Al Arafah Islami Bank (DHA:ALARABANK) FCF Margin %: 173.13% (As of Jun. 2026) — 154% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

DHA:ALARABANK Al Arafah Islami Bank PLC DHA:ALARABANK
72 GF Score
Price BDT16.50
GF Value BDT17.38
Valuation Fairly Valued
! 3 Warning Signs
View Full Analysis

What is Al Arafah Islami Bank FCF Margin %?

Al Arafah Islami Bank DHA:ALARABANK +1.85% 72 FCF Margin % is 173.13% as of Jun. 2026, which is 154% above its 10-year median of 68.05. GuruFocus rates DHA:ALARABANK with a GF Score™ of 72/100 and a GF Value™ of BDT17.38 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,500 Banks companies, Al Arafah Islami Bank ranks worse than 59.87% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Al Arafah Islami Bank's Free Cash Flow for the three months ended in Jun. 2026 was BDT8,612 Mil. Al Arafah Islami Bank's Revenue for the three months ended in Jun. 2026 was BDT4,974 Mil. Therefore, Al Arafah Islami Bank's FCF Margin % for the quarter that ended in Jun. 2026 was 173.13%.

As of today, Al Arafah Islami Bank's current FCF Yield % is 16.05%.

The historical rank and industry rank for Al Arafah Islami Bank's FCF Margin % or its related term are showing as below:

DHA:ALARABANK' s FCF Margin % Range Over the Past 10 Years
Min: -122.21   Med: 68.05   Max: 99.68
Current: 19.51


During the past 11 years, the highest FCF Margin % of Al Arafah Islami Bank was 99.68%. The lowest was -122.21%. And the median was 68.05%.

DHA:ALARABANK's FCF Margin % is ranked worse than
59.87% of 1500 companies
in the Banks industry
Industry Median: 26.81 vs DHA:ALARABANK: 19.51


Al Arafah Islami Bank FCF Margin % Related Terms


Al Arafah Islami Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Al Arafah Islami Bank'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.

Al Arafah Islami Bank FCF Margin % Chart

Al Arafah Islami Bank 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 -71.03 62.98 -1.38 73.12 83.48

Al Arafah Islami Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 404.89 -235.59 35.77 2.94 173.13

Al Arafah Islami Bank FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Al Arafah Islami 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.


Al Arafah Islami Bank FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Al Arafah Islami Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Al Arafah Islami Bank's FCF Margin % falls into.


DHA:ALARABANK
72GF Score
Al Arafah Islami Bank PLC DHA:ALARABANK
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Al Arafah Islami Bank FCF Margin % Calculation

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

Al Arafah Islami Bank'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 )
=12186.651/14597.513
=83.48 %

Al Arafah Islami Bank's FCF Margin for the quarter that ended in Jun. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=8611.904/4974.12
=173.13 %

* 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 173.13% mean?
Al Arafah Islami Bank (DHA:ALARABANK) has a FCF Margin % of 173.13% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Al Arafah Islami Bank and its competitors. This is 154% above median its historical median of 68.05. According to the industry distribution chart, Al Arafah Islami Bank ranks #898 out of 1500 companies in the Banks industry, placing it in the top 59.9%.
Is Al Arafah Islami Bank's FCF Margin % too high?
Al Arafah Islami Bank's current FCF Margin % of 173.13% is 154% above median its 10-year median of 68.05. The Banks industry median FCF Margin % is 26.81. Al Arafah Islami Bank's value of 173.13% is 545.8% above this industry median. Based on the distribution chart, Al Arafah Islami Bank ranks #898 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, Al Arafah Islami Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Al Arafah Islami Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Al Arafah Islami Bank ranks #898 out of 1500 companies for FCF Margin %. This places Al Arafah Islami Bank in the lower half of its industry. The industry median FCF Margin % is 26.81. Al Arafah Islami Bank's value of 173.13% is 545.8% above this benchmark. While the company's 10-year median is 68.05 vs. the industry median of 26.81, Al Arafah Islami 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 26.81, based on 1,500 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. Al Arafah Islami Bank's current FCF Margin % of 173.13% is 545.8% 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 Al Arafah Islami Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al Arafah Islami Bank's current FCF Margin % is 173.13%, which is 154% above median its own 10-year median of 68.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Arafah Islami Bank stock overvalued right now?
Based on GuruFocus' analysis, Al Arafah Islami Bank (DHA:ALARABANK) is currently considered Fairly Valued. The stock's GF Value™ is BDT17.38, compared to a current price of BDT16.50 — trading 5.1% below its estimated fair value. The current FCF Margin % is 173.13%, which is 154% above median its 10-year median of 68.05 and 545.8% above the Banks industry median of 26.81. Al Arafah Islami Bank's overall GF Score™ is 72/100 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 Al Arafah Islami Bank (DHA:ALARABANK), the current FCF Margin % is 173.13% as of Jun. 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 Al Arafah Islami Bank (DHA:ALARABANK) Overvalued in 2026?

Based on GuruFocus' analysis, Al Arafah Islami Bank stock appears to be undervalued. The current stock price of BDT16.50 is trading 5.1% below its estimated GF Value™ of BDT17.38. GuruFocus considers Al Arafah Islami Bank to be Fairly Valued.

Key valuation signals for DHA:ALARABANK:

  • FCF Margin %: 173.13% (154% above median its 10-year median of 68.05)
  • GF Value™: BDT17.38 vs. price of BDT16.50 (5.1% below fair value)
  • GF Score™: 72/100 with 3 warning signs
  • Industry Position: 545.8% above the Banks median (#898 of 1500)

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


Al Arafah Islami Bank Business Description

Address 63, Purana Paltan, Daynik Bangla Mor, Al-Arafah Tower, 1st & 2nd Floor, Dhaka, BGD, 1000
Al Arafah Islami Bank PLC is a Bangladesh-based company engaged in providing commercial banking, consumer banking, trade finance, and related custody and clearing services. Its deposit products include current, saving, term, and short notice deposits; and marriage savings investment schemes, among others. The principal activities of the Bank are to provide a comprehensive range of financial services including commercial banking, consumer banking, trade finance and other related custody and clearing services to the customers. Geographically, it operates only in Bangladesh. It serves Agriculture; Construction; Power, Gas, Water and Sanitary Services; Transport and communication; Trade services; Storage; Professional & Miscellaneous services and other sectors.
72GF Score

Get the complete analysis for DHA:ALARABANK

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

BDT16.50
Price
BDT17.38
GF Value