FSA Group Limited Logo

FSA Group Limited

FSA.AX

(2.0)
Stock Price

0,83 AUD

1.85% ROA

9.37% ROE

8.98x PER

Market Cap.

115.885.430,00 AUD

681.77% DER

7.33% Yield

9.18% 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
1997 0
1998 0 0%
1999 0 0%
2000 1.377.867 100%
2001 848.000 -62.48%
2002 10.952.133 92.26%
2003 13.657.572 19.81%
2004 13.922.109 1.9%
2005 21.411.167 34.98%
2006 33.476.178 36.04%
2007 0 0%
2008 39.654.452 100%
2009 38.473.602 -3.07%
2010 40.425.188 4.83%
2011 54.011.323 25.15%
2012 47.046.226 -14.8%
2013 76.895.394 38.82%
2014 59.602.101 -29.01%
2015 53.078.296 -12.29%
2016 59.100.468 10.19%
2017 61.648.527 4.13%
2018 86.849.506 29.02%
2019 82.507.330 -5.26%
2020 82.507.330 0%
2020 71.613.481 -15.21%
2021 70.241.849 -1.95%
2022 48.551.456 -44.68%

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
1997 0
1998 0 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%

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
1997 0
1998 0 0%
1999 0 0%
2000 783.183 100%
2001 728.000 -7.58%
2002 11.846.462 93.85%
2003 8.705.661 -36.08%
2004 8.168.722 -6.57%
2005 11.697.738 30.17%
2006 6.297.713 -85.75%
2007 6.338.276 0.64%
2008 9.146.148 30.7%
2009 9.919.351 7.79%
2010 9.754.301 -1.69%
2011 13.327.059 26.81%
2012 12.677.972 -5.12%
2013 8.776.168 -44.46%
2014 8.803.755 0.31%
2015 7.984.477 -10.26%
2016 9.821.088 18.7%
2017 9.850.208 0.3%
2018 6.204.682 -58.75%
2019 25.864.902 76.01%
2020 25.864.902 0%
2020 18.223.085 -41.93%
2021 20.404.621 10.69%
2022 21.139.972 3.48%

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
1997 -102.000
1998 119.000 185.71%
1999 -227.000 152.42%
2000 -3.168.000 92.83%
2001 -1.164.000 -172.16%
2002 -523.483 -122.36%
2003 1.921.425 127.24%
2004 2.198.037 12.58%
2005 4.147.101 47%
2006 10.314.077 59.79%
2007 9.308.434 -10.8%
2008 23.622.720 60.6%
2009 24.479.484 3.5%
2010 31.898.601 23.26%
2011 32.287.741 1.21%
2012 32.364.527 0.24%
2013 33.180.278 2.46%
2014 35.052.460 5.34%
2015 28.519.090 -22.91%
2016 35.902.884 20.57%
2017 40.688.871 11.76%
2018 39.765.514 -2.32%
2019 39.738.937 -0.07%
2020 38.723.666 -2.62%
2020 40.841.066 5.18%
2021 40.199.043 -1.6%
2022 14.818.604 -171.27%

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
1997 0
1998 0 0%
1999 0 0%
2000 769.244 100%
2001 720.000 -6.84%
2002 10.512.184 93.15%
2003 13.657.572 23.03%
2004 13.922.109 1.9%
2005 21.411.167 34.98%
2006 33.476.178 36.04%
2007 0 0%
2008 39.654.452 100%
2009 38.473.602 -3.07%
2010 40.425.188 4.83%
2011 54.011.323 25.15%
2012 47.046.226 -14.8%
2013 76.895.394 38.82%
2014 59.602.101 -29.01%
2015 53.078.296 -12.29%
2016 59.100.468 10.19%
2017 61.648.527 4.13%
2018 86.849.506 29.02%
2019 82.507.330 -5.26%
2020 82.507.330 0%
2020 71.613.481 -15.21%
2021 70.241.849 -1.95%
2022 48.551.456 -44.68%

