Harbin Bank CoFRA:5H6 -6.06%41 FCF Margin % is 1,581.61% as of Dec. 2025, which is 805% above its 10-year median of 174.70. GuruFocus rates FRA:5H6 with a GF Score™ of 41/100 and a GF Value™ of €0.03. The stock has 5 warning signs investors should review. Among 1,509 Banks companies, Harbin Bank Co ranks better than 98.61% on this metric.
The historical rank and industry rank for Harbin Bank Co's FCF Margin % or its related term are showing as below:
FRA:5H6'
s FCF Margin % Range Over the Past 10 Years
Min: -489.77 Med: 174.7 Max: 491.85
Current: 475.85
During the past 13 years, the highest FCF Margin % of Harbin Bank Co was 491.85%. The lowest was -489.77%. And the median was 174.70%.
FRA:5H6's FCF Margin % is ranked better than 98.61% of 1509
companies
in the Banks industry
Industry Median: 26.55
vs FRA:5H6: 475.85
Harbin Bank Co FCF Margin % Related Terms
Harbin Bank Co FCF Margin % Historical Data
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The historical data trend for Harbin Bank 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.
For the Banks - Regional subindustry, Harbin Bank 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.
Harbin Bank Co FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Harbin Bank Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Harbin Bank Co'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.
Harbin Bank Co (FRA:5H6) has a FCF Margin % of 1,581.61% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Harbin Bank Co and its competitors. This is 805% above median its historical median of 174.70. According to the industry distribution chart, Harbin Bank Co ranks #21 out of 1509 companies in the Banks industry, placing it in the top 1.4%.
Is Harbin Bank Co's FCF Margin % too high?
Harbin Bank Co's current FCF Margin % of 1,581.61% is 805% above median its 10-year median of 174.70. The Banks industry median FCF Margin % is 26.55. Harbin Bank Co's value of 1,581.61% is 5857.1% above this industry median. Based on the distribution chart, Harbin Bank Co ranks #21 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Harbin Bank Co has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Harbin Bank Co ranks #21 out of 1509 companies for FCF Margin %. This places Harbin Bank Co in the top 1% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Harbin Bank Co's value of 1,581.61% is 5857.1% above this benchmark. While the company's 10-year median is 174.70 vs. the industry median of 26.55, Harbin Bank Co 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 26.55, based on 1,509 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. Harbin Bank Co's current FCF Margin % of 1,581.61% is 5857.1% 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 Harbin Bank 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. Harbin Bank Co's current FCF Margin % is 1,581.61%, which is 805% above median its own 10-year median of 174.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harbin Bank Co stock overvalued right now?
Harbin Bank Co (FRA:5H6) has a current FCF Margin % of 1,581.61%. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 3.3% above its estimated fair value. The current FCF Margin % is 1,581.61%, which is 805% above median its 10-year median of 174.70 and 5857.1% above the Banks industry median of 26.55. Harbin Bank Co's overall GF Score™ is 41/100 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 Harbin Bank Co (FRA:5H6), the current FCF Margin % is 1,581.61% 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 Harbin Bank Co (FRA:5H6) Overvalued in 2026?
Based on GuruFocus' analysis, Harbin Bank Co stock appears to be overvalued.
The current stock price of €0.03 is trading 3.3% above its estimated GF Value™ of €0.03.
Key valuation signals for FRA:5H6:
FCF Margin %: 1,581.61% (805% above median its 10-year median of 174.70)
GF Value™: €0.03 vs. price of €0.03 (3.3% above fair value)
Industry Position: 5857.1% above the Banks median (#21 of 1509)
No single metric tells the full story. See the FRA:5H6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Harbin Bank Co Ltd provides deposit services, loan services, payment and settlement services and financial leasing services, as well as other financial services approved by the NFRA. Its segments include Corporate financial business, Retail financial business, Interbank financial business, and Other business. The majority of the revenue is derived from Corporate financial business which provides financial products and services to corporate customers, including deposits, loans, settlement and clearing and other products and services relating to the trading business. Its geographical segments include Heilongjiang region, Other regions in Northeastern China, Southwestern China, and Other regions.
41GF Score
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