IDLC FinanceDHA:IDLC +0.25%85 FCF Margin % is 225.58% as of Mar. 2026, which is 362% above its 10-year median of 48.87. GuruFocus rates DHA:IDLC with a GF Score™ of 85/100 and a GF Value™ of BDT44.91 (Fairly Valued). The stock has 5 warning signs investors should review. Among 531 Credit Services companies, IDLC Finance ranks better than 96.42% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. IDLC Finance's Free Cash Flow for the
three
months ended in Mar. 2026 was BDT5,419 Mil. IDLC Finance's Revenue for the
three
months ended in Mar. 2026 was BDT2,402 Mil. Therefore, IDLC Finance's FCF Margin % for the quarter that ended in Mar. 2026 was 225.58%.
The historical rank and industry rank for IDLC Finance's FCF Margin % or its related term are showing as below:
DHA:IDLC'
s FCF Margin % Range Over the Past 10 Years
Min: -152.31 Med: 48.87 Max: 312.36
Current: 312.36
During the past 13 years, the highest FCF Margin % of IDLC Finance was 312.36%. The lowest was -152.31%. And the median was 48.87%.
DHA:IDLC's FCF Margin % is ranked better than 96.42% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs DHA:IDLC: 312.36
IDLC Finance FCF Margin % Related Terms
IDLC Finance FCF Margin % Historical Data
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The historical data trend for IDLC Finance'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 Credit Services subindustry, IDLC Finance'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.
IDLC Finance FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IDLC Finance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where IDLC Finance'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.
IDLC Finance (DHA:IDLC) has a FCF Margin % of 225.58% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on IDLC Finance and its competitors. This is 362% above median its historical median of 48.87. According to the industry distribution chart, IDLC Finance ranks #19 out of 531 companies in the Credit Services industry, placing it in the top 3.6%.
Is IDLC Finance's FCF Margin % too high?
IDLC Finance's current FCF Margin % of 225.58% is 362% above median its 10-year median of 48.87. The Credit Services industry median FCF Margin % is 0.24. IDLC Finance's value of 225.58% is 93891.7% above this industry median. Based on the distribution chart, IDLC Finance ranks #19 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, IDLC Finance has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IDLC Finance ranks #19 out of 531 companies for FCF Margin %. This places IDLC Finance in the top 4% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. IDLC Finance's value of 225.58% is 93891.7% above this benchmark. While the company's 10-year median is 48.87 vs. the industry median of 0.24, IDLC Finance 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 Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 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. IDLC Finance's current FCF Margin % of 225.58% is 93891.7% 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 IDLC Finance and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IDLC Finance's current FCF Margin % is 225.58%, which is 362% above median its own 10-year median of 48.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT44.91, compared to a current price of BDT40.80 — trading 9.2% below its estimated fair value. The current FCF Margin % is 225.58%, which is 362% above median its 10-year median of 48.87 and 93891.7% above the Credit Services industry median of 0.24. IDLC Finance's overall GF Score™ is 85/100 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 IDLC Finance (DHA:IDLC), the current FCF Margin % is 225.58% 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 IDLC Finance (DHA:IDLC) Overvalued in 2026?
Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued.
The current stock price of BDT40.80 is trading 9.2% below its estimated GF Value™ of BDT44.91.
GuruFocus considers IDLC Finance to be Fairly Valued.
Key valuation signals for DHA:IDLC:
FCF Margin %: 225.58% (362% above median its 10-year median of 48.87)
GF Value™: BDT44.91 vs. price of BDT40.80 (9.2% below fair value)
Industry Position: 93891.7% above the Credit Services median (#19 of 531)
No single metric tells the full story. See the DHA:IDLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
85GF Score
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