United Arab Bank PJSC (ADX:UAB) Cyclically Adjusted FCF per Share: د.إ0.05 (As of Mar. 2026)

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ADX:UAB United Arab Bank PJSC ADX:UAB
60 GF Score
Price د.إ1.34
GF Value د.إ1.25
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is United Arab Bank PJSC Cyclically Adjusted FCF per Share?

United Arab Bank PJSC ADX:UAB 60 Cyclically Adjusted FCF per Share is د.إ0.05 as of Mar. 2026. GuruFocus rates ADX:UAB with a GF Score™ of 60/100 and a GF Value™ of د.إ1.25 (Fairly Valued). The stock has 6 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.

United Arab Bank PJSC's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ-0.722. 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.إ0.05 for the trailing ten years ended in Mar. 2026.

During the past 12 months, United Arab Bank PJSC's average Cyclically Adjusted FCF Growth Rate was -61.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 26.00% 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 United Arab Bank PJSC was 26.00% per year. The lowest was 0.00% per year. And the median was 13.00% per year.

As of today (2026-07-16), United Arab Bank PJSC's current stock price is د.إ1.34. United Arab Bank PJSC's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ0.05. United Arab Bank PJSC's Cyclically Adjusted Price-to-FCF of today is 26.80.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of United Arab Bank PJSC was 133.38. The lowest was 5.17. And the median was 20.09.


United Arab Bank PJSC  (ADX:UAB) 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.

United Arab Bank PJSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1.34/0.05
=26.80

* 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 United Arab Bank PJSC was 133.38. The lowest was 5.17. And the median was 20.09.


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.


United Arab Bank PJSC Cyclically Adjusted FCF per Share Related Terms


United Arab Bank PJSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for United Arab Bank PJSC'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.

United Arab Bank PJSC Cyclically Adjusted FCF per Share Chart

United Arab Bank PJSC 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 0.06 0.03 0.08 0.06 0.06

United Arab Bank PJSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 0.13 0.14 0.02 0.06 0.05

United Arab Bank PJSC Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, United Arab Bank PJSC'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.


United Arab Bank PJSC Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, United Arab Bank PJSC's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where United Arab Bank PJSC's Cyclically Adjusted Price-to-FCF falls into.


ADX:UAB
60GF Score
United Arab Bank PJSC ADX:UAB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Arab Bank PJSC 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, United Arab Bank PJSC's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.722/330.2130*330.2130
=-0.722

Current CPI (Mar. 2026) = 330.2130.

United Arab Bank PJSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.225 241.018 0.308
201609 -0.038 241.428 -0.052
201612 0.511 241.432 0.699
201703 -0.310 243.801 -0.420
201706 -0.321 244.955 -0.433
201709 0.169 246.819 0.226
201712 0.318 246.524 0.426
201803 -0.311 249.554 -0.412
201806 -0.087 251.989 -0.114
201809 -0.108 252.439 -0.141
201812 0.161 251.233 0.212
201903 0.100 254.202 0.130
201906 -0.625 256.143 -0.806
201909 -0.371 256.759 -0.477
201912 0.556 256.974 0.714
202003 -0.201 258.115 -0.257
202006 0.686 257.797 0.879
202009 0.910 260.280 1.155
202012 -1.032 260.474 -1.308
202103 -0.081 264.877 -0.101
202106 0.223 271.696 0.271
202109 0.047 274.310 0.057
202112 0.404 278.802 0.478
202203 -0.427 287.504 -0.490
202206 -0.187 296.311 -0.208
202209 0.230 296.808 0.256
202212 -0.119 296.797 -0.132
202303 0.122 301.836 0.133
202306 -0.319 305.109 -0.345
202309 0.020 307.789 0.021
202312 0.592 306.746 0.637
202403 0.057 312.332 0.060
202406 0.045 314.175 0.047
202409 -0.563 315.301 -0.590
202412 0.348 315.605 0.364
202503 0.602 319.799 0.622
202506 -0.097 322.561 -0.099
202509 -0.807 324.800 -0.820
202512 0.723 324.054 0.737
202603 -0.722 330.213 -0.722

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.إ0.05 mean?
United Arab Bank PJSC (ADX:UAB) has a Cyclically Adjusted FCF per Share of د.إ0.05 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on United Arab Bank PJSC and its competitors.
Is United Arab Bank PJSC's Cyclically Adjusted FCF per Share too high?
United Arab Bank PJSC's current Cyclically Adjusted FCF per Share is د.إ0.05. Overall, United Arab Bank PJSC has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Arab Bank PJSC's Cyclically Adjusted FCF per Share compare to competitors?
United Arab Bank PJSC's Cyclically Adjusted FCF per Share of د.إ0.05 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 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 United Arab Bank PJSC and its competitors. United Arab Bank PJSC's current Cyclically Adjusted FCF per Share is د.إ0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Arab Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, United Arab Bank PJSC (ADX:UAB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.25, compared to a current price of د.إ1.34 — trading 7.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.05. United Arab Bank PJSC's overall GF Score™ is 60/100 with 6 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 United Arab Bank PJSC (ADX:UAB), the current Cyclically Adjusted FCF per Share is د.إ0.05 as of Mar. 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 United Arab Bank PJSC (ADX:UAB) Overvalued in 2026?

Based on GuruFocus' analysis, United Arab Bank PJSC stock appears to be overvalued. The current stock price of د.إ1.34 is trading 7.2% above its estimated GF Value™ of د.إ1.25. GuruFocus considers United Arab Bank PJSC to be Fairly Valued.

Key valuation signals for ADX:UAB:

  • Cyclically Adjusted FCF per Share: د.إ0.05
  • GF Value™: د.إ1.25 vs. price of د.إ1.34 (7.2% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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


United Arab Bank PJSC Business Description

Address Al Majaz Street, P.O. Box 25022, Buhaira Corniche, Emirate of Sarjah, Sharjah, ARE
United Arab Bank PJSC provides financial services. The company is organized into three segments: Wholesale Banking, Retail Banking, and Treasury and capital markets. Wholesale banking handles loans and other credit facilities and deposits and current accounts for corporate and institutional customers. Retail banking handles individual customers' deposits and provides consumer-type loans, overdrafts, credit card facilities, and funds transfer facilities and Treasury and capital markets engaged in investments and interbank treasury operations including transactions for foreign exchange, derivatives, margin FX and hedging strategies Islamic banking services, and others.
60GF Score

Get the complete analysis for ADX:UAB

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

د.إ1.34
Price
د.إ1.25
GF Value