MyStateASX:MYS -0.84%64 FCF Margin % is 70.34% as of Dec. 2025, which is 164% above its 10-year median of 26.60. GuruFocus rates ASX:MYS with a GF Score™ of 64/100 and a GF Value™ of A$4.14 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,508 Banks companies, MyState ranks better than 65.19% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. MyState's Free Cash Flow for the
six
months ended in Dec. 2025 was A$85.7 Mil. MyState's Revenue for the
six
months ended in Dec. 2025 was A$121.8 Mil. Therefore, MyState's FCF Margin % for the quarter that ended in Dec. 2025 was 70.34%.
The historical rank and industry rank for MyState's FCF Margin % or its related term are showing as below:
ASX:MYS'
s FCF Margin % Range Over the Past 10 Years
Min: -91.74 Med: 26.6 Max: 103.93
Current: 36.43
During the past 13 years, the highest FCF Margin % of MyState was 103.93%. The lowest was -91.74%. And the median was 26.60%.
ASX:MYS's FCF Margin % is ranked better than 65.19% of 1508
companies
in the Banks industry
Industry Median: 26.5
vs ASX:MYS: 36.43
MyState FCF Margin % Related Terms
MyState FCF Margin % Historical Data
* Premium members only.
The historical data trend for MyState's FCF Margin % can be seen below:
* 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 Banks - Regional subindustry, MyState'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.
MyState FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MyState's FCF Margin % distribution charts can be found below:
* The bar in red indicates where MyState'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.
MyState (ASX:MYS) has a FCF Margin % of 70.34% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on MyState and its competitors. This is 164% above median its historical median of 26.60. According to the industry distribution chart, MyState ranks #525 out of 1508 companies in the Banks industry, placing it in the top 34.8%.
Is MyState's FCF Margin % too high?
MyState's current FCF Margin % of 70.34% is 164% above median its 10-year median of 26.60. The Banks industry median FCF Margin % is 26.50. MyState's value of 70.34% is 165.4% above this industry median. Based on the distribution chart, MyState ranks #525 out of 1508 companies in the Banks industry, which is above the industry midpoint. Overall, MyState has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MyState's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, MyState ranks #525 out of 1508 companies for FCF Margin %. This puts MyState in the upper half of its industry. The industry median FCF Margin % is 26.50. MyState's value of 70.34% is 165.4% above this benchmark. While the company's 10-year median is 26.60 vs. the industry median of 26.50, MyState has consistently been above 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,508 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. MyState's current FCF Margin % of 70.34% is 165.4% 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 MyState and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MyState's current FCF Margin % is 70.34%, which is 164% above median its own 10-year median of 26.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MyState stock overvalued right now?
Based on GuruFocus' analysis, MyState (ASX:MYS) is currently considered Modestly Overvalued. The stock's GF Value™ is A$4.14, compared to a current price of A$4.75 — trading 14.7% above its estimated fair value. The current FCF Margin % is 70.34%, which is 164% above median its 10-year median of 26.60 and 165.4% above the Banks industry median of 26.50. MyState's overall GF Score™ is 64/100 with 9 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 MyState (ASX:MYS), the current FCF Margin % is 70.34% 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 MyState (ASX:MYS) Overvalued in 2026?
Based on GuruFocus' analysis, MyState stock appears to be overvalued.
The current stock price of A$4.75 is trading 14.7% above its estimated GF Value™ of A$4.14.
GuruFocus considers MyState to be Modestly Overvalued.
Key valuation signals for ASX:MYS:
FCF Margin %: 70.34% (164% above median its 10-year median of 26.60)
GF Value™: A$4.14 vs. price of A$4.75 (14.7% above fair value)
Industry Position: 165.4% above the Banks median (#525 of 1508)
No single metric tells the full story. See the ASX:MYS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MyState Limited is a Tasmania-based financial company that provides banking, trustee, and funds management services. The company generates the vast majority of its profit from its banking business, which provides a range of financial services including home and personal loans, credit and debit cards, and equipment finance. Home loans account for the vast majority of its loan book. The funds management segment provides trustee and funds management services through the subsidiary TPT Wealth.
64GF Score
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