Manx Financial Group (FRA:3IM) Margin of Safety % (DCF Earnings Based): 77.05% (As of Jul. 01, 2026)


FRA:3IM Manx Financial Group PLC FRA:3IM
47 GF Score
Price €0.30
GF Value €0.26
Valuation Fairly Valued
! 4 Warning Signs
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What is Manx Financial Group Margin of Safety % (DCF Earnings Based)?

Manx Financial Group FRA:3IM +1.37% 47 Margin of Safety % (DCF Earnings Based) is 77.05% as of Jul. 01, 2026. GuruFocus rates FRA:3IM with a GF Score™ of 47/100 and a GF Value™ of €0.26 (Fairly Valued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-01), Manx Financial Group's Predictability Rank is 5-Stars. Manx Financial Group's intrinsic value calculated from the Discounted Earnings model is €1.29 and current share price is €0.296. Consequently,

Manx Financial Group's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 77.05%.

FRA:3IM vs PNC, USB: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, Manx Financial Group's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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.

Manx Financial Group Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Manx Financial Group's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Manx Financial Group's Margin of Safety % (DCF Earnings Based) falls into.


FRA:3IM
47GF Score
Manx Financial Group PLC FRA:3IM
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Manx Financial Group Margin of Safety % (DCF Earnings Based) Calculation

Manx Financial Group's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(1.29-0.296)/1.29
=77.05 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 77.05% mean?
Manx Financial Group (FRA:3IM) has a Margin of Safety % (DCF Earnings Based) of 77.05% as of Jul. 01, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Manx Financial Group.
Is Manx Financial Group's Margin of Safety % (DCF Earnings Based) too high?
Manx Financial Group's current Margin of Safety % (DCF Earnings Based) is 77.05%. Overall, Manx Financial Group has a GF Score™ of 47/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's Margin of Safety % (DCF Earnings Based) compare to PNC and USB?
Manx Financial Group's Margin of Safety % (DCF Earnings Based) of 77.05% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Manx Financial Group. Manx Financial Group's current Margin of Safety % (DCF Earnings Based) is 77.05%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Fairly Valued. The stock's GF Value™ is €0.26, compared to a current price of €0.30 — trading 13.8% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 77.05%. Manx Financial Group's overall GF Score™ is 47/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Manx Financial Group (FRA:3IM), the current Margin of Safety % (DCF Earnings Based) is 77.05% as of Jul. 01, 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?

Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued. The current stock price of €0.30 is trading 13.8% above its estimated GF Value™ of €0.26. GuruFocus considers Manx Financial Group to be Fairly Valued.

Key valuation signals for FRA:3IM:

  • Margin of Safety % (DCF Earnings Based): 77.05%
  • GF Value™: €0.26 vs. price of €0.30 (13.8% above fair value)
  • GF Score™: 47/100 with 4 warning signs

No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Manx Financial Group Business Description

Other Exchanges MFX:UK
Address Victoria Street, Clarendon House, Douglas, IMN, IM1 2LN
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
47GF Score

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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.30
Price
€0.26
GF Value