Definity Financial (TSX:DFY) FCF Margin %: -9.18% (As of Mar. 2026)


TSX:DFY Definity Financial Corp TSX:DFY
77 GF Score
Price C$74.90
GF Value C$71.19
Valuation Fairly Valued
! 4 Warning Signs
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What is Definity Financial FCF Margin %?

Definity Financial TSX:DFY +0.94% 77 FCF Margin % is -9.18% as of Mar. 2026. GuruFocus rates TSX:DFY with a GF Score™ of 77/100 and a GF Value™ of C$71.19 (Fairly Valued). The stock has 4 warning signs investors should review. Among 501 Insurance companies, Definity Financial ranks worse than 59.68% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Definity Financial's Free Cash Flow for the three months ended in Mar. 2026 was C$-165 Mil. Definity Financial's Revenue for the three months ended in Mar. 2026 was C$1,793 Mil. Therefore, Definity Financial's FCF Margin % for the quarter that ended in Mar. 2026 was -9.18%.

As of today, Definity Financial's current FCF Yield % is 3.91%.

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

TSX:DFY' s FCF Margin % Range Over the Past 10 Years
Min: 5.14   Med: 7.83   Max: 22.46
Current: 6.38


During the past 6 years, the highest FCF Margin % of Definity Financial was 22.46%. The lowest was 5.14%. And the median was 7.83%.

TSX:DFY's FCF Margin % is ranked worse than
59.68% of 501 companies
in the Insurance industry
Industry Median: 9.6 vs TSX:DFY: 6.38


Definity Financial FCF Margin % Related Terms


Definity Financial FCF Margin % Historical Data

* Premium members only.

The historical data trend for Definity Financial'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.

Definity Financial FCF Margin % Chart

Definity Financial Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial 22.46 7.18 6.55 5.14 8.47

Definity Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -8.81 15.31 14.82 11.38 -9.18

TSX:DFY vs CB, PGR, TRV: FCF Margin % Comparison

For the Insurance - Property & Casualty subindustry, Definity Financial'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.


Definity Financial FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Definity Financial's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Definity Financial's FCF Margin % falls into.


TSX:DFY
77GF Score
Definity Financial Corp TSX:DFY
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Definity Financial FCF Margin % Calculation

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

Definity Financial'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 )
=413/4873.8
=8.47 %

Definity Financial's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-164.6/1793.1
=-9.18 %

* 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 -9.18% mean?
Definity Financial (TSX:DFY) has a FCF Margin % of -9.18% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Definity Financial and its competitors. Over the past decade, Definity Financial's FCF Margin % has ranged from 5.14 to 22.46. According to the industry distribution chart, Definity Financial ranks #299 out of 501 companies in the Insurance industry, placing it in the top 59.7%.
Is Definity Financial's FCF Margin % too high?
Definity Financial's current FCF Margin % is -9.18%. Over the past 10 years, this metric has ranged from a low of 5.14 to a high of 22.46. Based on the distribution chart, Definity Financial ranks #299 out of 501 companies in the Insurance industry, which is below the industry midpoint. Overall, Definity Financial has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Definity Financial's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Definity Financial ranks #299 out of 501 companies for FCF Margin %. This places Definity Financial in the lower half of its industry. The industry median FCF Margin % is 9.60. Historically, Definity Financial's own FCF Margin % has ranged from 5.14 to 22.46 over the past decade. 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 an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 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 Definity Financial and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Definity Financial's current FCF Margin % is -9.18%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Definity Financial stock overvalued right now?
Based on GuruFocus' analysis, Definity Financial (TSX:DFY) is currently considered Fairly Valued. The stock's GF Value™ is C$71.19, compared to a current price of C$74.90 — trading 5.2% above its estimated fair value. The current FCF Margin % is -9.18%. Definity Financial's overall GF Score™ is 77/100 with 4 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 Definity Financial (TSX:DFY), the current FCF Margin % is -9.18% 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 Definity Financial (TSX:DFY) Overvalued in 2026?

Based on GuruFocus' analysis, Definity Financial stock appears to be overvalued. The current stock price of C$74.90 is trading 5.2% above its estimated GF Value™ of C$71.19. GuruFocus considers Definity Financial to be Fairly Valued.

Key valuation signals for TSX:DFY:

  • FCF Margin %: -9.18%
  • GF Value™: C$71.19 vs. price of C$74.90 (5.2% above fair value)
  • GF Score™: 77/100 with 4 warning signs

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


Definity Financial Business Description

Other Exchanges DFYFF:USA
Address 111 Westmount Road South, Waterloo, ON, CAN, N2L 2L6
Definity Financial Corp is a property and casualty insurance services provider. It serves the insurance needs of individual, commercial, and farm customers. Its product portfolio includes Personal auto insurance, Personal home insurance, Group auto insurance, Group home insurance, Business property insurance, Business liability insurance, Commercial vehicle insurance, Surety bonds, Oilfield services insurance, General farm insurance, Premier cash crop insurance, and Winery insurance.
77GF Score

Get the complete analysis for TSX:DFY

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

C$74.90
Price
C$71.19
GF Value