QNB Bank ASIST:QNBTR -0.10%41 FCF Margin % is 2.00% as of Mar. 2026, which is 97% below its 10-year median of 65.18. GuruFocus rates IST:QNBTR with a GF Score™ of 41/100 and a GF Value™ of ₺342.65 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,509 Banks companies, QNB Bank AS ranks worse than 89% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. QNB Bank AS's Free Cash Flow for the
three
months ended in Mar. 2026 was ₺941 Mil. QNB Bank AS's Revenue for the
three
months ended in Mar. 2026 was ₺47,007 Mil. Therefore, QNB Bank AS's FCF Margin % for the quarter that ended in Mar. 2026 was 2.00%.
The historical rank and industry rank for QNB Bank AS's FCF Margin % or its related term are showing as below:
IST:QNBTR'
s FCF Margin % Range Over the Past 10 Years
Min: -70.99 Med: 65.18 Max: 113.17
Current: -70.99
During the past 13 years, the highest FCF Margin % of QNB Bank AS was 113.17%. The lowest was -70.99%. And the median was 65.18%.
IST:QNBTR's FCF Margin % is ranked worse than 89% of 1509
companies
in the Banks industry
Industry Median: 26.55
vs IST:QNBTR: -70.99
QNB Bank AS FCF Margin % Related Terms
QNB Bank AS FCF Margin % Historical Data
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The historical data trend for QNB Bank AS'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, QNB Bank AS'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.
QNB Bank AS FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, QNB Bank AS's FCF Margin % distribution charts can be found below:
* The bar in red indicates where QNB Bank AS'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.
QNB Bank AS (IST:QNBTR) has a FCF Margin % of 2.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on QNB Bank AS and its competitors. This is 97% below median its historical median of 65.18. According to the industry distribution chart, QNB Bank AS ranks #1343 out of 1509 companies in the Banks industry, placing it in the top 89%.
Is QNB Bank AS's FCF Margin % too high?
QNB Bank AS's current FCF Margin % of 2.00% is 97% below median its 10-year median of 65.18. The Banks industry median FCF Margin % is 26.55. QNB Bank AS's value of 2.00% is 92.5% below this industry median. Based on the distribution chart, QNB Bank AS ranks #1343 out of 1509 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, QNB Bank AS has a GF Score™ of 41/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does QNB Bank AS's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, QNB Bank AS ranks #1343 out of 1509 companies for FCF Margin %. This places QNB Bank AS in the lower half of its industry. The industry median FCF Margin % is 26.55. QNB Bank AS's value of 2.00% is 92.5% below this benchmark. While the company's 10-year median is 65.18 vs. the industry median of 26.55, QNB Bank AS has consistently been below 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. QNB Bank AS's current FCF Margin % of 2.00% is 92.5% below 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 QNB Bank AS 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. QNB Bank AS's current FCF Margin % is 2.00%, which is 97% below median its own 10-year median of 65.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is QNB Bank AS stock overvalued right now?
Based on GuruFocus' analysis, QNB Bank AS (IST:QNBTR) is currently considered Significantly Undervalued. The stock's GF Value™ is ₺342.65, compared to a current price of ₺208.00 — trading 39.3% below its estimated fair value. The current FCF Margin % is 2.00%, which is 97% below median its 10-year median of 65.18 and 92.5% below the Banks industry median of 26.55. QNB Bank AS's overall GF Score™ is 41/100 with 3 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 QNB Bank AS (IST:QNBTR), the current FCF Margin % is 2.00% 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 QNB Bank AS (IST:QNBTR) Overvalued in 2026?
Based on GuruFocus' analysis, QNB Bank AS stock appears to be undervalued.
The current stock price of ₺208.00 is trading 39.3% below its estimated GF Value™ of ₺342.65.
GuruFocus considers QNB Bank AS to be Significantly Undervalued.
Key valuation signals for IST:QNBTR:
FCF Margin %: 2.00% (97% below median its 10-year median of 65.18)
GF Value™: ₺342.65 vs. price of ₺208.00 (39.3% below fair value)
Industry Position: 92.5% below the Banks median (#1343 of 1509)
No single metric tells the full story. See the IST:QNBTR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
QNB Bank AS offers products and services to its customers in factoring, investment, leasing (financial leasing), insurance, portfolio management services, and e-transformation products. In addition to corporate banking, retail banking and commercial banking services, it also provides private banking, SME banking, treasury operations and credit card services through branches and alternative channels. The company serves its retail banking clients with time and demand deposits, also overdraft services, automatic account services, consumer loans, vehicle loans, housing loans and investment fund services. It provides services including deposit and loans, foreign trade financing, forward and option agreements to its corporate clients.
41GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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