MR
MRSH
Sep 30, 2025
Quarter ended Sep 30, 2025 · FY2025 Q3

Marsh & McLennan Companies, Inc. stock research

Marsh & McLennan Companies (MRSH) Free Cash Flow — Quarter Ended Sep 30, 2025

Revenue was lower than the prior quarter but higher than the same quarter last year. Free cash flow margin improved sequentially but weakened compared to the year-ago quarter.

Free cash flow takeaway

A quick read on the company's cash generation and what it means for investors.

Revenue was lower than the prior quarter but higher than the same quarter last year. Free cash flow margin improved sequentially but weakened compared to the year-ago quarter.

  • Operating cash flow was higher than both the prior quarter and the year-ago quarter, while capital expenditure was slightly higher than the prior quarter but lower than the year-ago quarter. The resulting free cash flow was higher than the prior quarter and higher than the year-ago quarter, with the free cash flow margin improving sequentially but declining year over year.
  • Compared to the prior quarter, revenue was lower but operating cash flow and free cash flow were higher, leading to an improved free cash flow margin. Compared to the same quarter last year, revenue was higher, operating cash flow was higher, and free cash flow was higher, yet the free cash flow margin was lower.

FCF snapshot

Quarterly and TTM cash-flow metrics with the minimum valuation context.

TTM free cash flow

$4.8B

Trailing twelve-month free cash flow.

Quarter free cash flow

$2.0B

Free cash flow in the selected fiscal quarter.

Operating cash flow

$2.1B

Cash generated by operations before capital spending.

CapEx

$72.0M

Capital spending and related asset purchases.

FCF margin

31.6%

The share of revenue converted into free cash flow.

Cash flow trend

A short quarterly history shows whether FCF is scaling with revenue or only spiking for one period.

PeriodRevenueOperating CFCapExFCFFCF margin
2024-12-31$6.1B$2.0B$76.0M$1.9B31.0%
2025-03-31$7.1B-$622.0M$55.0M-$677.0M-9.6%
2025-06-30$7.0B$1.7B$59.0M$1.6B23.1%
2025-09-30$6.4B$2.1B$72.0M$2.0B31.6%

Cash conversion quality

Checks that separate high-quality free cash flow from accounting noise or working-capital timing.

FCF / net income269.1%Shows whether accounting earnings convert into cash.
CapEx / revenue1.1%Lower capital intensity usually supports FCF margin.
Net cash-$17.1BCash and equivalents minus total debt.

Recent events shaping cash flow

Near-term business events that help explain the free cash flow result.

Supportive

Operating Cash Flow Strength

Operating cash flow was the strongest observable driver, increasing from the prior quarter and from the year-ago quarter, which supported a higher free cash flow despite lower sequential revenue.

Higher operating cash flow directly contributed to the sequential improvement in free cash flow and free cash flow margin.

What the cash flow says

How to interpret the company's free cash flow beyond the headline number.

Operating cash flow was higher than both the prior quarter and the year-ago quarter, while capital expenditure was slightly higher than the prior quarter but lower than the year-ago quarter. The resulting free cash flow was higher than the prior quarter and higher than the year-ago quarter, with the free cash flow margin improving sequentially but declining year over year.

Compared to the prior quarter, revenue was lower but operating cash flow and free cash flow were higher, leading to an improved free cash flow margin. Compared to the same quarter last year, revenue was higher, operating cash flow was higher, and free cash flow was higher, yet the free cash flow margin was lower.

Monitor the relationship between revenue and operating cash flow, as operating cash flow increased despite lower revenue sequentially.

MRSH Free Cash Flow — Quarter Ended Sep 30, 2025