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Housing & Development BankCAI:HDBK -1.21%54 FCF Margin % is 162.51% as of Mar. 2026, which is 15% above its 10-year median of 141.77. GuruFocus rates CAI:HDBK with a GF Score™ of 54/100 and a GF Value™ of E£43.62 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,504 Banks companies, Housing & Development Bank ranks better than 93.35% on this metric.
* 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.
Housing & Development Bank FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Housing & Development 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.
Housing & Development Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Housing & Development Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Housing & Development Bank'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.
Housing & Development Bank (CAI:HDBK) has a FCF Margin % of 162.51% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Housing & Development Bank and its competitors. This is 15% above median its historical median of 141.77. According to the industry distribution chart, Housing & Development Bank ranks #100 out of 1504 companies in the Banks industry, placing it in the top 6.6%.
Is Housing & Development Bank's FCF Margin % too high?
Housing & Development Bank's current FCF Margin % of 162.51% is 15% above median its 10-year median of 141.77. The Banks industry median FCF Margin % is 26.56. Housing & Development Bank's value of 162.51% is 511.9% above this industry median. Based on the distribution chart, Housing & Development Bank ranks #100 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Housing & Development Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Housing & Development Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Housing & Development Bank ranks #100 out of 1504 companies for FCF Margin %. This places Housing & Development Bank in the top 7% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.56. Housing & Development Bank's value of 162.51% is 511.9% above this benchmark. While the company's 10-year median is 141.77 vs. the industry median of 26.56, Housing & Development 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. Housing & Development Bank's current FCF Margin % of 162.51% is 511.9% 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 Housing & Development 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. Housing & Development Bank's current FCF Margin % is 162.51%, which is 15% above median its own 10-year median of 141.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Housing & Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Housing & Development Bank (CAI:HDBK) is currently considered Significantly Overvalued. The stock's GF Value™ is E£43.62, compared to a current price of E£77.82 — trading 78.4% above its estimated fair value. The current FCF Margin % is 162.51%, which is 15% above median its 10-year median of 141.77 and 511.9% above the Banks industry median of 26.56. Housing & Development Bank's overall GF Score™ is 54/100 with 5 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 Housing & Development Bank (CAI:HDBK), the current FCF Margin % is 162.51% 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 Housing & Development Bank (CAI:HDBK) Overvalued in 2026?
Based on GuruFocus' analysis, Housing & Development Bank stock appears to be overvalued.
The current stock price of E£77.82 is trading 78.4% above its estimated GF Value™ of E£43.62.
GuruFocus considers Housing & Development Bank to be Significantly Overvalued.
Key valuation signals for CAI:HDBK:
FCF Margin %: 162.51% (15% above median its 10-year median of 141.77)
GF Value™: E£43.62 vs. price of E£77.82 (78.4% above fair value)
Industry Position: 511.9% above the Banks median (#100 of 1504)
No single metric tells the full story. See the CAI:HDBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Housing & Development Bank operates as a bank in the Arab Republic of Egypt. The company provides loans and other services to financial institutions, agricultural institutions, industrial institutions, commercial services, real estate activity, and the government sector. It operates its business in four segments, which are Corporate, medium and small sized enterprise, Investments, Retail, and Other activities. Maximum revenue is generated from the Corporate, medium and small sized enterprise segment, which mainly includes the bank's current accounts (debit/credit), deposits, loans and facilities, financial derivatives, and other financial products and service offerings.
54GF Score
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