National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) FCF Margin %: 663.00% (As of Mar. 2026) — 1458% Above Median

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.

ADX:NBQ National Bank of Umm Al-Qaiwain PSC ADX:NBQ
56 GF Score
Price د.إ2.93
GF Value د.إ2.60
Valuation Modestly Overvalued
View Full Analysis

What is National Bank of Umm Al-Qaiwain PSC FCF Margin %?

National Bank of Umm Al-Qaiwain PSC ADX:NBQ 56 FCF Margin % is 663.00% as of Mar. 2026, which is 1458% above its 10-year median of 42.56. GuruFocus rates ADX:NBQ with a GF Score™ of 56/100 and a GF Value™ of د.إ2.60 (Modestly Overvalued). Among 1,504 Banks companies, National Bank of Umm Al-Qaiwain PSC ranks better than 91.09% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. National Bank of Umm Al-Qaiwain PSC's Free Cash Flow for the three months ended in Mar. 2026 was د.إ1,496.0 Mil. National Bank of Umm Al-Qaiwain PSC's Revenue for the three months ended in Mar. 2026 was د.إ225.6 Mil. Therefore, National Bank of Umm Al-Qaiwain PSC's FCF Margin % for the quarter that ended in Mar. 2026 was 663.00%.

As of today, National Bank of Umm Al-Qaiwain PSC's current FCF Yield % is 22.90%.

The historical rank and industry rank for National Bank of Umm Al-Qaiwain PSC's FCF Margin % or its related term are showing as below:

ADX:NBQ' s FCF Margin % Range Over the Past 10 Years
Min: -121.13   Med: 42.56   Max: 244.72
Current: 151.04


During the past 13 years, the highest FCF Margin % of National Bank of Umm Al-Qaiwain PSC was 244.72%. The lowest was -121.13%. And the median was 42.56%.

ADX:NBQ's FCF Margin % is ranked better than
91.09% of 1504 companies
in the Banks industry
Industry Median: 26.56 vs ADX:NBQ: 151.04


National Bank of Umm Al-Qaiwain PSC FCF Margin % Related Terms


National Bank of Umm Al-Qaiwain PSC FCF Margin % Historical Data

* Premium members only.

The historical data trend for National Bank of Umm Al-Qaiwain PSC'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.

National Bank of Umm Al-Qaiwain PSC FCF Margin % Chart

National Bank of Umm Al-Qaiwain PSC 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 61.45 116.14 23.66 229.97 -121.13

National Bank of Umm Al-Qaiwain PSC 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 -358.28 512.06 113.65 -887.80 663.00

National Bank of Umm Al-Qaiwain PSC FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, National Bank of Umm Al-Qaiwain PSC'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.


National Bank of Umm Al-Qaiwain PSC FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, National Bank of Umm Al-Qaiwain PSC's FCF Margin % distribution charts can be found below:

* The bar in red indicates where National Bank of Umm Al-Qaiwain PSC's FCF Margin % falls into.


ADX:NBQ
56GF Score
National Bank of Umm Al-Qaiwain PSC ADX:NBQ
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bank of Umm Al-Qaiwain PSC FCF Margin % Calculation

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

National Bank of Umm Al-Qaiwain PSC'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 )
=-934.809/771.758
=-121.13 %

National Bank of Umm Al-Qaiwain PSC'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 )
=1496.041/225.647
=663.00 %

* 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 663.00% mean?
National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) has a FCF Margin % of 663.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on National Bank of Umm Al-Qaiwain PSC and its competitors. This is 1458% above median its historical median of 42.56. According to the industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #134 out of 1504 companies in the Banks industry, placing it in the top 8.9%.
Is National Bank of Umm Al-Qaiwain PSC's FCF Margin % too high?
National Bank of Umm Al-Qaiwain PSC's current FCF Margin % of 663.00% is 1458% above median its 10-year median of 42.56. The Banks industry median FCF Margin % is 26.56. National Bank of Umm Al-Qaiwain PSC's value of 663.00% is 2396.2% above this industry median. Based on the distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #134 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank of Umm Al-Qaiwain PSC has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Umm Al-Qaiwain PSC's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, National Bank of Umm Al-Qaiwain PSC ranks #134 out of 1504 companies for FCF Margin %. This places National Bank of Umm Al-Qaiwain PSC in the top 9% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.56. National Bank of Umm Al-Qaiwain PSC's value of 663.00% is 2396.2% above this benchmark. While the company's 10-year median is 42.56 vs. the industry median of 26.56, National Bank of Umm Al-Qaiwain PSC 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. National Bank of Umm Al-Qaiwain PSC's current FCF Margin % of 663.00% is 2396.2% 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 National Bank of Umm Al-Qaiwain PSC 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. National Bank of Umm Al-Qaiwain PSC's current FCF Margin % is 663.00%, which is 1458% above median its own 10-year median of 42.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Umm Al-Qaiwain PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ2.60, compared to a current price of د.إ2.93 — trading 12.7% above its estimated fair value. The current FCF Margin % is 663.00%, which is 1458% above median its 10-year median of 42.56 and 2396.2% above the Banks industry median of 26.56. National Bank of Umm Al-Qaiwain PSC's overall GF Score™ is 56/100. 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 National Bank of Umm Al-Qaiwain PSC (ADX:NBQ), the current FCF Margin % is 663.00% 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 National Bank of Umm Al-Qaiwain PSC (ADX:NBQ) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Umm Al-Qaiwain PSC stock appears to be overvalued. The current stock price of د.إ2.93 is trading 12.7% above its estimated GF Value™ of د.إ2.60. GuruFocus considers National Bank of Umm Al-Qaiwain PSC to be Modestly Overvalued.

Key valuation signals for ADX:NBQ:

  • FCF Margin %: 663.00% (1458% above median its 10-year median of 42.56)
  • GF Value™: د.إ2.60 vs. price of د.إ2.93 (12.7% above fair value)
  • GF Score™: 56/100
  • Industry Position: 2396.2% above the Banks median (#134 of 1504)

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


National Bank of Umm Al-Qaiwain PSC Business Description

Address King Faisal Street, NBQ Building, P.O. Box 800, Umm Al Qaiwain, ARE
National Bank of Umm Al-Qaiwain PSC provides banking services. The company operates in these segments: Retail and Corporate Banking, Treasury and Investments, and others. The majority of its revenue comes from the Treasury and Investments segment, which comprises dealing room-related money markets, and foreign exchange transactions with other banks and financial institutions.
56GF Score

Get the complete analysis for ADX:NBQ

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

د.إ2.93
Price
د.إ2.60
GF Value