Premia Finance SpA (MIL:PFI) FCF Margin %: -4.77% (As of Dec. 2025)


MIL:PFI Premia Finance SpA MIL:PFI
62 GF Score
Price €0.73
GF Value €1.54
Valuation Possible Value Trap
! 6 Warning Signs
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What is Premia Finance SpA FCF Margin %?

Premia Finance SpA MIL:PFI 62 FCF Margin % is -4.77% as of Dec. 2025. GuruFocus rates MIL:PFI with a GF Score™ of 62/100 and a GF Value™ of €1.54 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 531 Credit Services companies, Premia Finance SpA ranks worse than 56.5% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Premia Finance SpA's Free Cash Flow for the six months ended in Dec. 2025 was €-0.16 Mil. Premia Finance SpA's Revenue for the six months ended in Dec. 2025 was €3.25 Mil. Therefore, Premia Finance SpA's FCF Margin % for the quarter that ended in Dec. 2025 was -4.77%.

As of today, Premia Finance SpA's current FCF Yield % is -8.77%.

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

MIL:PFI' s FCF Margin % Range Over the Past 10 Years
Min: -24.41   Med: -1.52   Max: 11.09
Current: -3.49

During the past 7 years, the highest FCF Margin % of Premia Finance SpA was 11.09%. The lowest was -24.41%. And the median was -1.52%.

MIL:PFI's FCF Margin % is ranked worse than
56.5% of 531 companies
in the Credit Services industry
Industry Median: 0.24 vs MIL:PFI: -3.49

Premia Finance SpA FCF Margin % Related Terms

Premia Finance SpA FCF Margin % Historical Data

* Premium members only.

The historical data trend for Premia Finance SpA'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.

Premia Finance SpA FCF Margin % Chart

Premia Finance SpA Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial 2.25 0.85 -4.66 -24.41 -3.89

Premia Finance SpA Semi-Annual Data
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 -4.10 -2.36 -47.81 -2.39 -4.77

MIL:PFI vs V, MA, AXP: FCF Margin % Comparison

For the Credit Services subindustry, Premia Finance SpA'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.

Premia Finance SpA FCF Margin % vs Credit Services Industry

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

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


MIL:PFI
62GF Score
Premia Finance SpA MIL:PFI
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Premia Finance SpA FCF Margin % Calculation

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

Premia Finance SpA'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 )
=-0.274/7.051
=-3.89 %

Premia Finance SpA'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 )
=-0.155/3.249
=-4.77 %

* 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 -4.77% mean?
Premia Finance SpA (MIL:PFI) has a FCF Margin % of -4.77% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Premia Finance SpA and its competitors. According to the industry distribution chart, Premia Finance SpA ranks #300 out of 531 companies in the Credit Services industry, placing it in the top 56.5%.
Is Premia Finance SpA's FCF Margin % too high?
Premia Finance SpA's current FCF Margin % is -4.77%. Based on the distribution chart, Premia Finance SpA ranks #300 out of 531 companies in the Credit Services industry, which is below the industry midpoint. Overall, Premia Finance SpA has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Premia Finance SpA's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Premia Finance SpA ranks #300 out of 531 companies for FCF Margin %. This places Premia Finance SpA in the lower half of its industry. The industry median FCF Margin % is 0.24. 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?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 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 Premia Finance SpA and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Premia Finance SpA's current FCF Margin % is -4.77%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Premia Finance SpA stock overvalued right now?
Based on GuruFocus' analysis, Premia Finance SpA (MIL:PFI) is currently considered Possible Value Trap. The stock's GF Value™ is €1.54, compared to a current price of €0.73 — trading 52.9% below its estimated fair value. The current FCF Margin % is -4.77%. Premia Finance SpA's overall GF Score™ is 62/100 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 Premia Finance SpA (MIL:PFI), the current FCF Margin % is -4.77% 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 Premia Finance SpA (MIL:PFI) Overvalued in 2026?

Based on GuruFocus' analysis, Premia Finance SpA stock appears to be undervalued. The current stock price of €0.73 is trading 52.9% below its estimated GF Value™ of €1.54. GuruFocus considers Premia Finance SpA to be Possible Value Trap.

Key valuation signals for MIL:PFI:

  • FCF Margin %: -4.77%
  • GF Value™: €1.54 vs. price of €0.73 (52.9% below fair value)
  • GF Score™: 62/100 with 6 warning signs

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

Premia Finance SpA Business Description

Address Corso Italia 104, Catania, ITA, 95129
Premia Finance SpA provides credit brokerage services. The company helps banks, credit organizations, and financial institutions to connect with borrowers for various credit products such as fifth transfer, mortgages, personal loans, microcredit, loan with delegation, insurance, and others.
62GF Score

Get the complete analysis for MIL:PFI

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

€0.73
Price
€1.54
GF Value