U Consumer Finance (CAI:VALU) FCF Margin %: -148.68% (As of Dec. 2025)

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CAI:VALU U Consumer Finance CAI:VALU
28 GF Score
Price E£10.80
! 6 Warning Signs
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What is U Consumer Finance FCF Margin %?

U Consumer Finance CAI:VALU -2.09% 28 FCF Margin % is -148.68% as of Dec. 2025. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 538 Credit Services companies, U Consumer Finance ranks worse than 86.62% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. U Consumer Finance's Free Cash Flow for the three months ended in Dec. 2025 was E£-2,357 Mil. U Consumer Finance's Revenue for the three months ended in Dec. 2025 was E£1,586 Mil. Therefore, U Consumer Finance's FCF Margin % for the quarter that ended in Dec. 2025 was -148.68%.

As of today, U Consumer Finance's current FCF Yield % is -35.61%.

The historical rank and industry rank for U Consumer Finance's FCF Margin % or its related term are showing as below:

CAI:VALU' s FCF Margin % Range Over the Past 10 Years
Min: -302.8   Med: -255.55   Max: -144.18
Current: -144.18

During the past 3 years, the highest FCF Margin % of U Consumer Finance was -144.18%. The lowest was -302.80%. And the median was -255.55%.

CAI:VALU's FCF Margin % is ranked worse than
86.62% of 538 companies
in the Credit Services industry
Industry Median: -0.31 vs CAI:VALU: -144.18

U Consumer Finance FCF Margin % Related Terms

U Consumer Finance FCF Margin % Historical Data

* Premium members only.

The historical data trend for U Consumer Finance'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.

U Consumer Finance FCF Margin % Chart

U Consumer Finance Annual Data
Trend Dec23 Dec24 Dec25
FCF Margin %
-302.80 -255.55 -144.18

U Consumer Finance Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
FCF Margin % Get a 7-Day Free Trial Premium Member Only -260.61 -143.70 -130.91 -153.67 -148.68

CAI:VALU vs V, MA, AXP: FCF Margin % Comparison

For the Credit Services subindustry, U Consumer Finance'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.

U Consumer Finance FCF Margin % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, U Consumer Finance's FCF Margin % distribution charts can be found below:

* The bar in red indicates where U Consumer Finance's FCF Margin % falls into.


CAI:VALU
28GF Score
U Consumer Finance CAI:VALU
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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U Consumer Finance FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

U Consumer Finance's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-8099.676/5617.594
=-144.18 %

U Consumer Finance's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-2357.413/1585.525
=-148.68 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -148.68% mean?
U Consumer Finance (CAI:VALU) has a FCF Margin % of -148.68% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on U Consumer Finance and its competitors. According to the industry distribution chart, U Consumer Finance ranks #466 out of 538 companies in the Credit Services industry, placing it in the top 86.6%.
Is U Consumer Finance's FCF Margin % too high?
U Consumer Finance's current FCF Margin % is -148.68%. Based on the distribution chart, U Consumer Finance ranks #466 out of 538 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #466 out of 538 companies for FCF Margin %. This places U Consumer Finance in the lower half of its industry. 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?
A good FCF Margin % depends on the Credit Services industry context. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 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 U Consumer Finance and its competitors. U Consumer Finance's current FCF Margin % is -148.68%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current FCF Margin % of -148.68%. The current FCF Margin % is -148.68%. U Consumer Finance's overall GF Score™ is 28/100 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 U Consumer Finance (CAI:VALU), the current FCF Margin % is -148.68% 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.

U Consumer Finance Business Description

Address Arkan Plaza, First floor Unit AW-417, Al Sheikh Zayed city, EGY
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score

Get the complete analysis for CAI:VALU

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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