Standard Chartered Bank Ghana (XGHA:SCB) Cyclically Adjusted FCF per Share: GHS5.42 (As of Mar. 2026)


XGHA:SCB Standard Chartered Bank Ghana PLC XGHA:SCB
73 GF Score
Price GHS71.00
GF Value GHS34.97
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Standard Chartered Bank Ghana Cyclically Adjusted FCF per Share?

Standard Chartered Bank Ghana XGHA:SCB 73 Cyclically Adjusted FCF per Share is GHS5.42 as of Mar. 2026. GuruFocus rates XGHA:SCB with a GF Score™ of 73/100 and a GF Value™ of GHS34.97 (Significantly Overvalued). The stock has 1 warning sign 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.

Standard Chartered Bank Ghana's adjusted free cash flow per share for the three months ended in Mar. 2026 was GHS-25.671. 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 GHS5.42 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Standard Chartered Bank Ghana's average Cyclically Adjusted FCF Growth Rate was -44.70% 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.

As of today (2026-07-06), Standard Chartered Bank Ghana's current stock price is GHS71.00. Standard Chartered Bank Ghana's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was GHS5.42. Standard Chartered Bank Ghana's Cyclically Adjusted Price-to-FCF of today is 13.10.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Standard Chartered Bank Ghana was 13.17. The lowest was 2.40. And the median was 2.77.


Standard Chartered Bank Ghana  (XGHA:SCB) 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.

Standard Chartered Bank Ghana's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=71.00/5.42
=13.10

* 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 Standard Chartered Bank Ghana was 13.17. The lowest was 2.40. And the median was 2.77.


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.


Standard Chartered Bank Ghana Cyclically Adjusted FCF per Share Related Terms


Standard Chartered Bank Ghana Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Standard Chartered Bank Ghana'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.

Standard Chartered Bank Ghana Cyclically Adjusted FCF per Share Chart

Standard Chartered Bank Ghana 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 0.00 0.00 0.00 9.38 8.27

Standard Chartered Bank Ghana 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 9.80 10.09 11.66 8.27 5.42

XGHA:SCB vs PNC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Standard Chartered Bank Ghana'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.


Standard Chartered Bank Ghana Cyclically Adjusted Price-to-FCF vs Banks Industry

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

* The bar in red indicates where Standard Chartered Bank Ghana's Cyclically Adjusted Price-to-FCF falls into.


XGHA:SCB
73GF Score
Standard Chartered Bank Ghana PLC XGHA:SCB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Standard Chartered Bank Ghana 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, Standard Chartered Bank Ghana'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)
=-25.671/330.2130*330.2130
=-25.671

Current CPI (Mar. 2026) = 330.2130.

Standard Chartered Bank Ghana Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201412 0.000 234.812 0.000
201512 0.000 236.525 0.000
201612 0.000 241.432 0.000
201703 1.396 243.801 1.891
201706 0.095 244.955 0.128
201709 -1.801 246.819 -2.410
201712 2.661 246.524 3.564
201803 1.610 249.554 2.130
201806 2.198 251.989 2.880
201809 -1.313 252.439 -1.718
201812 2.726 251.233 3.583
201903 -2.505 254.202 -3.254
201906 2.502 256.143 3.226
201909 6.044 256.759 7.773
201912 3.208 256.974 4.122
202003 3.898 258.115 4.987
202006 -8.402 257.797 -10.762
202009 11.543 260.280 14.644
202012 -2.378 260.474 -3.015
202103 -1.670 264.877 -2.082
202106 -0.738 271.696 -0.897
202109 10.944 274.310 13.174
202112 7.920 278.802 9.380
202203 4.830 287.504 5.548
202206 5.095 296.311 5.678
202209 3.543 296.808 3.942
202212 -5.617 296.797 -6.249
202303 17.822 301.836 19.498
202306 2.524 305.109 2.732
202309 2.782 307.789 2.985
202312 10.526 306.746 11.331
202403 6.883 312.332 7.277
202406 1.267 314.175 1.332
202409 7.461 315.301 7.814
202412 -29.370 315.605 -30.729
202503 4.815 319.799 4.972
202506 4.225 322.561 4.325
202509 15.627 324.800 15.887
202512 -27.362 324.054 -27.882
202603 -25.671 330.213 -25.671

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 GHS5.42 mean?
Standard Chartered Bank Ghana (XGHA:SCB) has a Cyclically Adjusted FCF per Share of GHS5.42 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 Standard Chartered Bank Ghana and its competitors.
Is Standard Chartered Bank Ghana's Cyclically Adjusted FCF per Share too high?
Standard Chartered Bank Ghana's current Cyclically Adjusted FCF per Share is GHS5.42. Overall, Standard Chartered Bank Ghana has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Chartered Bank Ghana's Cyclically Adjusted FCF per Share compare to PNC?
Standard Chartered Bank Ghana's Cyclically Adjusted FCF per Share of GHS5.42 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 Standard Chartered Bank Ghana and its competitors. Standard Chartered Bank Ghana's current Cyclically Adjusted FCF per Share is GHS5.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Chartered Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Standard Chartered Bank Ghana (XGHA:SCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS34.97, compared to a current price of GHS71.00 — trading 103% above its estimated fair value. The current Cyclically Adjusted FCF per Share is GHS5.42. Standard Chartered Bank Ghana's overall GF Score™ is 73/100 with 1 warning sign 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 Standard Chartered Bank Ghana (XGHA:SCB), the current Cyclically Adjusted FCF per Share is GHS5.42 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 Standard Chartered Bank Ghana (XGHA:SCB) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Chartered Bank Ghana stock appears to be overvalued. The current stock price of GHS71.00 is trading 103% above its estimated GF Value™ of GHS34.97. GuruFocus considers Standard Chartered Bank Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:SCB:

  • Cyclically Adjusted FCF per Share: GHS5.42
  • GF Value™: GHS34.97 vs. price of GHS71.00 (103% above fair value)
  • GF Score™: 73/100 with 1 warning sign

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


Standard Chartered Bank Ghana Business Description

Address 87 Independence Avenue, P.O. Box 768, Standard Chartered Bank Building, Accra, GHA
Standard Chartered Bank Ghana PLC is a banking corporation registered in Ghana. It provides various banking services including personal banking, private banking, and business banking. The company manages its business into three segments namely, Corporate & Investment Banking, Wealth & Retail Banking, Ventures and Central & Other Items. The company's services include savings, loans, mortgages, credit cards, insurance, and investment opportunities for individual customers. It focuses on offering financial solutions to small-medium enterprises, corporates, and financial institutions. Geographically, it operates in Hong Kong, Korea, China, Singapore, UK, and U.S.
73GF Score

Get the complete analysis for XGHA:SCB

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

GHS71.00
Price
GHS34.97
GF Value