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Manx Financial GroupFRA:3IM 52 Net Debt Paydown Yield % is -19.55% as of Jul. 14, 2026. GuruFocus rates FRA:3IM with a GF Score™ of 52/100 and a GF Value™ of €0.22 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,421 Banks companies, Manx Financial Group ranks worse than 82.13% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Manx Financial Group's Net Debt Paydown Yield % was -19.55%.
Manx Financial Group (FRA:3IM) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Manx Financial Group Net Debt Paydown Yield % Related Terms
Manx Financial Group Net Debt Paydown Yield % Historical Data
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The historical data trend for Manx Financial Group's Net Debt Paydown Yield % 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.
Manx Financial Group Net Debt Paydown Yield % Chart
FRA:3IM vs PNC, USB: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Manx Financial Group's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Manx Financial Group's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of -19.55% mean?
Manx Financial Group (FRA:3IM) has a Net Debt Paydown Yield % of -19.55% as of Jul. 14, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Manx Financial Group and its competitors. According to the industry distribution chart, Manx Financial Group ranks #1167 out of 1421 companies in the Banks industry, placing it in the top 82.1%.
Is Manx Financial Group's Net Debt Paydown Yield % too high?
Manx Financial Group's current Net Debt Paydown Yield % is -19.55%. Based on the distribution chart, Manx Financial Group ranks #1167 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Manx Financial Group has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's Net Debt Paydown Yield % compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #1167 out of 1421 companies for Net Debt Paydown Yield %. This places Manx Financial Group in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Manx Financial Group and its competitors. Manx Financial Group's current Net Debt Paydown Yield % is -19.55%. 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 Modestly Overvalued. The stock's GF Value™ is €0.22, compared to a current price of €0.28 — trading 29.1% above its estimated fair value. The current Net Debt Paydown Yield % is -19.55%. Manx Financial Group's overall GF Score™ is 52/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Manx Financial Group (FRA:3IM), the current Net Debt Paydown Yield % is -19.55% as of Jul. 14, 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 €0.28 is trading 29.1% above its estimated GF Value™ of €0.22.
GuruFocus considers Manx Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:3IM:
Net Debt Paydown Yield %: -19.55%
GF Value™: €0.22 vs. price of €0.28 (29.1% above fair value)
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 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.
52GF Score
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Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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