.91%
2008 22.562.851 16.22%
2009 32.068.466 29.64%
2010 44.749.490 28.34%
2011 54.564.463 17.99%
2012 57.530.319 5.16%
2013 58.759.180 2.09%
2014 64.950.455 9.53%
2015 71.370.806 9%
2016 76.759.149 7.02%
2017 83.264.846 7.81%
2018 46.790.463 -77.95%
2019 54.112.380 13.53%
2020 62.857.375 13.91%
2021 75.652.996 16.91%
2022 96.077.968 21.26%
2023 101.303.886 5.16%
2024 100.276.555 -1.02%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

FSA Group Limited Assets
Year Assets Growth
1998 0
1999 0 0%
2000 7.978.000 100%
2001 3.794.498 -110.25%
2002 2.368.740 -60.19%
2003 7.566.703 68.7%
2004 10.898.774 30.57%
2005 11.796.412 7.61%
2006 22.573.875 47.74%
2007 36.019.357 37.33%
2008 144.908.312 75.14%
2009 213.184.009 32.03%
2010 276.916.800 23.02%
2011 316.225.404 12.43%
2012 343.117.939 7.84%
2013 334.156.897 -2.68%
2014 338.820.253 1.38%
2015 369.236.614 8.24%
2016 376.070.668 1.82%
2017 435.546.901 13.66%
2018 449.250.871 3.05%
2019 488.805.815 8.09%
2020 547.211.286 10.67%
2021 527.184.927 -3.8%
2022 627.067.970 15.93%
2023 721.150.826 13.05%
2024 870.251.591 17.13%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

FSA Group Limited Liabilities
Year Liabilities Growth
1998 0
1999 0 0%
2000 725.000 100%
2001 608.936 -19.06%
2002 1.302.913 53.26%
2003 5.643.183 76.91%
2004 7.759.356 27.27%
2005 7.204.986 -7.69%
2006 10.646.741 32.33%
2007 17.371.651 38.71%
2008 122.345.461 85.8%
2009 181.115.543 32.45%
2010 232.167.310 21.99%
2011 261.660.941 11.27%
2012 285.587.620 8.38%
2013 275.397.717 -3.7%
2014 273.869.798 -0.56%
2015 297.865.808 8.06%
2016 299.311.519 0.48%
2017 352.282.055 15.04%
2018 402.460.408 12.47%
2019 434.693.435 7.42%
2020 484.353.912 10.25%
2021 451.531.931 -7.27%
2022 530.990.002 14.96%
2023 619.846.940 14.34%
2024 769.975.036 19.5%

FSA Group Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.83
Net Income per Share
1.03
Price to Earning Ratio
0.81x
Price To Sales Ratio
1.01x
POCF Ratio
6.85
PFCF Ratio
7.31
Price to Book Ratio
1.17
EV to Sales
8.22
EV Over EBITDA
65.65
EV to Operating CashFlow
55.8
EV to FreeCashFlow
59.57
Earnings Yield
1.23
FreeCashFlow Yield
0.14
Market Cap
0,10 Bil.
Enterprise Value
0,83 Bil.
Graham Number
4.09
Graham NetNet
-6.04

Income Statement Metrics

Net Income per Share
1.03
Income Quality
2.03
ROE
1.44
Return On Assets
0.14
Return On Capital Employed
0.02
Net Income per EBT
16.82
EBT Per Ebit
0.55
Ebit per Revenue
0.13
Effective Tax Rate
0.32

Margins

Sales, General, & Administrative to Revenue
0.12
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.5
Operating Profit Margin
0.13
Pretax Profit Margin
0.07
Net Profit Margin
1.24

Dividends

Dividend Yield
0.08
Dividend Yield %
8.33
Payout Ratio
0.07
Dividend Per Share
0.07

Operating Metrics

Operating Cashflow per Share
0.12
Free CashFlow per Share
0.11
Capex to Operating CashFlow
0.06
Capex to Revenue
0.01
Capex to Depreciation
0.57
Return on Invested Capital
0.01
Return on Tangible Assets
0.15
Days Sales Outstanding
41.98
Days Payables Outstanding
4.6
Days of Inventory on Hand
0
Receivables Turnover
8.7
Payables Turnover
79.31
Inventory Turnover
0
Capex per Share
0.01

Balance Sheet

Cash per Share
0,23
Book Value per Share
0,83
Tangible Book Value per Share
0.71
Shareholders Equity per Share
0.72
Interest Debt per Share
6.17
Debt to Equity
8.6
Debt to Assets
0.86
Net Debt to EBITDA
57.59
Current Ratio
1.83
Tangible Asset Value
0,09 Bil.
Net Current Asset Value
-0,75 Bil.
Invested Capital
30538399
Working Capital
0,01 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
7.35

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

FSA Group Limited Dividends
Year Dividends Growth
2011 0
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

FSA Group Limited Profile

About FSA Group Limited

FSA Group Limited, together with its subsidiaries, provides debt solutions and direct lending services to individuals and businesses in Australia. The company operates in Services and Lending segments. The Services segment offers informal arrangements, debt agreement, personal insolvency agreement, and bankruptcy services. The Lending segment provides home loans and personal loans to clients to purchase a property and motor vehicle, as well as consolidate their debt. This segment also offers asset finance to small and medium enterprises to purchase a vehicle and business-critical equipment. The company also provides accounting and taxation services. FSA Group Limited was incorporated in 2000 and is headquartered in Darlinghurst, Australia.

CEO
Mr. Tim Odillo Maher
Employee
96
Address
1 Oxford Street
Darlinghurst, 2010

FSA Group Limited Executives & BODs

FSA Group Limited Executives & BODs
# Name Age
1 Ms. Cellina Z. Chen
Chief Financial Officer, Company Secretary & Executive Director
70
2 Mr. Tim Odillo Maher
Executive Chairman
70
3 Ms. Deborah Southon
Executive Director
70

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