GFH Bank BSC (DFM:GFH) Cyclically Adjusted FCF per Share: د.إ0.54 (As of Mar. 2026)


DFM:GFH GFH Bank BSC DFM:GFH
51 GF Score
Price د.إ2.12
GF Value د.إ1.69
Valuation Modestly Overvalued
! 5 Warning Signs
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What is GFH Bank BSC Cyclically Adjusted FCF per Share?

GFH Bank BSC DFM:GFH +1.44% 51 Cyclically Adjusted FCF per Share is د.إ0.54 as of Mar. 2026. GuruFocus rates DFM:GFH with a GF Score™ of 51/100 and a GF Value™ of د.إ1.69 (Modestly Overvalued). The stock has 5 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.

GFH Bank BSC's adjusted free cash flow per share for the three months ended in Mar. 2026 was د.إ0.231. 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.إ0.54 for the trailing ten years ended in Mar. 2026.

During the past 12 months, GFH Bank BSC's average Cyclically Adjusted FCF Growth Rate was 25.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 11.90% 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 GFH Bank BSC was 14.50% per year. The lowest was 11.90% per year. And the median was 13.20% per year.

As of today (2026-07-07), GFH Bank BSC's current stock price is د.إ2.12. GFH Bank BSC's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was د.إ0.54. GFH Bank BSC's Cyclically Adjusted Price-to-FCF of today is 3.93.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of GFH Bank BSC was 4.80. The lowest was 2.03. And the median was 3.00.


GFH Bank BSC  (DFM:GFH) 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.

GFH Bank BSC's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=2.12/0.54
=3.93

* 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 GFH Bank BSC was 4.80. The lowest was 2.03. And the median was 3.00.


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.


GFH Bank BSC Cyclically Adjusted FCF per Share Related Terms


GFH Bank BSC Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for GFH Bank BSC'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.

GFH Bank BSC Cyclically Adjusted FCF per Share Chart

GFH Bank BSC 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 0.29 0.37 0.45 0.46 0.51

GFH Bank BSC 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 0.43 0.48 0.47 0.51 0.54

DFM:GFH vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, GFH Bank BSC'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.


GFH Bank BSC Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


DFM:GFH
51GF Score
GFH Bank BSC DFM:GFH
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

GFH Bank BSC 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, GFH Bank BSC'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)
=0.231/330.2130*330.2130
=0.231

Current CPI (Mar. 2026) = 330.2130.

GFH Bank BSC Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.148 241.018 -0.203
201609 0.181 241.428 0.248
201612 0.178 241.432 0.243
201703 -0.004 243.801 -0.005
201706 0.133 244.955 0.179
201709 -0.029 246.819 -0.039
201712 0.026 246.524 0.035
201803 -0.084 249.554 -0.111
201806 0.035 251.989 0.046
201809 0.300 252.439 0.392
201812 0.211 251.233 0.277
201903 0.485 254.202 0.630
201906 0.250 256.143 0.322
201909 0.110 256.759 0.141
201912 -0.348 256.974 -0.447
202003 -0.138 258.115 -0.177
202006 0.323 257.797 0.414
202009 0.009 260.280 0.011
202012 0.188 260.474 0.238
202103 -0.027 264.877 -0.034
202106 0.329 271.696 0.400
202109 0.209 274.310 0.252
202112 0.310 278.802 0.367
202203 0.123 287.504 0.141
202206 0.056 296.311 0.062
202209 -0.053 296.808 -0.059
202212 0.609 296.797 0.678
202303 0.588 301.836 0.643
202306 0.248 305.109 0.268
202309 -0.247 307.789 -0.265
202312 0.444 306.746 0.478
202403 -0.332 312.332 -0.351
202406 0.268 314.175 0.282
202409 -0.501 315.301 -0.525
202412 0.124 315.605 0.130
202503 0.265 319.799 0.274
202506 0.146 322.561 0.149
202509 -0.158 324.800 -0.161
202512 0.214 324.054 0.218
202603 0.231 330.213 0.231

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.إ0.54 mean?
GFH Bank BSC (DFM:GFH) has a Cyclically Adjusted FCF per Share of د.إ0.54 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 GFH Bank BSC and its competitors.
Is GFH Bank BSC's Cyclically Adjusted FCF per Share too high?
GFH Bank BSC's current Cyclically Adjusted FCF per Share is د.إ0.54. Overall, GFH Bank BSC has a GF Score™ of 51/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GFH Bank BSC's Cyclically Adjusted FCF per Share compare to PNC and USB?
GFH Bank BSC's Cyclically Adjusted FCF per Share of د.إ0.54 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 GFH Bank BSC and its competitors. GFH Bank BSC's current Cyclically Adjusted FCF per Share is د.إ0.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GFH Bank BSC stock overvalued right now?
Based on GuruFocus' analysis, GFH Bank BSC (DFM:GFH) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ1.69, compared to a current price of د.إ2.12 — trading 25.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is د.إ0.54. GFH Bank BSC's overall GF Score™ is 51/100 with 5 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 GFH Bank BSC (DFM:GFH), the current Cyclically Adjusted FCF per Share is د.إ0.54 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 GFH Bank BSC (DFM:GFH) Overvalued in 2026?

Based on GuruFocus' analysis, GFH Bank BSC stock appears to be overvalued. The current stock price of د.إ2.12 is trading 25.4% above its estimated GF Value™ of د.إ1.69. GuruFocus considers GFH Bank BSC to be Modestly Overvalued.

Key valuation signals for DFM:GFH:

  • Cyclically Adjusted FCF per Share: د.إ0.54
  • GF Value™: د.إ1.69 vs. price of د.إ2.12 (25.4% above fair value)
  • GF Score™: 51/100 with 5 warning signs

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


GFH Bank BSC Business Description

Address Road: 4626, 2nd Floor, Bahrain Harbors, Block: 346, Manama, BHR
GFH Bank BSC is a regional financial institution that provides banking and investment solutions across its key business lines, including Wealth and Investment Management, Credit and Financing, and Treasury and Proprietary Investments.
51GF Score

Get the complete analysis for DFM:GFH

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

د.إ2.12
Price
د.إ1.69
GF Value