PensionBee Group (FRA:6HD) FCF Margin %: -5.83% (As of Dec. 2025)


FRA:6HD PensionBee Group PLC FRA:6HD
79 GF Score
Price €1.45
GF Value €2.46
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What is PensionBee Group FCF Margin %?

PensionBee Group FRA:6HD +2.11% 79 FCF Margin % is -5.83% as of Dec. 2025. GuruFocus rates FRA:6HD with a GF Score™ of 79/100 and a GF Value™ of €2.46. Among 771 Capital Markets companies, PensionBee Group ranks worse than 57.98% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PensionBee Group's Free Cash Flow for the six months ended in Dec. 2025 was €-1.58 Mil. PensionBee Group's Revenue for the six months ended in Dec. 2025 was €27.16 Mil. Therefore, PensionBee Group's FCF Margin % for the quarter that ended in Dec. 2025 was -5.83%.

As of today, PensionBee Group's current FCF Yield % is -0.71%.

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

FRA:6HD' s FCF Margin % Range Over the Past 10 Years
Min: -247.61   Med: -138.51   Max: 10.94
Current: -4.97


During the past 8 years, the highest FCF Margin % of PensionBee Group was 10.94%. The lowest was -247.61%. And the median was -138.51%.

FRA:6HD's FCF Margin % is ranked worse than
57.98% of 771 companies
in the Capital Markets industry
Industry Median: 1.02 vs FRA:6HD: -4.97


PensionBee Group FCF Margin % Related Terms


PensionBee Group FCF Margin % Historical Data

* Premium members only.

The historical data trend for PensionBee Group'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.

PensionBee Group FCF Margin % Chart

PensionBee Group Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial -154.57 -124.82 -37.46 10.94 -4.99

PensionBee Group Semi-Annual Data
Dec18 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -14.32 -7.86 27.14 -3.93 -5.83

FRA:6HD vs MS, GS, SCHW: FCF Margin % Comparison

For the Capital Markets subindustry, PensionBee 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.


PensionBee Group FCF Margin % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, PensionBee Group's FCF Margin % distribution charts can be found below:

* The bar in red indicates where PensionBee Group's FCF Margin % falls into.


FRA:6HD
79GF Score
PensionBee Group PLC FRA:6HD
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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PensionBee Group FCF Margin % Calculation

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

PensionBee Group'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 )
=-2.43/48.713
=-4.99 %

PensionBee Group'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 )
=-1.582/27.157
=-5.83 %

* 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 -5.83% mean?
PensionBee Group (FRA:6HD) has a FCF Margin % of -5.83% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PensionBee Group and its competitors. According to the industry distribution chart, PensionBee Group ranks #447 out of 771 companies in the Capital Markets industry, placing it in the top 58%.
Is PensionBee Group's FCF Margin % too high?
PensionBee Group's current FCF Margin % is -5.83%. Based on the distribution chart, PensionBee Group ranks #447 out of 771 companies in the Capital Markets industry, which is below the industry midpoint. Overall, PensionBee Group has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does PensionBee Group's FCF Margin % compare to MS and GS?
According to the Capital Markets industry distribution chart, PensionBee Group ranks #447 out of 771 companies for FCF Margin %. This places PensionBee Group in the lower half of its industry. The industry median FCF Margin % is 1.02. 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 Capital Markets company?
The median FCF Margin % among Capital Markets companies is 1.02, based on 771 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. 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 PensionBee Group and its competitors. For the Capital Markets industry, the median FCF Margin % is 1.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PensionBee Group's current FCF Margin % is -5.83%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PensionBee Group stock overvalued right now?
PensionBee Group (FRA:6HD) has a current FCF Margin % of -5.83%. The stock's GF Value™ is €2.46, compared to a current price of €1.45 — trading 41.1% below its estimated fair value. The current FCF Margin % is -5.83%. PensionBee Group's overall GF Score™ is 79/100. 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 PensionBee Group (FRA:6HD), the current FCF Margin % is -5.83% 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 PensionBee Group (FRA:6HD) Overvalued in 2026?

Based on GuruFocus' analysis, PensionBee Group stock appears to be undervalued. The current stock price of €1.45 is trading 41.1% below its estimated GF Value™ of €2.46.

Key valuation signals for FRA:6HD:

  • FCF Margin %: -5.83%
  • GF Value™: €2.46 vs. price of €1.45 (41.1% below fair value)
  • GF Score™: 79/100

No single metric tells the full story. See the FRA:6HD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PensionBee Group Business Description

Other Exchanges PBEEl:UKPBEE:UK
Address 209 Blackfriars Road, London, GBR, SE1 8NL
PensionBee Group PLC is engaged in the provision of direct-to-consumer online pensions. The company helps its customers combine their old pension pots, make flexible contributions, invest in line with their goals and values, and make withdrawals after attaining a certain age. It offers a range of investment plans, including fossil fuel-free and impact investing options, from various asset managers. The firm generates a vast majority of its revenue in the form of fees it charges for fund administration. These fees are earned for administering the customer pension schemes and are charged based on a fixed percentage of the value of a customer's assets held by the pension scheme. Geographically, it generates the majority of its revenue from the United Kingdom.
79GF Score

Get the complete analysis for FRA:6HD

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

€1.45
Price
€2.46
GF Value