Bank of Zhengzhou Co (FRA:3BZ) FCF Margin %: 199.26% (As of Dec. 2025)


FRA:3BZ Bank of Zhengzhou Co Ltd FRA:3BZ
34 GF Score
Price €0.09
GF Value €0.08
! 6 Warning Signs
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What is Bank of Zhengzhou Co FCF Margin %?

Bank of Zhengzhou Co FRA:3BZ -3.70% 34 FCF Margin % is 199.26% as of Dec. 2025. GuruFocus rates FRA:3BZ with a GF Score™ of 34/100 and a GF Value™ of €0.08. The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Bank of Zhengzhou Co ranks better than 96.41% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Bank of Zhengzhou Co's Free Cash Flow for the three months ended in Dec. 2025 was €560.9 Mil. Bank of Zhengzhou Co's Revenue for the three months ended in Dec. 2025 was €281.5 Mil. Therefore, Bank of Zhengzhou Co's FCF Margin % for the quarter that ended in Dec. 2025 was 199.26%.

As of today, Bank of Zhengzhou Co's current FCF Yield % is 100.21%.

The historical rank and industry rank for Bank of Zhengzhou Co's FCF Margin % or its related term are showing as below:

FRA:3BZ' s FCF Margin % Range Over the Past 10 Years
Min: -366.33   Med: -46.74   Max: 533.75
Current: 278.66


During the past 13 years, the highest FCF Margin % of Bank of Zhengzhou Co was 533.75%. The lowest was -366.33%. And the median was -46.74%.

FRA:3BZ's FCF Margin % is ranked better than
96.41% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs FRA:3BZ: 278.66


Bank of Zhengzhou Co FCF Margin % Related Terms


Bank of Zhengzhou Co FCF Margin % Historical Data

* Premium members only.

The historical data trend for Bank of Zhengzhou Co'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.

Bank of Zhengzhou Co FCF Margin % Chart

Bank of Zhengzhou Co 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 -366.33 -228.11 9.13 72.55 198.48

Bank of Zhengzhou Co Quarterly Data
Sep19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Jun25 Sep25 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 601.35 -109.79 0.00 347.64 199.26

Bank of Zhengzhou Co FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Bank of Zhengzhou Co'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.


Bank of Zhengzhou Co FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Zhengzhou Co's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Bank of Zhengzhou Co's FCF Margin % falls into.


FRA:3BZ
34GF Score
Bank of Zhengzhou Co Ltd FRA:3BZ
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Zhengzhou Co FCF Margin % Calculation

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

Bank of Zhengzhou Co'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 )
=2637.707/1328.971
=198.48 %

Bank of Zhengzhou Co'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 )
=560.944/281.515
=199.26 %

* 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 199.26% mean?
Bank of Zhengzhou Co (FRA:3BZ) has a FCF Margin % of 199.26% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank of Zhengzhou Co and its competitors. According to the industry distribution chart, Bank of Zhengzhou Co ranks #54 out of 1505 companies in the Banks industry, placing it in the top 3.6%.
Is Bank of Zhengzhou Co's FCF Margin % too high?
Bank of Zhengzhou Co's current FCF Margin % is 199.26%. The Banks industry median FCF Margin % is 26.55. Bank of Zhengzhou Co's value of 199.26% is 650.5% above this industry median. Based on the distribution chart, Bank of Zhengzhou Co ranks #54 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Zhengzhou Co has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Zhengzhou Co's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Bank of Zhengzhou Co ranks #54 out of 1505 companies for FCF Margin %. This places Bank of Zhengzhou Co in the top 4% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Bank of Zhengzhou Co's value of 199.26% is 650.5% above this benchmark. 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 26.55, based on 1,505 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. Bank of Zhengzhou Co's current FCF Margin % of 199.26% is 650.5% 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 Bank of Zhengzhou Co and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Zhengzhou Co's current FCF Margin % is 199.26%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Zhengzhou Co stock overvalued right now?
Bank of Zhengzhou Co (FRA:3BZ) has a current FCF Margin % of 199.26%. The stock's GF Value™ is €0.08, compared to a current price of €0.09 — trading 13.8% above its estimated fair value. The current FCF Margin % is 199.26% and 650.5% above the Banks industry median of 26.55. Bank of Zhengzhou Co's overall GF Score™ is 34/100 with 6 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 Bank of Zhengzhou Co (FRA:3BZ), the current FCF Margin % is 199.26% 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 Bank of Zhengzhou Co (FRA:3BZ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Zhengzhou Co stock appears to be overvalued. The current stock price of €0.09 is trading 13.8% above its estimated GF Value™ of €0.08.

Key valuation signals for FRA:3BZ:

  • FCF Margin %: 199.26%
  • GF Value™: €0.08 vs. price of €0.09 (13.8% above fair value)
  • GF Score™: 34/100 with 6 warning signs
  • Industry Position: 650.5% above the Banks median (#54 of 1505)

No single metric tells the full story. See the FRA:3BZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank of Zhengzhou Co Business Description

Other Exchanges 06196:Hong Kong002936:China
Address 248 Queen\'s Road East, 40th Floor, Dah Sing Financial Centre, Wang Chai, Hong Kong, HKG
Bank of Zhengzhou Co Ltd lays emphasis on commercial banking operations in China. The bank functions through the corporate, retail and treasury banking divisions. The corporate banking segment is the majority revenue generating segment for the company with a range of financial products and services tailor-made for corporations, government agencies and financial institutions; The retail banking segment provides similar services to individual customers; The treasury operations comprise of including interbank money market transactions, repurchases transactions and investments and Others. The company derives its revenue from the PRC.
34GF Score

Get the complete analysis for FRA:3BZ

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

€0.09
Price
€0.08
GF Value