I have 3 frameworks I kind of know how to use but am not very confident with a credit services firm like FSA Group. Does anyone know what a good framework is for a company like this?

What thresholds would you use for operating income as return on capital employed, free cash flow as return on capital employed? Does the latter even matter? For banks it doesn't. How would we measure growth? Usually I use growth in free cash flow per fully diluted share, same for operating income, book value and tangible book value. The benchmark for these that I've been taught is they have to keep up with inflation. 

I am curious about these things as FSA Group seems like a genuinely strong business with long term decent growth and return on capital. 

I just don't want to get sucked in by this an forget that usually financial services businesses aren't great.