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
1997 -51.000
1998 115.000 144.35%
1999 -267.000 143.07%
2000 -3.729.000 92.84%
2001 -2.120.000 -75.9%
2002 -1.542.219 -37.46%
2003 1.205.481 227.93%
2004 1.302.008 7.41%
2005 2.546.164 48.86%
2006 6.519.690 60.95%
2007 2.681.116 -143.17%
2008 8.837.172 69.66%
2009 7.520.564 -17.51%
2010 8.995.715 16.4%
2011 8.527.891 -5.49%
2012 10.759.096 20.74%
2013 13.482.241 20.2%
2014 14.688.253 8.21%
2015 13.478.685 -8.97%
2016 15.116.886 10.84%
2017 16.118.737 6.22%
2018 14.411.166 -11.85%
2019 16.315.946 11.67%
2020 16.315.946 0%
2020 20.108.514 18.86%
2021 17.219.773 -16.78%
2022 10.012.536 -71.98%

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
1997 0
1998 0 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%

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
1999 -177.000
2000 -2.238.338 92.09%
2001 -1.120.196 -99.82%
2002 -201.635 -455.56%
2003 2.763.588 107.3%
2004 865.769 -219.21%
2005 1.729.863 49.95%
2006 -1.499.505 215.36%
2007 -545.765 -174.75%
2008 2.159.225 125.28%
2009 1.970.602 -9.57%
2010 5.158.517 61.8%
2011 9.120.792 43.44%
2012 13.425.211 32.06%
2013 11.339.956 -18.39%
2014 10.498.751 -8.01%
2015 8.307.315 -26.38%
2016 9.090.459 8.62%
2017 -1.099.909 926.47%
2018 16.420.913 106.7%
2019 17.843.101 7.97%
2020 28.441.022 37.26%
2021 25.766.884 -10.38%
2022 7.140.522 -260.85%

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
1999 0
2000 -2.165.338 100%
2001 -1.097.196 -97.35%
2002 0 0%
2003 3.036.756 100%
2004 1.085.852 -179.67%
2005 2.186.351 50.33%
2006 -1.094.724 299.72%
2007 234.441 566.95%
2008 2.883.898 91.87%
2009 2.457.810 -17.34%
2010 5.640.627 56.43%
2011 9.390.722 39.93%
2012 13.965.576 32.76%
2013 12.031.804 -16.07%
2014 10.881.801 -10.57%
2015 11.223.158 3.04%
2016 10.640.508 -5.48%
2017 0 0%
2018 17.080.455 100%
2019 19.433.201 12.11%
2020 29.511.144 34.15%
2021 26.192.119 -12.67%
2022 7.179.818 -264.8%

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
1999 177.000
2000 73.000 -142.47%
2001 23.000 -217.39%
2002 201.635 88.59%
2003 273.168 26.19%
2004 220.083 -24.12%
2005 456.488 51.79%
2006 404.781 -12.77%
2007 780.206 48.12%
2008 724.673 -7.66%
2009 487.208 -48.74%
2010 482.110 -1.06%
2011 269.930 -78.61%
2012 540.365 50.05%
2013 691.848 21.9%
2014 383.050 -80.62%
2015 2.915.843 86.86%
2016 1.550.049 -88.11%
2017 1.099.909 -40.93%
2018 659.542 -66.77%
2019 1.590.100 58.52%
2020 1.070.122 -48.59%
2021 425.235 -151.65%
2022 39.296 -982.13%

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
1997 0
1998 0 0%
1999 7.253.000 100%
2000 3.185.562 -127.68%
2001 1.065.827 -198.88%
2002 1.923.520 44.59%
2003 3.139.418 38.73%
2004 4.591.426 31.62%
2005 11.660.725 60.62%
2006 18.335.636 36.4%
2007 21.471.738 14.61%
2008 30.517.875 29.64%
2009 42.646.026 28.44%
2010 51.723.198 17.55%
2011 54.923.286 5.83%
2012 56.266.058 2.39%
2013 62.605.230 10.13%
2014 69.162.462 9.48%
2015 74.510.126 7.18%
2016 80.870.529 7.86%
2017 90.973.742 11.11%
2018 54.112.380 -68.12%
2019 62.857.375 13.91%
2020 75.652.996 16.91%
2021 96.077.968 21.26%
2022 101.303.886 5.16%

