Abu Dhabi Commercial Bank (ADX:ADCB) FCF Margin %: 181.50% (As of Mar. 2026) — 57% Above Median

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ADX:ADCB Abu Dhabi Commercial Bank ADX:ADCB
61 GF Score
Price د.إ14.48
GF Value د.إ13.58
Valuation Fairly Valued
! 4 Warning Signs
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What is Abu Dhabi Commercial Bank FCF Margin %?

Abu Dhabi Commercial Bank ADX:ADCB +0.56% 61 FCF Margin % is 181.50% as of Mar. 2026, which is 57% above its 10-year median of 115.66. GuruFocus rates ADX:ADCB with a GF Score™ of 61/100 and a GF Value™ of د.إ13.58 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Abu Dhabi Commercial Bank ranks better than 90.09% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Abu Dhabi Commercial Bank's Free Cash Flow for the three months ended in Mar. 2026 was د.إ9,545 Mil. Abu Dhabi Commercial Bank's Revenue for the three months ended in Mar. 2026 was د.إ5,259 Mil. Therefore, Abu Dhabi Commercial Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 181.50%.

As of today, Abu Dhabi Commercial Bank's current FCF Yield % is 22.37%.

The historical rank and industry rank for Abu Dhabi Commercial Bank's FCF Margin % or its related term are showing as below:

ADX:ADCB' s FCF Margin % Range Over the Past 10 Years
Min: -53.48   Med: 115.66   Max: 296.98
Current: 141.89


During the past 13 years, the highest FCF Margin % of Abu Dhabi Commercial Bank was 296.98%. The lowest was -53.48%. And the median was 115.66%.

ADX:ADCB's FCF Margin % is ranked better than
90.09% of 1504 companies
in the Banks industry
Industry Median: 26.56 vs ADX:ADCB: 141.89


Abu Dhabi Commercial Bank FCF Margin % Related Terms


Abu Dhabi Commercial Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Commercial Bank's FCF Margin % 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.

Abu Dhabi Commercial Bank FCF Margin % Chart

Abu Dhabi Commercial Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 27.71 296.98 134.33 126.30 138.62

Abu Dhabi Commercial Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 198.65 28.23 35.60 1,031.22 181.50

Abu Dhabi Commercial Bank FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Abu Dhabi Commercial Bank's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.


Abu Dhabi Commercial Bank FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Abu Dhabi Commercial Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Abu Dhabi Commercial Bank's FCF Margin % falls into.


ADX:ADCB
61GF Score
Abu Dhabi Commercial Bank ADX:ADCB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Abu Dhabi Commercial Bank FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Abu Dhabi Commercial Bank's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=24694/17814
=138.62 %

Abu Dhabi Commercial Bank's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=9545/5259
=181.50 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 181.50% mean?
Abu Dhabi Commercial Bank (ADX:ADCB) has a FCF Margin % of 181.50% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Abu Dhabi Commercial Bank and its competitors. This is 57% above median its historical median of 115.66. According to the industry distribution chart, Abu Dhabi Commercial Bank ranks #149 out of 1504 companies in the Banks industry, placing it in the top 9.9%.
Is Abu Dhabi Commercial Bank's FCF Margin % too high?
Abu Dhabi Commercial Bank's current FCF Margin % of 181.50% is 57% above median its 10-year median of 115.66. The Banks industry median FCF Margin % is 26.56. Abu Dhabi Commercial Bank's value of 181.50% is 583.4% above this industry median. Based on the distribution chart, Abu Dhabi Commercial Bank ranks #149 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Commercial Bank ranks #149 out of 1504 companies for FCF Margin %. This places Abu Dhabi Commercial Bank in the top 10% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.56. Abu Dhabi Commercial Bank's value of 181.50% is 583.4% above this benchmark. While the company's 10-year median is 115.66 vs. the industry median of 26.56, Abu Dhabi Commercial Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.56, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Commercial Bank's current FCF Margin % of 181.50% is 583.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Abu Dhabi Commercial Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Commercial Bank's current FCF Margin % is 181.50%, which is 57% above median its own 10-year median of 115.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ13.58, compared to a current price of د.إ14.48 — trading 6.6% above its estimated fair value. The current FCF Margin % is 181.50%, which is 57% above median its 10-year median of 115.66 and 583.4% above the Banks industry median of 26.56. Abu Dhabi Commercial Bank's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Abu Dhabi Commercial Bank (ADX:ADCB), the current FCF Margin % is 181.50% 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued. The current stock price of د.إ14.48 is trading 6.6% above its estimated GF Value™ of د.إ13.58. GuruFocus considers Abu Dhabi Commercial Bank to be Fairly Valued.

Key valuation signals for ADX:ADCB:

  • FCF Margin %: 181.50% (57% above median its 10-year median of 115.66)
  • GF Value™: د.إ13.58 vs. price of د.إ14.48 (6.6% above fair value)
  • GF Score™: 61/100 with 4 warning signs
  • Industry Position: 583.4% above the Banks median (#149 of 1504)

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


Abu Dhabi Commercial Bank Business Description

Address Sheikh Zayed Bin Sultan Street, Head Office Building, Plot C- 33, Sector E-11, P. O. Box 939, Abu Dhabi, ARE
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score

Get the complete analysis for ADX:ADCB

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ14.48
Price
د.إ13.58
GF Value