PayPointCHIX:PAYL +3.96%82 FCF Margin % is 5.07% as of Mar. 2026, which is 71% below its 10-year median of 17.65. GuruFocus rates CHIX:PAYL with a GF Score™ of 82/100 and a GF Value™ of £7.24 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 2,815 Software companies, PayPoint ranks better than 93.75% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PayPoint's Free Cash Flow for the
six
months ended in Mar. 2026 was £9.8 Mil. PayPoint's Revenue for the
six
months ended in Mar. 2026 was £192.9 Mil. Therefore, PayPoint's FCF Margin % for the quarter that ended in Mar. 2026 was 5.07%.
The historical rank and industry rank for PayPoint's FCF Margin % or its related term are showing as below:
CHIX:PAYl'
s FCF Margin % Range Over the Past 10 Years
Min: 1.81 Med: 17.65 Max: 33.98
Current: 29.8
During the past 13 years, the highest FCF Margin % of PayPoint was 33.98%. The lowest was 1.81%. And the median was 17.65%.
CHIX:PAYl's FCF Margin % is ranked better than 93.75% of 2815
companies
in the Software industry
Industry Median: 2.41
vs CHIX:PAYl: 29.80
PayPoint FCF Margin % Related Terms
PayPoint FCF Margin % Historical Data
* Premium members only.
The historical data trend for PayPoint'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.
CHIX:PAYL vs MSFT, ORCL, PLTR: FCF Margin % Comparison
For the Software - Infrastructure subindustry, PayPoint'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.
PayPoint FCF Margin % vs Software Industry
For the Software industry and Technology sector, PayPoint's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PayPoint'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.
PayPoint (CHIX:PAYL) has a FCF Margin % of 5.07% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PayPoint and its competitors. This is 71% below median its historical median of 17.65. Over the past decade, PayPoint's FCF Margin % has ranged from 1.81 to 33.98. According to the industry distribution chart, PayPoint ranks #176 out of 2815 companies in the Software industry, placing it in the top 6.3%.
Is PayPoint's FCF Margin % too high?
PayPoint's current FCF Margin % of 5.07% is 71% below median its 10-year median of 17.65. Over the past 10 years, this metric has ranged from a low of 1.81 to a high of 33.98. The Software industry median FCF Margin % is 2.41. PayPoint's value of 5.07% is 110.4% above this industry median. Based on the distribution chart, PayPoint ranks #176 out of 2815 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PayPoint has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPoint's FCF Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, PayPoint ranks #176 out of 2815 companies for FCF Margin %. This places PayPoint in the top 6% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 2.41. PayPoint's value of 5.07% is 110.4% above this benchmark. Historically, PayPoint's own FCF Margin % has ranged from 1.81 to 33.98 over the past decade. While the company's 10-year median is 17.65 vs. the industry median of 2.41, PayPoint 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 2.41, based on 2,815 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. PayPoint's current FCF Margin % of 5.07% is 110.4% 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 PayPoint and its competitors. For the Software industry, the median FCF Margin % is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PayPoint's current FCF Margin % is 5.07%, which is 71% below median its own 10-year median of 17.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PayPoint stock overvalued right now?
Based on GuruFocus' analysis, PayPoint (CHIX:PAYL) is currently considered Modestly Undervalued. The stock's GF Value™ is £7.24, compared to a current price of £5.90 — trading 18.5% below its estimated fair value. The current FCF Margin % is 5.07%, which is 71% below median its 10-year median of 17.65 and 110.4% above the Software industry median of 2.41. PayPoint's overall GF Score™ is 82/100 with 5 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 PayPoint (CHIX:PAYL), the current FCF Margin % is 5.07% as of Mar. 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 PayPoint (CHIX:PAYL) Overvalued in 2026?
Based on GuruFocus' analysis, PayPoint stock appears to be undervalued.
The current stock price of £5.90 is trading 18.5% below its estimated GF Value™ of £7.24.
GuruFocus considers PayPoint to be Modestly Undervalued.
Key valuation signals for CHIX:PAYL:
FCF Margin %: 5.07% (71% below median its 10-year median of 17.65)
GF Value™: £7.24 vs. price of £5.90 (18.5% below fair value)
Industry Position: 110.4% above the Software median (#176 of 2815)
No single metric tells the full story. See the CHIX:PAYL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PayPoint PLC is a United Kingdom-based company that provides consumer transaction services. The company's solutions help clients control household finances, essential payments, and in-store services. The company's operations involve processing high-volume transactions, managing retailers and clients, selling funds, and transmitting data. PayPoint's network covers convenience stores and numerous outlets, where clients can use the company's solutions to make energy meter prepayments, bill payments, benefit payments, mobile phone top-ups, cash withdrawals, and other services. Its operating segments are; PayPoint which derives key revenue, and Love2shop. The company generates the majority of its revenue from the UK.
82GF 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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