Ajman Bank PJSC (DFM:AJMANBANK) Cyclically Adjusted FCF per Share: د.إ0.12 (As of Jun. 2026)

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DFM:AJMANBANK Ajman Bank PJSC DFM:AJMANBANK
60 GF Score
Price د.إ1.40
GF Value د.إ1.93
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Ajman Bank PJSC Cyclically Adjusted FCF per Share?

Ajman Bank PJSC DFM:AJMANBANK +1.45% 60 Cyclically Adjusted FCF per Share is د.إ0.12 as of Jun. 2026. GuruFocus rates DFM:AJMANBANK with a GF Score™ of 60/100 and a GF Value™ of د.إ1.93 (Modestly Undervalued). The stock has 2 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.

Ajman Bank PJSC's adjusted free cash flow per share for the three months ended in Jun. 2026 was د.إ0.067. 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.إ0.12 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Ajman Bank PJSC's average Cyclically Adjusted FCF Growth Rate was -29.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 2.90% 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 Ajman Bank PJSC was 37.00% per year. The lowest was -28.30% per year. And the median was 0.00% per year.

As of today (2026-08-12), Ajman Bank PJSC's current stock price is د.إ1.40. Ajman Bank PJSC's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was د.إ0.12. Ajman Bank PJSC's Cyclically Adjusted Price-to-FCF of today is 11.67.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Ajman Bank PJSC was 24.86. The lowest was 3.55. And the median was 9.20.


Ajman Bank PJSC  (DFM:AJMANBANK) 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.

Ajman 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
=1.40/0.12
=11.67

* 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 Ajman Bank PJSC was 24.86. The lowest was 3.55. And the median was 9.20.


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.


Ajman Bank PJSC Cyclically Adjusted FCF per Share Related Terms


Ajman Bank PJSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Ajman 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.

Ajman Bank PJSC Cyclically Adjusted FCF per Share Chart

Ajman 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 0.19 0.15 0.18 0.07 0.15

Ajman Bank PJSC 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 0.17 0.16 0.15 0.07 0.12

Ajman Bank PJSC Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Ajman 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.


Ajman Bank PJSC Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


DFM:AJMANBANK
60GF Score
Ajman Bank PJSC DFM:AJMANBANK
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ajman 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, Ajman Bank PJSC'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)
=0.067/333.9520*333.9520
=0.067

Current CPI (Jun. 2026) = 333.9520.

Ajman Bank PJSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -0.174 241.428 -0.241
201612 0.091 241.432 0.126
201703 -0.044 243.801 -0.060
201706 0.311 244.955 0.424
201709 -0.009 246.819 -0.012
201712 0.224 246.524 0.303
201803 0.120 249.554 0.161
201806 -0.100 251.989 -0.133
201809 0.035 252.439 0.046
201812 0.381 251.233 0.506
201903 0.232 254.202 0.305
201906 -0.035 256.143 -0.046
201909 -0.581 256.759 -0.756
201912 -0.125 256.974 -0.162
202003 0.123 258.115 0.159
202006 -0.163 257.797 -0.211
202009 -0.004 260.280 -0.005
202012 -0.405 260.474 -0.519
202103 0.421 264.877 0.531
202106 0.186 271.696 0.229
202109 0.229 274.310 0.279
202112 0.308 278.802 0.369
202203 -0.284 287.504 -0.330
202206 0.033 296.311 0.037
202209 -0.172 296.808 -0.194
202212 -0.001 296.797 -0.001
202303 -0.033 301.836 -0.037
202306 0.044 305.109 0.048
202309 0.144 307.789 0.156
202312 0.128 306.746 0.139
202403 -0.273 312.332 -0.292
202406 0.260 314.175 0.276
202409 0.259 315.301 0.274
202412 -0.124 315.605 -0.131
202503 0.306 319.799 0.320
202506 -0.574 322.561 -0.594
202509 0.136 324.800 0.140
202512 0.777 324.054 0.801
202603 -0.736 330.213 -0.744
202606 0.067 333.952 0.067

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.إ0.12 mean?
Ajman Bank PJSC (DFM:AJMANBANK) has a Cyclically Adjusted FCF per Share of د.إ0.12 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 Ajman Bank PJSC and its competitors.
Is Ajman Bank PJSC's Cyclically Adjusted FCF per Share too high?
Ajman Bank PJSC's current Cyclically Adjusted FCF per Share is د.إ0.12. Overall, Ajman Bank PJSC has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ajman Bank PJSC's Cyclically Adjusted FCF per Share compare to competitors?
Ajman Bank PJSC's Cyclically Adjusted FCF per Share of د.إ0.12 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 Ajman Bank PJSC and its competitors. Ajman Bank PJSC's current Cyclically Adjusted FCF per Share is د.إ0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ajman Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, Ajman Bank PJSC (DFM:AJMANBANK) is currently considered Modestly Undervalued. The stock's GF Value™ is د.إ1.93, compared to a current price of د.إ1.40 — trading 27.5% below its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.12. Ajman Bank PJSC's overall GF Score™ is 60/100 with 2 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 Ajman Bank PJSC (DFM:AJMANBANK), the current Cyclically Adjusted FCF per Share is د.إ0.12 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 Ajman Bank PJSC (DFM:AJMANBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Ajman Bank PJSC stock appears to be undervalued. The current stock price of د.إ1.40 is trading 27.5% below its estimated GF Value™ of د.إ1.93. GuruFocus considers Ajman Bank PJSC to be Modestly Undervalued.

Key valuation signals for DFM:AJMANBANK:

  • Cyclically Adjusted FCF per Share: د.إ0.12
  • GF Value™: د.إ1.93 vs. price of د.إ1.40 (27.5% below fair value)
  • GF Score™: 60/100 with 2 warning signs

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


Ajman Bank PJSC Business Description

Address Union Street, P.O. Box 7770, Ajman Bank Building, Ajman, ARE
Ajman Bank PJSC provides banking products and services in the United Arab Emirates, Gulf countries, and internationally. The principal activities of the bank are to undertake banking, financing and investing activities through various Islamic financing and investment products such as Murabaha, Ijarah, Mudaraba, Musharaka, Wakala and Sukuk. Its business segments are: Consumer banking, Wholesale banking an Treasury. The majority of the company's revenue is derived from the Consumer banking segment, which comprises personal banking and priority banking where various products are offered like private customer current accounts, savings accounts, deposits, credit and debit cards, personal finance and house mortgage.
60GF Score

Get the complete analysis for DFM:AJMANBANK

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

د.إ1.40
Price
د.إ1.93
GF Value