National Bank of PakistanKAR:NBP 61 FCF Margin % is 401.42% as of Mar. 2026, which is 109% above its 10-year median of 192.29. GuruFocus rates KAR:NBP with a GF Score™ of 61/100 and a GF Value™ of ₨89.47 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, National Bank of Pakistan ranks better than 91.3% on this metric.
* 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 Bank of Pakistan FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, National Bank of Pakistan'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 Bank of Pakistan FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Pakistan's FCF Margin % distribution charts can be found below:
* The bar in red indicates where National Bank of Pakistan'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.
National Bank of Pakistan (KAR:NBP) has a FCF Margin % of 401.42% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on National Bank of Pakistan and its competitors. This is 109% above median its historical median of 192.29. According to the industry distribution chart, National Bank of Pakistan ranks #131 out of 1505 companies in the Banks industry, placing it in the top 8.7%.
Is National Bank of Pakistan's FCF Margin % too high?
National Bank of Pakistan's current FCF Margin % of 401.42% is 109% above median its 10-year median of 192.29. The Banks industry median FCF Margin % is 26.55. National Bank of Pakistan's value of 401.42% is 1411.9% above this industry median. Based on the distribution chart, National Bank of Pakistan ranks #131 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank of Pakistan has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Pakistan's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, National Bank of Pakistan ranks #131 out of 1505 companies for FCF Margin %. This places National Bank of Pakistan in the top 9% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. National Bank of Pakistan's value of 401.42% is 1411.9% above this benchmark. While the company's 10-year median is 192.29 vs. the industry median of 26.55, National Bank of Pakistan 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 1,505 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. National Bank of Pakistan's current FCF Margin % of 401.42% is 1411.9% 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 Bank of Pakistan 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. National Bank of Pakistan's current FCF Margin % is 401.42%, which is 109% above median its own 10-year median of 192.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Pakistan stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Pakistan (KAR:NBP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨89.47, compared to a current price of ₨201.73 — trading 125.5% above its estimated fair value. The current FCF Margin % is 401.42%, which is 109% above median its 10-year median of 192.29 and 1411.9% above the Banks industry median of 26.55. National Bank of Pakistan's overall GF Score™ is 61/100 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 National Bank of Pakistan (KAR:NBP), the current FCF Margin % is 401.42% 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 National Bank of Pakistan (KAR:NBP) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Pakistan stock appears to be overvalued.
The current stock price of ₨201.73 is trading 125.5% above its estimated GF Value™ of ₨89.47.
GuruFocus considers National Bank of Pakistan to be Significantly Overvalued.
Key valuation signals for KAR:NBP:
FCF Margin %: 401.42% (109% above median its 10-year median of 192.29)
GF Value™: ₨89.47 vs. price of ₨201.73 (125.5% above fair value)
Industry Position: 1411.9% above the Banks median (#131 of 1505)
No single metric tells the full story. See the KAR:NBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Pakistan is a commercial bank that provides banking and related services in Pakistan and overseas. The bank offers diversified banking services across retail, commercial, corporate and investment, Islamic, treasury, and international banking segments. Geographically, it derives a majority of its revenue from Pakistan. Approximately the Bank operates an extensive domestic network of 1,503 branches, including the Export Processing Zone branch in Karachi, and maintains 14 international branches.
61GF Score
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