* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Liberty Financial Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
Liberty Financial Group FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Liberty Financial Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Liberty Financial Group's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Liberty Financial Group (ASX:LFG) has a FCF Margin % of 24.29% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Liberty Financial Group and its competitors. According to the industry distribution chart, Liberty Financial Group ranks #78 out of 531 companies in the Credit Services industry, placing it in the top 14.7%.
Is Liberty Financial Group's FCF Margin % too high?
Liberty Financial Group's current FCF Margin % is 24.29%. The Credit Services industry median FCF Margin % is 0.24. Liberty Financial Group's value of 24.29% is 10020.8% above this industry median. Based on the distribution chart, Liberty Financial Group ranks #78 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Liberty Financial Group has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Liberty Financial Group's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Liberty Financial Group ranks #78 out of 531 companies for FCF Margin %. This places Liberty Financial Group in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Liberty Financial Group's value of 24.29% is 10020.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liberty Financial Group's current FCF Margin % of 24.29% is 10020.8% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Liberty Financial Group and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liberty Financial Group's current FCF Margin % is 24.29%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liberty Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Liberty Financial Group (ASX:LFG) is currently considered Significantly Undervalued. The stock's GF Value™ is A$5.67, compared to a current price of A$3.23 — trading 43% below its estimated fair value. The current FCF Margin % is 24.29% and 10020.8% above the Credit Services industry median of 0.24. Liberty Financial Group's overall GF Score™ is 58/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Liberty Financial Group (ASX:LFG), the current FCF Margin % is 24.29% as of Dec. 2025. 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 Liberty Financial Group (ASX:LFG) Overvalued in 2026?
Based on GuruFocus' analysis, Liberty Financial Group stock appears to be undervalued.
The current stock price of A$3.23 is trading 43% below its estimated GF Value™ of A$5.67.
GuruFocus considers Liberty Financial Group to be Significantly Undervalued.
Key valuation signals for ASX:LFG:
FCF Margin %: 24.29%
GF Value™: A$5.67 vs. price of A$3.23 (43% below fair value)
Industry Position: 10020.8% above the Credit Services median (#78 of 531)
No single metric tells the full story. See the ASX:LFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1997, Liberty Financial Group is a nonbank lender operating in Australia and New Zealand. Unlike banks, nonbanks are unable to take customer deposits, a privilege exclusive to Authorized deposit-taking institutions, or ADIs. Liberty operates three business segments: residential, secured finance, and financial services. Mortgages make up about 52% of the loan book, with a focus on higher-risk borrowers. Secured finance makes up 41% of loans, including motor finance, commercial property loans, and self-managed superannuation fund loans. The financial services division includes unsecured personal and small and midsize business loans, mortgage broking, and distribution of general and life insurance.
58GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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