AIB GroupAIBGY +1.53%63 FCF Margin % is 181.12% as of Dec. 2025, which is 103% above its 10-year median of 89.24. GuruFocus rates AIBGY with a GF Score™ of 63/100 and a GF Value™ of $14.73 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,504 Banks companies, AIB Group ranks better than 92.95% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. AIB Group's Free Cash Flow for the
six
months ended in Dec. 2025 was $4,842 Mil. AIB Group's Revenue for the
six
months ended in Dec. 2025 was $2,673 Mil. Therefore, AIB Group's FCF Margin % for the quarter that ended in Dec. 2025 was 181.12%.
The historical rank and industry rank for AIB Group's FCF Margin % or its related term are showing as below:
AIBGY'
s FCF Margin % Range Over the Past 10 Years
Min: -159.84 Med: 89.24 Max: 680.53
Current: 183.39
During the past 13 years, the highest FCF Margin % of AIB Group was 680.53%. The lowest was -159.84%. And the median was 89.24%.
AIBGY's FCF Margin % is ranked better than 92.95% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs AIBGY: 183.39
AIB Group FCF Margin % Related Terms
AIB Group FCF Margin % Historical Data
* Premium members only.
The historical data trend for AIB Group'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.
For the Banks - Regional subindustry, AIB Group'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.
AIB Group FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AIB Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where AIB Group's FCF Margin % falls into.
* 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.
AIB Group (AIBGY) has a FCF Margin % of 181.12% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on AIB Group and its competitors. This is 103% above median its historical median of 89.24. According to the industry distribution chart, AIB Group ranks #106 out of 1504 companies in the Banks industry, placing it in the top 7%.
Is AIB Group's FCF Margin % too high?
AIB Group's current FCF Margin % of 181.12% is 103% above median its 10-year median of 89.24. The Banks industry median FCF Margin % is 26.50. AIB Group's value of 181.12% is 583.5% above this industry median. Based on the distribution chart, AIB Group ranks #106 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, AIB Group has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AIB Group's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, AIB Group ranks #106 out of 1504 companies for FCF Margin %. This places AIB Group in the top 7% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. AIB Group's value of 181.12% is 583.5% above this benchmark. While the company's 10-year median is 89.24 vs. the industry median of 26.50, AIB Group 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 26.50, 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. AIB Group's current FCF Margin % of 181.12% is 583.5% 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 AIB Group and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIB Group's current FCF Margin % is 181.12%, which is 103% above median its own 10-year median of 89.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIB Group stock overvalued right now?
Based on GuruFocus' analysis, AIB Group (AIBGY) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.73, compared to a current price of $23.88 — trading 62.1% above its estimated fair value. The current FCF Margin % is 181.12%, which is 103% above median its 10-year median of 89.24 and 583.5% above the Banks industry median of 26.50. AIB Group's overall GF Score™ is 63/100 with 7 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 AIB Group (AIBGY), the current FCF Margin % is 181.12% as of Dec. 2025. 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 AIB Group (AIBGY) Overvalued in 2026?
Based on GuruFocus' analysis, AIB Group stock appears to be overvalued.
The current stock price of $23.88 is trading 62.1% above its estimated GF Value™ of $14.73.
GuruFocus considers AIB Group to be Significantly Overvalued.
Key valuation signals for AIBGY:
FCF Margin %: 181.12% (103% above median its 10-year median of 89.24)
GF Value™: $14.73 vs. price of $23.88 (62.1% above fair value)
Industry Position: 583.5% above the Banks median (#106 of 1504)
No single metric tells the full story. See the AIBGY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIB Group PLC is a banking services company. The company's operating segments are Retail Banking, Capital Markets, AIB UK, Climate & Infrastructure Capital (C&IC), and Group. It generates maximum revenue from the Retail Banking segment. The Retail Banking segment provides products and services through branch, digital, and phone banking channels. It focuses on delivering a seamless and transparent customer experience across all channels, while supporting the development of sustainable businesses within local communities. Geographically, it derives a majority of revenue from Ireland and also has a presence in the United Kingdom and the Rest of the World.
63GF Score
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