National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) Cyclically Adjusted FCF per Share: د.إ1.39 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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ADX:RAKBANK National Bank of Ras Al-Khaimah PSC ADX:RAKBANK
55 GF Score
Price د.إ9.15
GF Value د.إ7.63
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is National Bank of Ras Al-Khaimah PSC Cyclically Adjusted FCF per Share?

National Bank of Ras Al-Khaimah PSC ADX:RAKBANK -0.11% 55 Cyclically Adjusted FCF per Share is د.إ1.39 as of Jun. 2026. GuruFocus rates ADX:RAKBANK with a GF Score™ of 55/100 and a GF Value™ of د.إ7.63 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

National Bank of Ras Al-Khaimah PSC's adjusted free cash flow per share for the three months ended in Jun. 2026 was د.إ-0.220. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is د.إ1.39 for the trailing ten years ended in Jun. 2026.

During the past 12 months, National Bank of Ras Al-Khaimah PSC's average Cyclically Adjusted FCF Growth Rate was 13.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 17.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 20.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of National Bank of Ras Al-Khaimah PSC was 27.10% per year. The lowest was 0.60% per year. And the median was 17.20% per year.

As of today (2026-07-31), National Bank of Ras Al-Khaimah PSC's current stock price is د.إ9.15. National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was د.إ1.39. National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted Price-to-FCF of today is 6.58.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of National Bank of Ras Al-Khaimah PSC was 7.81. The lowest was 1.04. And the median was 5.97.


National Bank of Ras Al-Khaimah PSC  (ADX:RAKBANK) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=9.15/1.39
=6.58

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of National Bank of Ras Al-Khaimah PSC was 7.81. The lowest was 1.04. And the median was 5.97.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


National Bank of Ras Al-Khaimah PSC Cyclically Adjusted FCF per Share Related Terms


National Bank of Ras Al-Khaimah PSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted FCF per Share 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.

National Bank of Ras Al-Khaimah PSC Cyclically Adjusted FCF per Share Chart

National Bank of Ras Al-Khaimah PSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.56 0.83 0.95 1.15 1.35

National Bank of Ras Al-Khaimah PSC Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.22 1.24 1.35 1.39 1.39

National Bank of Ras Al-Khaimah PSC Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


National Bank of Ras Al-Khaimah PSC Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted Price-to-FCF falls into.


ADX:RAKBANK
55GF Score
National Bank of Ras Al-Khaimah PSC ADX:RAKBANK
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bank of Ras Al-Khaimah PSC Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, National Bank of Ras Al-Khaimah PSC's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-0.22/333.9520*333.9520
=-0.220

Current CPI (Jun. 2026) = 333.9520.

National Bank of Ras Al-Khaimah PSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.087 241.428 0.120
201612 0.627 241.432 0.867
201703 -0.418 243.801 -0.573
201706 -0.152 244.955 -0.207
201709 0.355 246.819 0.480
201712 0.146 246.524 0.198
201803 0.748 249.554 1.001
201806 -0.654 251.989 -0.867
201809 0.573 252.439 0.758
201812 0.160 251.233 0.213
201903 0.409 254.202 0.537
201906 0.385 256.143 0.502
201909 -0.669 256.759 -0.870
201912 0.146 256.974 0.190
202003 0.742 258.115 0.960
202006 -0.276 257.797 -0.358
202009 1.136 260.280 1.458
202012 -0.048 260.474 -0.062
202103 -0.165 264.877 -0.208
202106 0.195 271.696 0.240
202109 0.016 274.310 0.019
202112 -0.189 278.802 -0.226
202203 -0.095 287.504 -0.110
202206 1.523 296.311 1.716
202209 0.197 296.808 0.222
202212 1.114 296.797 1.253
202303 0.662 301.836 0.732
202306 0.144 305.109 0.158
202309 0.377 307.789 0.409
202312 0.790 306.746 0.860
202403 0.788 312.332 0.843
202406 1.014 314.175 1.078
202409 -1.799 315.301 -1.905
202412 1.675 315.605 1.772
202503 0.348 319.799 0.363
202506 0.368 322.561 0.381
202509 -0.047 324.800 -0.048
202512 2.122 324.054 2.187
202603 0.023 330.213 0.023
202606 -0.220 333.952 -0.220

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of د.إ1.39 mean?
National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) has a Cyclically Adjusted FCF per Share of د.إ1.39 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on National Bank of Ras Al-Khaimah PSC and its competitors.
Is National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted FCF per Share too high?
National Bank of Ras Al-Khaimah PSC's current Cyclically Adjusted FCF per Share is د.إ1.39. Overall, National Bank of Ras Al-Khaimah PSC has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted FCF per Share compare to competitors?
National Bank of Ras Al-Khaimah PSC's Cyclically Adjusted FCF per Share of د.إ1.39 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 Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on National Bank of Ras Al-Khaimah PSC and its competitors. National Bank of Ras Al-Khaimah PSC's current Cyclically Adjusted FCF per Share is د.إ1.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Ras Al-Khaimah PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ7.63, compared to a current price of د.إ9.15 — trading 19.9% above its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ1.39. National Bank of Ras Al-Khaimah PSC's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK), the current Cyclically Adjusted FCF per Share is د.إ1.39 as of Jun. 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 National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Ras Al-Khaimah PSC stock appears to be overvalued. The current stock price of د.إ9.15 is trading 19.9% above its estimated GF Value™ of د.إ7.63. GuruFocus considers National Bank of Ras Al-Khaimah PSC to be Modestly Overvalued.

Key valuation signals for ADX:RAKBANK:

  • Cyclically Adjusted FCF per Share: د.إ1.39
  • GF Value™: د.إ7.63 vs. price of د.إ9.15 (19.9% above fair value)
  • GF Score™: 55/100 with 4 warning signs

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


National Bank of Ras Al-Khaimah PSC Business Description

Address Exit No. 129, Sheikh Mohammed Bin Zayed Road, P.O. Box 5300, Ras Al-Khaimah, ARE
National Bank of Ras Al-Khaimah PSC is engaged in providing retail and commercial banking services in the UAE. The bank has operating segments, namely Retail Banking, Wholesale Banking, Business Banking, Head office & Others. It generates maximum revenue from the Wholesale banking segment, which represents transactions with corporate bodies, including government and public bodies, and comprises loans, advances, deposits, and trade finance transactions of corporate customers and financial institutions.
55GF Score

Get the complete analysis for ADX:RAKBANK

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ9.15
Price
د.إ7.63
GF Value