FirstcautionXPAR:MLFIR 84 FCF Margin % is 28.42% as of Dec. 2025, which is 7% below its 10-year median of 30.72. GuruFocus rates XPAR:MLFIR with a GF Score™ of 84/100 and a GF Value™ of €51.58 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 501 Insurance companies, Firstcaution ranks better than 83.63% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Firstcaution's Free Cash Flow for the
six
months ended in Dec. 2025 was €9.10 Mil. Firstcaution's Revenue for the
six
months ended in Dec. 2025 was €32.00 Mil. Therefore, Firstcaution's FCF Margin % for the quarter that ended in Dec. 2025 was 28.42%.
The historical rank and industry rank for Firstcaution's FCF Margin % or its related term are showing as below:
XPAR:MLFIR'
s FCF Margin % Range Over the Past 10 Years
Min: 18.67 Med: 30.72 Max: 46.78
Current: 28.42
During the past 10 years, the highest FCF Margin % of Firstcaution was 46.78%. The lowest was 18.67%. And the median was 30.72%.
XPAR:MLFIR's FCF Margin % is ranked better than 83.63% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs XPAR:MLFIR: 28.42
Firstcaution FCF Margin % Related Terms
Firstcaution FCF Margin % Historical Data
* Premium members only.
The historical data trend for Firstcaution'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.
XPAR:MLFIR vs MRSH, AON, AJG: FCF Margin % Comparison
For the Insurance Brokers subindustry, Firstcaution'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.
Firstcaution FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Firstcaution's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Firstcaution'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.
Firstcaution (XPAR:MLFIR) has a FCF Margin % of 28.42% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Firstcaution and its competitors. This is near median its historical median of 30.72. Over the past decade, Firstcaution's FCF Margin % has ranged from 18.67 to 46.78. According to the industry distribution chart, Firstcaution ranks #82 out of 501 companies in the Insurance industry, placing it in the top 16.4%.
Is Firstcaution's FCF Margin % too high?
Firstcaution's current FCF Margin % of 28.42% is near median its 10-year median of 30.72. Over the past 10 years, this metric has ranged from a low of 18.67 to a high of 46.78. The Insurance industry median FCF Margin % is 9.60. Firstcaution's value of 28.42% is 196% above this industry median. Based on the distribution chart, Firstcaution ranks #82 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Firstcaution has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Firstcaution's FCF Margin % compare to MRSH and AON?
According to the Insurance industry distribution chart, Firstcaution ranks #82 out of 501 companies for FCF Margin %. This places Firstcaution in the top 16% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.60. Firstcaution's value of 28.42% is 196% above this benchmark. Historically, Firstcaution's own FCF Margin % has ranged from 18.67 to 46.78 over the past decade. While the company's 10-year median is 30.72 vs. the industry median of 9.60, Firstcaution 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 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. Firstcaution's current FCF Margin % of 28.42% is 196% 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 Firstcaution 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. Firstcaution's current FCF Margin % is 28.42%, which is near median its own 10-year median of 30.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Firstcaution stock overvalued right now?
Based on GuruFocus' analysis, Firstcaution (XPAR:MLFIR) is currently considered Significantly Undervalued. The stock's GF Value™ is €51.58, compared to a current price of €32.00 — trading 38% below its estimated fair value. The current FCF Margin % is 28.42%, which is near median its 10-year median of 30.72 and 196% above the Insurance industry median of 9.60. Firstcaution's overall GF Score™ is 84/100 with 1 warning sign 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 Firstcaution (XPAR:MLFIR), the current FCF Margin % is 28.42% 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 Firstcaution (XPAR:MLFIR) Overvalued in 2026?
Based on GuruFocus' analysis, Firstcaution stock appears to be undervalued.
The current stock price of €32.00 is trading 38% below its estimated GF Value™ of €51.58.
GuruFocus considers Firstcaution to be Significantly Undervalued.
Key valuation signals for XPAR:MLFIR:
FCF Margin %: 28.42% (near median its 10-year median of 30.72)
GF Value™: €51.58 vs. price of €32.00 (38% below fair value)
Industry Position: 196% above the Insurance median (#82 of 501)
No single metric tells the full story. See the XPAR:MLFIR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Firstcaution SA is an insurance company engaged in processing and providing rental deposit guarantees for private and commercial leases in Switzerland. It offers commercial lease deposit, combined cash deposit and guarantee, and individual risk assessment products to business customers; and guarantees for residential or commercial leases of private customers.
84GF Score
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