Banco de Occidente (BOG:OCCIDENTE) FCF Margin %: 158.31% (As of Sep. 2025)


BOG:OCCIDENTE Banco de Occidente SA BOG:OCCIDENTE
53 GF Score
Price COP19,800.00
GF Value COP19,382.60
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Banco de Occidente FCF Margin %?

Banco de Occidente BOG:OCCIDENTE 53 FCF Margin % is 158.31% as of Sep. 2025. GuruFocus rates BOG:OCCIDENTE with a GF Score™ of 53/100 and a GF Value™ of COP19,382.60 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, Banco de Occidente ranks better than 56.01% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Banco de Occidente's Free Cash Flow for the three months ended in Sep. 2025 was COP1,615,811 Mil. Banco de Occidente's Revenue for the three months ended in Sep. 2025 was COP1,020,673 Mil. Therefore, Banco de Occidente's FCF Margin % for the quarter that ended in Sep. 2025 was 158.31%.

As of today, Banco de Occidente's current FCF Yield % is 39.00%.

The historical rank and industry rank for Banco de Occidente's FCF Margin % or its related term are showing as below:

BOG:OCCIDENTE' s FCF Margin % Range Over the Past 10 Years
Min: -79.88   Med: -6.22   Max: 83.17
Current: 29.85


During the past 13 years, the highest FCF Margin % of Banco de Occidente was 83.17%. The lowest was -79.88%. And the median was -6.22%.

BOG:OCCIDENTE's FCF Margin % is ranked better than
56.01% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs BOG:OCCIDENTE: 29.85


Banco de Occidente FCF Margin % Related Terms


Banco de Occidente FCF Margin % Historical Data

* Premium members only.

The historical data trend for Banco de Occidente'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.

Banco de Occidente FCF Margin % Chart

Banco de Occidente Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 48.71 83.17 -79.88 37.82 -25.96

Banco de Occidente Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 -76.08 73.63 235.10 -344.95 158.31

BOG:OCCIDENTE vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Banco de Occidente'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.


Banco de Occidente FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Banco de Occidente's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Banco de Occidente's FCF Margin % falls into.


BOG:OCCIDENTE
53GF Score
Banco de Occidente SA BOG:OCCIDENTE
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco de Occidente FCF Margin % Calculation

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

Banco de Occidente's FCF Margin for the fiscal year that ended in Dec. 2024 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2024 )/Revenue (A: Dec. 2024 )
=-1007740/3881443
=-25.96 %

Banco de Occidente's FCF Margin for the quarter that ended in Sep. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Sep. 2025 )/Revenue (Q: Sep. 2025 )
=1615811/1020673
=158.31 %

* 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 158.31% mean?
Banco de Occidente (BOG:OCCIDENTE) has a FCF Margin % of 158.31% as of Sep. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco de Occidente and its competitors. According to the industry distribution chart, Banco de Occidente ranks #662 out of 1505 companies in the Banks industry, placing it in the top 44%.
Is Banco de Occidente's FCF Margin % too high?
Banco de Occidente's current FCF Margin % is 158.31%. The Banks industry median FCF Margin % is 26.55. Banco de Occidente's value of 158.31% is 496.3% above this industry median. Based on the distribution chart, Banco de Occidente ranks #662 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Banco de Occidente has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco de Occidente's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco de Occidente ranks #662 out of 1505 companies for FCF Margin %. This puts Banco de Occidente in the upper half of its industry. The industry median FCF Margin % is 26.55. Banco de Occidente's value of 158.31% is 496.3% above this benchmark. 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 1,505 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. Banco de Occidente's current FCF Margin % of 158.31% is 496.3% 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 Banco de Occidente 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. Banco de Occidente's current FCF Margin % is 158.31%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco de Occidente stock overvalued right now?
Based on GuruFocus' analysis, Banco de Occidente (BOG:OCCIDENTE) is currently considered Fairly Valued. The stock's GF Value™ is COP19,382.60, compared to a current price of COP19,800.00 — trading 2.2% above its estimated fair value. The current FCF Margin % is 158.31% and 496.3% above the Banks industry median of 26.55. Banco de Occidente's overall GF Score™ is 53/100 with 3 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 Banco de Occidente (BOG:OCCIDENTE), the current FCF Margin % is 158.31% as of Sep. 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 Banco de Occidente (BOG:OCCIDENTE) Overvalued in 2026?

Based on GuruFocus' analysis, Banco de Occidente stock appears to be overvalued. The current stock price of COP19,800.00 is trading 2.2% above its estimated GF Value™ of COP19,382.60. GuruFocus considers Banco de Occidente to be Fairly Valued.

Key valuation signals for BOG:OCCIDENTE:

  • FCF Margin %: 158.31%
  • GF Value™: COP19,382.60 vs. price of COP19,800.00 (2.2% above fair value)
  • GF Score™: 53/100 with 3 warning signs
  • Industry Position: 496.3% above the Banks median (#662 of 1505)

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


Banco de Occidente Business Description

Address CALLE 107 A No. 54, 95 Apartment, Bogota, COL, 401
Banco de Occidente SA is a Colombia based banking firm. The company offers personal banking services, including current and savings accounts; debit and credit cards; revolving credit, and credit warrant, as well as business banking products and services.
53GF Score

Get the complete analysis for BOG:OCCIDENTE

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

COP19,800.00
Price
COP19,382.60
GF Value