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PSG Financial ServicesNAM:KFS +4.35%78 3-Year FCF Growth Rate is 0.70% as of Feb. 2026, which is 90% below its 10-year median of 7.15. GuruFocus rates NAM:KFS with a GF Score™ of 78/100 and a GF Value™ of R19.97 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,005 Asset Management companies, PSG Financial Services ranks worse than 55.62% on this metric.
During the past 12 months, PSG Financial Services's average Free Cash Flow per Share Growth Rate was -45.20% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 0.70% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 7.50% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was 20.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of PSG Financial Services was 104.00% per year. The lowest was -60.30% per year. And the median was 7.15% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
PSG Financial Services 3-Year FCF Growth Rate Related Terms
NAM:KFS vs BLK, BX, KKR: 3-Year FCF Growth Rate Comparison
For the Asset Management subindustry, PSG Financial Services's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PSG Financial Services 3-Year FCF Growth Rate vs Asset Management Industry
For the Asset Management industry and Financial Services sector, PSG Financial Services's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where PSG Financial Services's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
PSG Financial Services (NAM:KFS) has a 3-Year FCF Growth Rate of 0.70% as of Feb. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for PSG Financial Services and its competitors. This is 90% below median its historical median of 7.15. According to the industry distribution chart, PSG Financial Services ranks #559 out of 1005 companies in the Asset Management industry, placing it in the top 55.6%.
Is PSG Financial Services' 3-Year FCF Growth Rate too high?
PSG Financial Services' current 3-Year FCF Growth Rate of 0.70% is 90% below median its 10-year median of 7.15. The Asset Management industry median 3-Year FCF Growth Rate is 5.00. PSG Financial Services' value of 0.70% is 86% below this industry median. Based on the distribution chart, PSG Financial Services ranks #559 out of 1005 companies in the Asset Management industry, which is below the industry midpoint. Overall, PSG Financial Services has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PSG Financial Services' 3-Year FCF Growth Rate compare to BLK and BX?
According to the Asset Management industry distribution chart, PSG Financial Services ranks #559 out of 1005 companies for 3-Year FCF Growth Rate. This places PSG Financial Services in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 5.00. PSG Financial Services' value of 0.70% is 86% below this benchmark. While the company's 10-year median is 7.15 vs. the industry median of 5.00, PSG Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for an Asset Management company?
The median 3-Year FCF Growth Rate among Asset Management companies is 5.00, based on 1,005 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PSG Financial Services's current 3-Year FCF Growth Rate of 0.70% is 86% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for PSG Financial Services and its competitors. For the Asset Management industry, the median 3-Year FCF Growth Rate is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PSG Financial Services's current 3-Year FCF Growth Rate is 0.70%, which is 90% below median its own 10-year median of 7.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PSG Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PSG Financial Services (NAM:KFS) is currently considered Significantly Overvalued. The stock's GF Value™ is R19.97, compared to a current price of R32.77 — trading 64.1% above its estimated fair value. The current 3-Year FCF Growth Rate is 0.70%, which is 90% below median its 10-year median of 7.15 and 86% below the Asset Management industry median of 5.00. PSG Financial Services' overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For PSG Financial Services (NAM:KFS), the current 3-Year FCF Growth Rate is 0.70% as of Feb. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PSG Financial Services (NAM:KFS) Overvalued in 2026?
Based on GuruFocus' analysis, PSG Financial Services stock appears to be overvalued.
The current stock price of R32.77 is trading 64.1% above its estimated GF Value™ of R19.97.
GuruFocus considers PSG Financial Services to be Significantly Overvalued.
Key valuation signals for NAM:KFS:
3-Year FCF Growth Rate: 0.70% (90% below median its 10-year median of 7.15)
GF Value™: R19.97 vs. price of R32.77 (64.1% above fair value)
Industry Position: 86% below the Asset Management median (#559 of 1005)
No single metric tells the full story. See the NAM:KFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PSG Financial Services Ltd is an independent financial services company. Business is executed through three operating divisions: PSG Wealth, PSG Asset Management, and PSG Insure. PSG Wealth provides the group with nearly half of its income, with PSG Insure outweighing PSG Asset Management. Through the Wealth unit, PSG delivers a comprehensive suite of products to individuals, families, and businesses. Some of the PSG Wealth offerings include investment products, stockbroking, estate and trust services, and many other related products. PSG is structured into three segments which are PSG Wealth, generating income from managed and platform assets; PSG Asset Management, deriving income from assets under management; PSG Insure, earning income from premiums and underwriting.
78GF Score
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