National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) FCF Margin %: 3.52% (As of Mar. 2026) — 94% Below Median


ADX:RAKBANK National Bank of Ras Al-Khaimah PSC ADX:RAKBANK
58 GF Score
Price د.إ9.06
GF Value د.إ7.50
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is National Bank of Ras Al-Khaimah PSC FCF Margin %?

National Bank of Ras Al-Khaimah PSC ADX:RAKBANK +0.44% 58 FCF Margin % is 3.52% as of Mar. 2026, which is 94% below its 10-year median of 58.21. GuruFocus rates ADX:RAKBANK with a GF Score™ of 58/100 and a GF Value™ of د.إ7.50 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,509 Banks companies, National Bank of Ras Al-Khaimah PSC ranks better than 84.89% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. National Bank of Ras Al-Khaimah PSC's Free Cash Flow for the three months ended in Mar. 2026 was د.إ46 Mil. National Bank of Ras Al-Khaimah PSC's Revenue for the three months ended in Mar. 2026 was د.إ1,316 Mil. Therefore, National Bank of Ras Al-Khaimah PSC's FCF Margin % for the quarter that ended in Mar. 2026 was 3.52%.

As of today, National Bank of Ras Al-Khaimah PSC's current FCF Yield % is 27.23%.

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

ADX:RAKBANK' s FCF Margin % Range Over the Past 10 Years
Min: -9.14   Med: 58.21   Max: 176.17
Current: 96.18


During the past 13 years, the highest FCF Margin % of National Bank of Ras Al-Khaimah PSC was 176.17%. The lowest was -9.14%. And the median was 58.21%.

ADX:RAKBANK's FCF Margin % is ranked better than
84.89% of 1509 companies
in the Banks industry
Industry Median: 26.55 vs ADX:RAKBANK: 96.18


National Bank of Ras Al-Khaimah PSC FCF Margin % Related Terms


National Bank of Ras Al-Khaimah PSC FCF Margin % Historical Data

* Premium members only.

The historical data trend for National Bank of Ras Al-Khaimah 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 Ras Al-Khaimah PSC FCF Margin % Chart

National Bank of Ras Al-Khaimah 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 -9.14 176.17 94.52 72.78 109.37

National Bank of Ras Al-Khaimah 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 54.63 58.88 -7.13 337.88 3.52

National Bank of Ras Al-Khaimah PSC FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, National Bank of Ras Al-Khaimah 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 Ras Al-Khaimah PSC FCF Margin % vs Banks Industry

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

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


ADX:RAKBANK
58GF Score
National Bank of Ras Al-Khaimah PSC ADX:RAKBANK
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Bank of Ras Al-Khaimah 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 Ras Al-Khaimah 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 )
=5615.616/5134.53
=109.37 %

National Bank of Ras Al-Khaimah 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 )
=46.279/1316.147
=3.52 %

* 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 3.52% mean?
National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) has a FCF Margin % of 3.52% 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 Ras Al-Khaimah PSC and its competitors. This is 94% below median its historical median of 58.21. According to the industry distribution chart, National Bank of Ras Al-Khaimah PSC ranks #228 out of 1509 companies in the Banks industry, placing it in the top 15.1%.
Is National Bank of Ras Al-Khaimah PSC's FCF Margin % too high?
National Bank of Ras Al-Khaimah PSC's current FCF Margin % of 3.52% is 94% below median its 10-year median of 58.21. The Banks industry median FCF Margin % is 26.55. National Bank of Ras Al-Khaimah PSC's value of 3.52% is 86.7% below this industry median. Based on the distribution chart, National Bank of Ras Al-Khaimah PSC ranks #228 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank of Ras Al-Khaimah PSC has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Ras Al-Khaimah PSC's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, National Bank of Ras Al-Khaimah PSC ranks #228 out of 1509 companies for FCF Margin %. This places National Bank of Ras Al-Khaimah PSC in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. National Bank of Ras Al-Khaimah PSC's value of 3.52% is 86.7% below this benchmark. While the company's 10-year median is 58.21 vs. the industry median of 26.55, National Bank of Ras Al-Khaimah PSC has consistently been below 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 26.55, based on 1,509 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 Ras Al-Khaimah PSC's current FCF Margin % of 3.52% is 86.7% below 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 Ras Al-Khaimah PSC and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Ras Al-Khaimah PSC's current FCF Margin % is 3.52%, which is 94% below median its own 10-year median of 58.21. 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 Ras Al-Khaimah PSC stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is د.إ7.50, compared to a current price of د.إ9.06 — trading 20.8% above its estimated fair value. The current FCF Margin % is 3.52%, which is 94% below median its 10-year median of 58.21 and 86.7% below the Banks industry median of 26.55. National Bank of Ras Al-Khaimah PSC's overall GF Score™ is 58/100 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 National Bank of Ras Al-Khaimah PSC (ADX:RAKBANK), the current FCF Margin % is 3.52% 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 Ras Al-Khaimah PSC (ADX:RAKBANK) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of Ras Al-Khaimah PSC stock appears to be overvalued. The current stock price of د.إ9.06 is trading 20.8% above its estimated GF Value™ of د.إ7.50. GuruFocus considers National Bank of Ras Al-Khaimah PSC to be Modestly Overvalued.

Key valuation signals for ADX:RAKBANK:

  • FCF Margin %: 3.52% (94% below median its 10-year median of 58.21)
  • GF Value™: د.إ7.50 vs. price of د.إ9.06 (20.8% above fair value)
  • GF Score™: 58/100 with 4 warning signs
  • Industry Position: 86.7% below the Banks median (#228 of 1509)

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


National Bank of Ras Al-Khaimah PSC Business Description

Address Exit No. 129, Sheikh Mohammed Bin Zayed Road, P.O. Box 5300, Ras Al-Khaimah, ARE
National Bank of Ras Al-Khaimah PSC is engaged in providing retail and commercial banking services in the UAE. The bank has operating segments, namely Retail Banking, Wholesale Banking, Business Banking, Head office & Others. It generates maximum revenue from the Wholesale banking segment, which represents transactions with corporate bodies, including government and public bodies, and comprises loans, advances, deposits, and trade finance transactions of corporate customers and financial institutions.
58GF Score

Get the complete analysis for ADX:RAKBANK

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

د.إ9.06
Price
د.إ7.50
GF Value