Austriacard Holdings AGATH:ACAG 88 FCF Margin % is 12.53% as of Dec. 2025, which is 142% above its 10-year median of 5.18. GuruFocus rates ATH:ACAG with a GF Score™ of 88/100 and a GF Value™ of €6.05 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 2,811 Software companies, Austriacard Holdings AG ranks better than 62.75% on this metric.
* 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.
ATH:ACAG vs IBM, ACN, FISV: FCF Margin % Comparison
For the Information Technology Services subindustry, Austriacard Holdings AG'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.
Austriacard Holdings AG FCF Margin % vs Software Industry
For the Software industry and Technology sector, Austriacard Holdings AG's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Austriacard Holdings AG'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.
Austriacard Holdings AG (ATH:ACAG) has a FCF Margin % of 12.53% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Austriacard Holdings AG and its competitors. This is 142% above median its historical median of 5.18. According to the industry distribution chart, Austriacard Holdings AG ranks #1047 out of 2811 companies in the Software industry, placing it in the top 37.2%.
Is Austriacard Holdings AG's FCF Margin % too high?
Austriacard Holdings AG's current FCF Margin % of 12.53% is 142% above median its 10-year median of 5.18. The Software industry median FCF Margin % is 2.48. Austriacard Holdings AG's value of 12.53% is 405.2% above this industry median. Based on the distribution chart, Austriacard Holdings AG ranks #1047 out of 2811 companies in the Software industry, which is above the industry midpoint. Overall, Austriacard Holdings AG has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Austriacard Holdings AG's FCF Margin % compare to IBM and ACN?
According to the Software industry distribution chart, Austriacard Holdings AG ranks #1047 out of 2811 companies for FCF Margin %. This puts Austriacard Holdings AG in the upper half of its industry. The industry median FCF Margin % is 2.48. Austriacard Holdings AG's value of 12.53% is 405.2% above this benchmark. While the company's 10-year median is 5.18 vs. the industry median of 2.48, Austriacard Holdings AG 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 Software company?
The median FCF Margin % among Software companies is 2.48, based on 2,811 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. Austriacard Holdings AG's current FCF Margin % of 12.53% is 405.2% 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 Austriacard Holdings AG and its competitors. For the Software industry, the median FCF Margin % is 2.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Austriacard Holdings AG's current FCF Margin % is 12.53%, which is 142% above median its own 10-year median of 5.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Austriacard Holdings AG stock overvalued right now?
Based on GuruFocus' analysis, Austriacard Holdings AG (ATH:ACAG) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.05, compared to a current price of €9.74 — trading 61% above its estimated fair value. The current FCF Margin % is 12.53%, which is 142% above median its 10-year median of 5.18 and 405.2% above the Software industry median of 2.48. Austriacard Holdings AG's overall GF Score™ is 88/100 with 6 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 Austriacard Holdings AG (ATH:ACAG), the current FCF Margin % is 12.53% 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 Austriacard Holdings AG (ATH:ACAG) Overvalued in 2026?
Based on GuruFocus' analysis, Austriacard Holdings AG stock appears to be overvalued.
The current stock price of €9.74 is trading 61% above its estimated GF Value™ of €6.05.
GuruFocus considers Austriacard Holdings AG to be Significantly Overvalued.
Key valuation signals for ATH:ACAG:
FCF Margin %: 12.53% (142% above median its 10-year median of 5.18)
GF Value™: €6.05 vs. price of €9.74 (61% above fair value)
Industry Position: 405.2% above the Software median (#1047 of 2811)
No single metric tells the full story. See the ATH:ACAG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Austriacard Holdings AG is a holistic applied technology company powered by artificial intelligence (AI). The Group's portfolio includes a wide range of solutions that demonstrate synergies across product lines. These include Identity & Payment Solutions, Digital Technologies, and Document Lifecycle Management. These solutions are offered to financial institutions, public and private sectors. The Group is now organized into three geographic segments: Central, Eastern Europe and DACH (CEE); Western Europe, Nordics and Americas (WEST); and Turkiye, Middle East and Africa (MEA). It derives maximum revenue from Central, Eastern Europe and DACH (CEE) segment. The solutions include: Payment Cards & Services, eGovernment & Authentication, Document Lifecycle Management, Book on Demand and Others.
88GF 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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