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
1997 0
1998 0 0%
1999 7.978.000 100%
2000 3.794.498 -110.25%
2001 2.368.740 -60.19%
2002 7.566.703 68.7%
2003 10.898.774 30.57%
2004 11.796.412 7.61%
2005 22.573.875 47.74%
2006 36.019.357 37.33%
2007 144.908.312 75.14%
2008 213.184.009 32.03%
2009 276.916.800 23.02%
2010 316.225.404 12.43%
2011 343.117.939 7.84%
2012 334.156.897 -2.68%
2013 338.820.253 1.38%
2014 369.276.322 8.25%
2015 382.724.848 3.51%
2016 435.546.901 12.13%
2017 509.847.287 14.57%
2018 488.805.815 -4.3%
2019 541.494.505 9.73%
2020 521.941.845 -3.75%
2021 622.443.220 16.15%
2022 717.218.528 13.21%

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
1997 0
1998 0 0%
1999 725.000 100%
2000 608.936 -19.06%
2001 1.302.913 53.26%
2002 5.643.183 76.91%
2003 7.759.356 27.27%
2004 7.204.986 -7.69%
2005 10.646.741 32.33%
2006 17.371.651 38.71%
2007 122.345.461 85.8%
2008 181.115.543 32.45%
2009 232.167.310 21.99%
2010 261.660.941 11.27%
2011 285.587.620 8.38%
2012 275.397.717 -3.7%
2013 273.869.798 -0.56%
2014 297.905.516 8.07%
2015 305.965.699 2.63%
2016 352.282.055 13.15%
2017 418.873.545 15.9%
2018 434.693.435 3.64%
2019 478.637.130 9.18%
2020 446.288.849 -7.25%
2021 526.365.252 15.21%
2022 615.914.642 14.54%

FSA Group Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
0.45
Net Income per Share
0.11
Price to Earning Ratio
8.98x
Price To Sales Ratio
2.12x
POCF Ratio
5.23
PFCF Ratio
5.23
Price to Book Ratio
1.33
EV to Sales
12.79
EV Over EBITDA
36.5
EV to Operating CashFlow
31.34
EV to FreeCashFlow
31.59
Earnings Yield
0.11
FreeCashFlow Yield
0.19
Market Cap
0,12 Bil.
Enterprise Value
0,70 Bil.
Graham Number
1.31
Graham NetNet
-4.82

Income Statement Metrics

Net Income per Share
0.11
Income Quality
1.72
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.63
EBT Per Ebit
0.69
Ebit per Revenue
0.21
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.41
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.54
Operating Profit Margin
0.21
Pretax Profit Margin
0.15
Net Profit Margin
0.09

Dividends

Dividend Yield
0.07
Dividend Yield %
7.33
Payout Ratio
0.66
Dividend Per Share
0.07

Operating Metrics

Operating Cashflow per Share
0.18
Free CashFlow per Share
0.18
Capex to Operating CashFlow
-0.01
Capex to Revenue
-0
Capex to Depreciation
-0.09
Return on Invested Capital
0.02
Return on Tangible Assets
0.02
Days Sales Outstanding
94.04
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
3.88
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0

Balance Sheet

Cash per Share
0,13
Book Value per Share
0,72
Tangible Book Value per Share
0.71
Shareholders Equity per Share
0.72
Interest Debt per Share
4.91
Debt to Equity
6.82
Debt to Assets
0.84
Net Debt to EBITDA
30.45
Current Ratio
2.27
Tangible Asset Value
0,09 Bil.
Net Current Asset Value
-0,59 Bil.
Invested Capital
6.82
Working Capital
0,02 Bil.
Intangibles to Total Assets
0.02
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
5.18

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%

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
106
Address
1 Oxford Street
Darlinghurst, 2010

FSA Group Limited Executives & BODs

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

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