PBS FinanseWAR:PBF 75 FCF Margin % is 4.60% as of Mar. 2026. GuruFocus rates WAR:PBF with a GF Score™ of 75/100 and a GF Value™ of zł1.36 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 527 Credit Services companies, PBS Finanse ranks worse than 63.38% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PBS Finanse's Free Cash Flow for the
three
months ended in Mar. 2026 was zł0.04 Mil. PBS Finanse's Revenue for the
three
months ended in Mar. 2026 was zł0.87 Mil. Therefore, PBS Finanse's FCF Margin % for the quarter that ended in Mar. 2026 was 4.60%.
The historical rank and industry rank for PBS Finanse's FCF Margin % or its related term are showing as below:
WAR:PBF'
s FCF Margin % Range Over the Past 10 Years
Min: -705.67 Med: -58.62 Max: -15.95
Current: -15.95
During the past 13 years, the highest FCF Margin % of PBS Finanse was -15.95%. The lowest was -705.67%. And the median was -58.62%.
WAR:PBF's FCF Margin % is ranked worse than 63.38% of 527
companies
in the Credit Services industry
Industry Median: 0.24
vs WAR:PBF: -15.95
PBS Finanse FCF Margin % Related Terms
PBS Finanse FCF Margin % Historical Data
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The historical data trend for PBS Finanse'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, PBS Finanse'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.
PBS Finanse FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PBS Finanse's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PBS Finanse'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.
PBS Finanse (WAR:PBF) has a FCF Margin % of 4.60% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PBS Finanse and its competitors. According to the industry distribution chart, PBS Finanse ranks #334 out of 527 companies in the Credit Services industry, placing it in the top 63.4%.
Is PBS Finanse's FCF Margin % too high?
PBS Finanse's current FCF Margin % is 4.60%. The Credit Services industry median FCF Margin % is 0.24. PBS Finanse's value of 4.60% is 1816.7% above this industry median. Based on the distribution chart, PBS Finanse ranks #334 out of 527 companies in the Credit Services industry, which is below the industry midpoint. Overall, PBS Finanse has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PBS Finanse ranks #334 out of 527 companies for FCF Margin %. This places PBS Finanse in the lower half of its industry. The industry median FCF Margin % is 0.24. PBS Finanse's value of 4.60% is 1816.7% above this benchmark. 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 527 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. PBS Finanse's current FCF Margin % of 4.60% is 1816.7% 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 PBS Finanse 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. PBS Finanse's current FCF Margin % is 4.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.36, compared to a current price of zł1.18 — trading 13.2% below its estimated fair value. The current FCF Margin % is 4.60% and 1816.7% above the Credit Services industry median of 0.24. PBS Finanse's overall GF Score™ is 75/100 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 PBS Finanse (WAR:PBF), the current FCF Margin % is 4.60% 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 PBS Finanse (WAR:PBF) Overvalued in 2026?
Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued.
The current stock price of zł1.18 is trading 13.2% below its estimated GF Value™ of zł1.36.
GuruFocus considers PBS Finanse to be Modestly Undervalued.
Key valuation signals for WAR:PBF:
FCF Margin %: 4.60%
GF Value™: zł1.36 vs. price of zł1.18 (13.2% below fair value)
Industry Position: 1816.7% above the Credit Services median (#334 of 527)
No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
75GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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