National Credit and Commerce Bank (DHA:NCCBANK) FCF Margin %: 99.47% (As of Jun. 2026) — 296% Above Median

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DHA:NCCBANK National Credit and Commerce Bank PLC DHA:NCCBANK
76 GF Score
Price BDT15.40
GF Value BDT13.31
Valuation Modestly Overvalued
! 5 Warning Signs
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What is National Credit and Commerce Bank FCF Margin %?

National Credit and Commerce Bank DHA:NCCBANK 76 FCF Margin % is 99.47% as of Jun. 2026, which is 296% above its 10-year median of 25.12. GuruFocus rates DHA:NCCBANK with a GF Score™ of 76/100 and a GF Value™ of BDT13.31 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,500 Banks companies, National Credit and Commerce Bank ranks better than 75.2% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. National Credit and Commerce Bank's Free Cash Flow for the three months ended in Jun. 2026 was BDT5,555 Mil. National Credit and Commerce Bank's Revenue for the three months ended in Jun. 2026 was BDT5,585 Mil. Therefore, National Credit and Commerce Bank's FCF Margin % for the quarter that ended in Jun. 2026 was 99.47%.

As of today, National Credit and Commerce Bank's current FCF Yield % is 58.88%.

The historical rank and industry rank for National Credit and Commerce Bank's FCF Margin % or its related term are showing as below:

DHA:NCCBANK' s FCF Margin % Range Over the Past 10 Years
Min: 12   Med: 25.12   Max: 78.34
Current: 51.84


During the past 11 years, the highest FCF Margin % of National Credit and Commerce Bank was 78.34%. The lowest was 12.00%. And the median was 25.12%.

DHA:NCCBANK's FCF Margin % is ranked better than
75.2% of 1500 companies
in the Banks industry
Industry Median: 26.81 vs DHA:NCCBANK: 51.84


National Credit and Commerce Bank FCF Margin % Related Terms


National Credit and Commerce Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for National Credit and Commerce 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.

National Credit and Commerce Bank FCF Margin % Chart

National Credit and Commerce 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 12.00 12.30 66.55 16.69 78.34

National Credit and Commerce 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 -16.45 -66.09 125.19 44.43 99.47

National Credit and Commerce Bank FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, National Credit and Commerce 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.


National Credit and Commerce Bank FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, National Credit and Commerce Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where National Credit and Commerce Bank's FCF Margin % falls into.


DHA:NCCBANK
76GF Score
National Credit and Commerce Bank PLC DHA:NCCBANK
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Credit and Commerce Bank FCF Margin % Calculation

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

National Credit and Commerce 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 )
=15362.92/19610.345
=78.34 %

National Credit and Commerce 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 )
=5554.934/5584.769
=99.47 %

* 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 99.47% mean?
National Credit and Commerce Bank (DHA:NCCBANK) has a FCF Margin % of 99.47% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on National Credit and Commerce Bank and its competitors. This is 296% above median its historical median of 25.12. Over the past decade, National Credit and Commerce Bank's FCF Margin % has ranged from 12.00 to 78.34. According to the industry distribution chart, National Credit and Commerce Bank ranks #372 out of 1500 companies in the Banks industry, placing it in the top 24.8%.
Is National Credit and Commerce Bank's FCF Margin % too high?
National Credit and Commerce Bank's current FCF Margin % of 99.47% is 296% above median its 10-year median of 25.12. Over the past 10 years, this metric has ranged from a low of 12.00 to a high of 78.34. The Banks industry median FCF Margin % is 26.81. National Credit and Commerce Bank's value of 99.47% is 271% above this industry median. Based on the distribution chart, National Credit and Commerce Bank ranks #372 out of 1500 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Credit and Commerce Bank has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Credit and Commerce Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, National Credit and Commerce Bank ranks #372 out of 1500 companies for FCF Margin %. This places National Credit and Commerce Bank in the top 25% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.81. National Credit and Commerce Bank's value of 99.47% is 271% above this benchmark. Historically, National Credit and Commerce Bank's own FCF Margin % has ranged from 12.00 to 78.34 over the past decade. While the company's 10-year median is 25.12 vs. the industry median of 26.81, National Credit and Commerce 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. National Credit and Commerce Bank's current FCF Margin % of 99.47% is 271% 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 National Credit and Commerce 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. National Credit and Commerce Bank's current FCF Margin % is 99.47%, which is 296% above median its own 10-year median of 25.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Credit and Commerce Bank stock overvalued right now?
Based on GuruFocus' analysis, National Credit and Commerce Bank (DHA:NCCBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT13.31, compared to a current price of BDT15.40 — trading 15.7% above its estimated fair value. The current FCF Margin % is 99.47%, which is 296% above median its 10-year median of 25.12 and 271% above the Banks industry median of 26.81. National Credit and Commerce Bank's overall GF Score™ is 76/100 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 National Credit and Commerce Bank (DHA:NCCBANK), the current FCF Margin % is 99.47% 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 National Credit and Commerce Bank (DHA:NCCBANK) Overvalued in 2026?

Based on GuruFocus' analysis, National Credit and Commerce Bank stock appears to be overvalued. The current stock price of BDT15.40 is trading 15.7% above its estimated GF Value™ of BDT13.31. GuruFocus considers National Credit and Commerce Bank to be Modestly Overvalued.

Key valuation signals for DHA:NCCBANK:

  • FCF Margin %: 99.47% (296% above median its 10-year median of 25.12)
  • GF Value™: BDT13.31 vs. price of BDT15.40 (15.7% above fair value)
  • GF Score™: 76/100 with 5 warning signs
  • Industry Position: 271% above the Banks median (#372 of 1500)

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


National Credit and Commerce Bank Business Description

Address 13/1 - 13/2, Toyenbee Circular Road, Motijheel Commercial Area, NCC Bank Bhaban, Dhaka, BGD, 1000
National Credit and Commerce Bank PLC is a commercial bank in Bangladesh. The principal activities of the company are loans and deposit services, personal and commercial banking, trade services, and others to the customers. The company offers a range of services such as Retail Banking, Corporate Banking, NRB banking, and E-banking, among others.
76GF Score

Get the complete analysis for DHA:NCCBANK

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

BDT15.40
Price
BDT13.31
GF Value