Akcept FinanceWAR:AFC 27 FCF Margin % is 65.31% as of Mar. 2026, which is 12% below its 10-year median of 74.38. GuruFocus rates WAR:AFC with a GF Score™ of 27/100 and a GF Value™ of zł0.40 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 531 Credit Services companies, Akcept Finance ranks worse than 95.67% on this metric.
The historical rank and industry rank for Akcept Finance's FCF Margin % or its related term are showing as below:
WAR:AFC'
s FCF Margin % Range Over the Past 10 Years
Min: -1946.58 Med: 74.38 Max: 1030.04
Current: -488.35
During the past 13 years, the highest FCF Margin % of Akcept Finance was 1030.04%. The lowest was -1946.58%. And the median was 74.38%.
WAR:AFC's FCF Margin % is ranked worse than 95.67% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs WAR:AFC: -488.35
Akcept Finance FCF Margin % Related Terms
Akcept Finance FCF Margin % Historical Data
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The historical data trend for Akcept Finance'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.
For the Credit Services subindustry, Akcept Finance'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.
Akcept Finance FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Akcept Finance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Akcept Finance'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.
Akcept Finance (WAR:AFC) has a FCF Margin % of 65.31% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Akcept Finance and its competitors. This is 12% below median its historical median of 74.38. According to the industry distribution chart, Akcept Finance ranks #508 out of 531 companies in the Credit Services industry, placing it in the top 95.7%.
Is Akcept Finance's FCF Margin % too high?
Akcept Finance's current FCF Margin % of 65.31% is 12% below median its 10-year median of 74.38. The Credit Services industry median FCF Margin % is 0.24. Akcept Finance's value of 65.31% is 27112.5% above this industry median. Based on the distribution chart, Akcept Finance ranks #508 out of 531 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Akcept Finance has a GF Score™ of 27/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Akcept Finance's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Akcept Finance ranks #508 out of 531 companies for FCF Margin %. This places Akcept Finance in the lower half of its industry. The industry median FCF Margin % is 0.24. Akcept Finance's value of 65.31% is 27112.5% above this benchmark. While the company's 10-year median is 74.38 vs. the industry median of 0.24, Akcept Finance 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 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. Akcept Finance's current FCF Margin % of 65.31% is 27112.5% 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 Akcept Finance 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. Akcept Finance's current FCF Margin % is 65.31%, which is 12% below median its own 10-year median of 74.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Akcept Finance stock overvalued right now?
Based on GuruFocus' analysis, Akcept Finance (WAR:AFC) is currently considered Possible Value Trap. The stock's GF Value™ is zł0.40, compared to a current price of zł0.25 — trading 38.5% below its estimated fair value. The current FCF Margin % is 65.31%, which is 12% below median its 10-year median of 74.38 and 27112.5% above the Credit Services industry median of 0.24. Akcept Finance's overall GF Score™ is 27/100 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 Akcept Finance (WAR:AFC), the current FCF Margin % is 65.31% 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 Akcept Finance (WAR:AFC) Overvalued in 2026?
Based on GuruFocus' analysis, Akcept Finance stock appears to be undervalued.
The current stock price of zł0.25 is trading 38.5% below its estimated GF Value™ of zł0.40.
GuruFocus considers Akcept Finance to be Possible Value Trap.
Key valuation signals for WAR:AFC:
FCF Margin %: 65.31% (12% below median its 10-year median of 74.38)
GF Value™: zł0.40 vs. price of zł0.25 (38.5% below fair value)
Industry Position: 27112.5% above the Credit Services median (#508 of 531)
No single metric tells the full story. See the WAR:AFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Akcept Finance SA provides various financial services to micro-enterprises, SMEs, and publicly traded companies. The company's financial services include full factoring services, half-factoring, discounting of bills and funds raising in Europe.
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