Banco Provincial (CAR:BPV) FCF Margin %: -265.28% (As of Dec. 2025)


CAR:BPV Banco Provincial SA CAR:BPV
85 GF Score
Price VES126.00
GF Value VES32.51
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Banco Provincial FCF Margin %?

Banco Provincial CAR:BPV 85 FCF Margin % is -265.28% as of Dec. 2025. GuruFocus rates CAR:BPV with a GF Score™ of 85/100 and a GF Value™ of VES32.51 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,508 Banks companies, Banco Provincial ranks worse than 59.75% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Banco Provincial's Free Cash Flow for the six months ended in Dec. 2025 was VES-9,635 Mil. Banco Provincial's Revenue for the six months ended in Dec. 2025 was VES3,632 Mil. Therefore, Banco Provincial's FCF Margin % for the quarter that ended in Dec. 2025 was -265.28%.

As of today, Banco Provincial's current FCF Yield % is 0.45%.

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

CAR:BPV' s FCF Margin % Range Over the Past 10 Years
Min: -279.88   Med: 20.93   Max: 90.01
Current: 18.72


During the past 13 years, the highest FCF Margin % of Banco Provincial was 90.01%. The lowest was -279.88%. And the median was 20.93%.

CAR:BPV's FCF Margin % is ranked worse than
59.75% of 1508 companies
in the Banks industry
Industry Median: 26.5 vs CAR:BPV: 18.72


Banco Provincial FCF Margin % Related Terms


Banco Provincial FCF Margin % Historical Data

* Premium members only.

The historical data trend for Banco Provincial'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 Provincial FCF Margin % Chart

Banco Provincial 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 4.83 78.09 -29.28 37.03 53.03

Banco Provincial Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
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 -16,770.76 10.86 -144.81 77.75 -265.28

CAR:BPV vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Banco Provincial'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 Provincial FCF Margin % vs Banks Industry

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

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


CAR:BPV
85GF Score
Banco Provincial SA CAR:BPV
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Provincial FCF Margin % Calculation

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

Banco Provincial'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 )
=26731.326/50406.118
=53.03 %

Banco Provincial's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-9634.961/3631.991
=-265.28 %

* 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 -265.28% mean?
Banco Provincial (CAR:BPV) has a FCF Margin % of -265.28% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco Provincial and its competitors. According to the industry distribution chart, Banco Provincial ranks #901 out of 1508 companies in the Banks industry, placing it in the top 59.7%.
Is Banco Provincial's FCF Margin % too high?
Banco Provincial's current FCF Margin % is -265.28%. Based on the distribution chart, Banco Provincial ranks #901 out of 1508 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Provincial has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Provincial's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Provincial ranks #901 out of 1508 companies for FCF Margin %. This places Banco Provincial in the lower half of its industry. The industry median FCF Margin % is 26.50. 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 1,508 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. 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 Provincial 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. Banco Provincial's current FCF Margin % is -265.28%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Provincial stock overvalued right now?
Based on GuruFocus' analysis, Banco Provincial (CAR:BPV) is currently considered Significantly Overvalued. The stock's GF Value™ is VES32.51, compared to a current price of VES126.00 — trading 287.6% above its estimated fair value. The current FCF Margin % is -265.28%. Banco Provincial's overall GF Score™ is 85/100 with 2 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 Provincial (CAR:BPV), the current FCF Margin % is -265.28% 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 Banco Provincial (CAR:BPV) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Provincial stock appears to be overvalued. The current stock price of VES126.00 is trading 287.6% above its estimated GF Value™ of VES32.51. GuruFocus considers Banco Provincial to be Significantly Overvalued.

Key valuation signals for CAR:BPV:

  • FCF Margin %: -265.28%
  • GF Value™: VES32.51 vs. price of VES126.00 (287.6% above fair value)
  • GF Score™: 85/100 with 2 warning signs

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


Banco Provincial Business Description

Address Volmer Avenue with East Avenue 0, Provincial Financial Center, 14th floor, San Bernardino urbanization, Caracas, VEN
Banco Provincial SA operates as a bank in Venezuela. The company offers Current, Savings, foreign currency accounts, mutual funds, Gold credit cards, classic credit cards, and debit cards. It also provides various banking services, including personal loans, mortgage loans, vehicle loans, and flexible credit to its customers in Venezuela.
85GF Score

Get the complete analysis for CAR:BPV

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

VES126.00
Price
VES32.51
GF Value