Citizen Bank International (XNEP:CZBIL) Cyclically Adjusted FCF per Share: NPR47.99 (As of Apr. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XNEP:CZBIL Citizen Bank International Ltd XNEP:CZBIL
66 GF Score
Price NPR201.70
GF Value NPR211.02
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Citizen Bank International Cyclically Adjusted FCF per Share?

Citizen Bank International XNEP:CZBIL +1.36% 66 Cyclically Adjusted FCF per Share is NPR47.99 as of Apr. 2026. GuruFocus rates XNEP:CZBIL with a GF Score™ of 66/100 and a GF Value™ of NPR211.02 (Fairly Valued). 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.

Citizen Bank International's adjusted free cash flow per share for the three months ended in Apr. 2026 was NPR0.993. 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 NPR47.99 for the trailing ten years ended in Apr. 2026.

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 (2026-08-20), Citizen Bank International's current stock price is NPR201.70. Citizen Bank International's Cyclically Adjusted FCF per Share for the quarter that ended in Apr. 2026 was NPR47.99. Citizen Bank International's Cyclically Adjusted Price-to-FCF of today is 4.20.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Citizen Bank International was 4.75. The lowest was 2.42. And the median was 3.72.


Citizen Bank International  (XNEP:CZBIL) 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.

Citizen Bank International's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=201.70/47.99
=4.20

* 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 Citizen Bank International was 4.75. The lowest was 2.42. And the median was 3.72.


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.


Citizen Bank International Cyclically Adjusted FCF per Share Related Terms


Citizen Bank International Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Citizen Bank International'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.

Citizen Bank International Cyclically Adjusted FCF per Share Chart

Citizen Bank International Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 69.58 0.00 0.00 0.00

Citizen Bank International Quarterly Data
Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Jan26 Apr26
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 0.00 0.00 49.68 48.82 47.99

Citizen Bank International Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Citizen Bank International'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.


Citizen Bank International Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


XNEP:CZBIL
66GF Score
Citizen Bank International Ltd XNEP:CZBIL
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citizen Bank International 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, Citizen Bank International's adjusted Free Cash Flow per Share data for the three months ended in Apr. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Apr. 2026 (Change)*Current CPI (Apr. 2026)
=0.993/333.0200*333.0200
=0.993

Current CPI (Apr. 2026) = 333.0200.

Citizen Bank International Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201607 0.000 240.628 0.000
201610 0.000 241.729 0.000
201701 0.000 242.839 0.000
201704 0.000 244.524 0.000
201707 0.000 244.786 0.000
201710 0.000 246.663 0.000
201801 0.000 247.867 0.000
201804 0.000 250.546 0.000
201807 0.000 252.006 0.000
201810 59.506 252.885 78.362
201901 0.000 251.712 0.000
201904 0.000 255.548 0.000
201907 0.000 256.571 0.000
201910 1.210 257.346 1.566
202001 18.074 257.971 23.332
202004 -10.615 256.389 -13.788
202007 -3.350 259.101 -4.306
202010 57.504 260.388 73.544
202101 -33.176 261.582 -42.236
202104 10.324 267.054 12.874
202107 16.522 273.003 20.154
202110 90.864 276.589 109.403
202201 -78.561 281.148 -93.056
202204 22.822 289.109 26.288
202207 55.193 296.276 62.038
202210 -48.036 298.012 -53.679
202301 -3.397 299.170 -3.781
202304 3.395 303.363 3.727
202307 0.000 305.691 0.000
202310 -3.742 307.671 -4.050
202401 40.335 308.417 43.553
202404 0.000 313.548 0.000
202407 0.000 314.540 0.000
202410 -2.453 315.664 -2.588
202501 32.864 317.671 34.452
202504 0.000 320.795 0.000
202507 0.000 323.048 0.000
202510 -4.257 0.000
202601 7.313 325.252 7.488
202604 0.993 333.020 0.993

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 NPR47.99 mean?
Citizen Bank International (XNEP:CZBIL) has a Cyclically Adjusted FCF per Share of NPR47.99 as of Apr. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Citizen Bank International and its competitors.
Is Citizen Bank International's Cyclically Adjusted FCF per Share too high?
Citizen Bank International's current Cyclically Adjusted FCF per Share is NPR47.99. Overall, Citizen Bank International has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizen Bank International's Cyclically Adjusted FCF per Share compare to competitors?
Citizen Bank International's Cyclically Adjusted FCF per Share of NPR47.99 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 Citizen Bank International and its competitors. Citizen Bank International's current Cyclically Adjusted FCF per Share is NPR47.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizen Bank International stock overvalued right now?
Based on GuruFocus' analysis, Citizen Bank International (XNEP:CZBIL) is currently considered Fairly Valued. The stock's GF Value™ is NPR211.02, compared to a current price of NPR201.70 — trading 4.4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is NPR47.99. Citizen Bank International's overall GF Score™ is 66/100 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 Citizen Bank International (XNEP:CZBIL), the current Cyclically Adjusted FCF per Share is NPR47.99 as of Apr. 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 Citizen Bank International (XNEP:CZBIL) Overvalued in 2026?

Based on GuruFocus' analysis, Citizen Bank International stock appears to be undervalued. The current stock price of NPR201.70 is trading 4.4% below its estimated GF Value™ of NPR211.02. GuruFocus considers Citizen Bank International to be Fairly Valued.

Key valuation signals for XNEP:CZBIL:

  • Cyclically Adjusted FCF per Share: NPR47.99
  • GF Value™: NPR211.02 vs. price of NPR201.70 (4.4% below fair value)
  • GF Score™: 66/100 with 1 warning sign

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


Citizen Bank International Business Description

Address Narayanhiti Path, P.O.BOX: 19681, Kathmandu, NPL
Citizen Bank International Ltd operates as a commercial bank. The company provides commercial banking services including agency services, trade finance services, e-commerce services, and trading of gold and silver. Its products include Online Products; Deposits; loans; Cards; and remittances. The operating segments of the group are Banking; Treasury; Cards; and Remittance, of which a majority of revenue is derived from Banking which comprises the product and service of loans and deposits, and generates revenue from interest on a loan.
66GF Score

Get the complete analysis for XNEP:CZBIL

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

NPR201.70
Price
NPR211.02
GF Value