Norion Bank AB (FRA:FN1) FCF Margin %: -144.16% (As of Mar. 2026)


FRA:FN1 Norion Bank AB FRA:FN1
50 GF Score
Price €5.42
GF Value €4.02
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Norion Bank AB FCF Margin %?

Norion Bank AB FRA:FN1 -0.91% 50 FCF Margin % is -144.16% as of Mar. 2026. GuruFocus rates FRA:FN1 with a GF Score™ of 50/100 and a GF Value™ of €4.02 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, Norion Bank AB ranks worse than 80.53% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Norion Bank AB's Free Cash Flow for the three months ended in Mar. 2026 was €-121.5 Mil. Norion Bank AB's Revenue for the three months ended in Mar. 2026 was €84.3 Mil. Therefore, Norion Bank AB's FCF Margin % for the quarter that ended in Mar. 2026 was -144.16%.

As of today, Norion Bank AB's current FCF Yield % is -7.95%.

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

FRA:FN1' s FCF Margin % Range Over the Past 10 Years
Min: -433.33   Med: 3.9   Max: 164.53
Current: -23.7


During the past 10 years, the highest FCF Margin % of Norion Bank AB was 164.53%. The lowest was -433.33%. And the median was 3.90%.

FRA:FN1's FCF Margin % is ranked worse than
80.53% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs FRA:FN1: -23.70


Norion Bank AB FCF Margin % Related Terms


Norion Bank AB FCF Margin % Historical Data

* Premium members only.

The historical data trend for Norion Bank AB'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.

Norion Bank AB FCF Margin % Chart

Norion Bank AB 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 -134.47 7.41 63.16 -4.91 33.24

Norion Bank AB Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 79.72 -37.87 12.19 75.52 -144.16

FRA:FN1 vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Norion Bank AB'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.


Norion Bank AB FCF Margin % vs Banks Industry

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

* The bar in red indicates where Norion Bank AB's FCF Margin % falls into.


FRA:FN1
50GF Score
Norion Bank AB FRA:FN1
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Norion Bank AB FCF Margin % Calculation

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

Norion Bank AB'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 )
=114.039/343.125
=33.24 %

Norion Bank AB's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-121.526/84.298
=-144.16 %

* 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 -144.16% mean?
Norion Bank AB (FRA:FN1) has a FCF Margin % of -144.16% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Norion Bank AB and its competitors. According to the industry distribution chart, Norion Bank AB ranks #1212 out of 1505 companies in the Banks industry, placing it in the top 80.5%.
Is Norion Bank AB's FCF Margin % too high?
Norion Bank AB's current FCF Margin % is -144.16%. Based on the distribution chart, Norion Bank AB ranks #1212 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Norion Bank AB has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Norion Bank AB's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Norion Bank AB ranks #1212 out of 1505 companies for FCF Margin %. This places Norion Bank AB in the lower half of its industry. The industry median FCF Margin % is 26.55. 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. 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 Norion Bank AB 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. Norion Bank AB's current FCF Margin % is -144.16%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Norion Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Norion Bank AB (FRA:FN1) is currently considered Significantly Overvalued. The stock's GF Value™ is €4.02, compared to a current price of €5.42 — trading 34.8% above its estimated fair value. The current FCF Margin % is -144.16%. Norion Bank AB's overall GF Score™ is 50/100 with 4 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 Norion Bank AB (FRA:FN1), the current FCF Margin % is -144.16% 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 Norion Bank AB (FRA:FN1) Overvalued in 2026?

Based on GuruFocus' analysis, Norion Bank AB stock appears to be overvalued. The current stock price of €5.42 is trading 34.8% above its estimated GF Value™ of €4.02. GuruFocus considers Norion Bank AB to be Significantly Overvalued.

Key valuation signals for FRA:FN1:

  • FCF Margin %: -144.16%
  • GF Value™: €4.02 vs. price of €5.42 (34.8% above fair value)
  • GF Score™: 50/100 with 4 warning signs

No single metric tells the full story. See the FRA:FN1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Norion Bank AB Business Description

Other Exchanges NORION:SwedenNORIOs:UK
Address Lilla Bommens Torg 11, Goteborg, SWE, 411 09
Norion Bank AB specializes in financing solutions for corporate and private individuals, with particular focus on small and medium-sized companies. The main business is conducted through four segments namely Corporate, Real estate, Consumer and Payments. The Corporate segment includes corporate loans and factoring directed mainly at small and medium-sized companies in a wide range of industries in Sweden, Norway and Finland. The Real estate segment comprises real estate loans focusing on metropolitan areas and university cities in the Nordic region and the Consumer segment offers unsecured loans to private individuals The Payments segment offers payment and checkout solutions for e-commerce and retail chains.
50GF Score

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

€5.42
Price
€4.02
GF Value