Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Lifestore Financial GroupLSFG 58 FCF Margin % is 21.78% as of Jun. 2025, which is 16% above its 10-year median of 18.82. GuruFocus rates LSFG with a GF Score™ of 58/100 and a GF Value™ of $50.97 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,507 Banks companies, Lifestore Financial Group ranks worse than 56.6% 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.
For the Banks - Regional subindustry, Lifestore Financial 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.
Lifestore Financial Group FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lifestore Financial Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Lifestore Financial Group'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.
Lifestore Financial Group (LSFG) has a FCF Margin % of 21.78% as of Jun. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Lifestore Financial Group and its competitors. This is 16% above median its historical median of 18.82. According to the industry distribution chart, Lifestore Financial Group ranks #853 out of 1507 companies in the Banks industry, placing it in the top 56.6%.
Is Lifestore Financial Group's FCF Margin % too high?
Lifestore Financial Group's current FCF Margin % of 21.78% is 16% above median its 10-year median of 18.82. The Banks industry median FCF Margin % is 26.55. Lifestore Financial Group's value of 21.78% is 18% below this industry median. Based on the distribution chart, Lifestore Financial Group ranks #853 out of 1507 companies in the Banks industry, which is below the industry midpoint. Overall, Lifestore Financial Group has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lifestore Financial Group's FCF Margin % compare to CLST and SMAL?
According to the Banks industry distribution chart, Lifestore Financial Group ranks #853 out of 1507 companies for FCF Margin %. This places Lifestore Financial Group in the lower half of its industry. The industry median FCF Margin % is 26.55. Lifestore Financial Group's value of 21.78% is 18% below this benchmark. While the company's 10-year median is 18.82 vs. the industry median of 26.55, Lifestore Financial Group has consistently been below 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 26.55, based on 1,507 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. Lifestore Financial Group's current FCF Margin % of 21.78% is 18% below 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 Lifestore Financial Group and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lifestore Financial Group's current FCF Margin % is 21.78%, which is 16% above median its own 10-year median of 18.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lifestore Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Lifestore Financial Group (LSFG) is currently considered Modestly Overvalued. The stock's GF Value™ is $50.97, compared to a current price of $63.00 — trading 23.6% above its estimated fair value. The current FCF Margin % is 21.78%, which is 16% above median its 10-year median of 18.82 and 18% below the Banks industry median of 26.55. Lifestore Financial Group's overall GF Score™ is 58/100 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 Lifestore Financial Group (LSFG), the current FCF Margin % is 21.78% as of Jun. 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 Lifestore Financial Group (LSFG) Overvalued in 2026?
Based on GuruFocus' analysis, Lifestore Financial Group stock appears to be overvalued.
The current stock price of $63.00 is trading 23.6% above its estimated GF Value™ of $50.97.
GuruFocus considers Lifestore Financial Group to be Modestly Overvalued.
Key valuation signals for LSFG:
FCF Margin %: 21.78% (16% above median its 10-year median of 18.82)
GF Value™: $50.97 vs. price of $63.00 (23.6% above fair value)
Industry Position: 18% below the Banks median (#853 of 1507)
No single metric tells the full story. See the LSFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lifestore Financial Group Inc through its subsidiaries, is engaged in providing banking and insurance services. The company offers full-service banking services designed to meet the needs of retail and commercial customers. It also acts as an independent insurance agency offering traditional property and casualty, life, and health insurance products. It operates in two business segments; Banking and Insurance.
58GF Score
Get the complete analysis for LSFG
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSFG has been successfully added to your 
