Nova Ljubljanska banka dd Ljubljana (LSE:NLB) FCF Margin %: 18.69% (As of Mar. 2026) — 77% Below Median


LSE:NLB Nova Ljubljanska banka dd Ljubljana LSE:NLB
76 GF Score
Price €43.60
GF Value €27.13
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Nova Ljubljanska banka dd Ljubljana FCF Margin %?

Nova Ljubljanska banka dd Ljubljana LSE:NLB -1.02% 76 FCF Margin % is 18.69% as of Mar. 2026, which is 77% below its 10-year median of 82.43. GuruFocus rates LSE:NLB with a GF Score™ of 76/100 and a GF Value™ of €27.13 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Nova Ljubljanska banka dd Ljubljana ranks better than 79.8% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Nova Ljubljanska banka dd Ljubljana's Free Cash Flow for the three months ended in Mar. 2026 was €63 Mil. Nova Ljubljanska banka dd Ljubljana's Revenue for the three months ended in Mar. 2026 was €336 Mil. Therefore, Nova Ljubljanska banka dd Ljubljana's FCF Margin % for the quarter that ended in Mar. 2026 was 18.69%.

As of today, Nova Ljubljanska banka dd Ljubljana's current FCF Yield % is 21.47%.

The historical rank and industry rank for Nova Ljubljanska banka dd Ljubljana's FCF Margin % or its related term are showing as below:

LSE:NLB' s FCF Margin % Range Over the Past 10 Years
Min: -67.13   Med: 82.43   Max: 230.57
Current: 70.67


During the past 11 years, the highest FCF Margin % of Nova Ljubljanska banka dd Ljubljana was 230.57%. The lowest was -67.13%. And the median was 82.43%.

LSE:NLB's FCF Margin % is ranked better than
79.8% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs LSE:NLB: 70.67


Nova Ljubljanska banka dd Ljubljana FCF Margin % Related Terms


Nova Ljubljanska banka dd Ljubljana FCF Margin % Historical Data

* Premium members only.

The historical data trend for Nova Ljubljanska banka dd Ljubljana'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.

Nova Ljubljanska banka dd Ljubljana FCF Margin % Chart

Nova Ljubljanska banka dd Ljubljana 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 203.53 -18.03 116.10 -67.13 26.63

Nova Ljubljanska banka dd Ljubljana 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 -161.67 80.95 38.03 141.48 18.69

LSE:NLB vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Nova Ljubljanska banka dd Ljubljana'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.


Nova Ljubljanska banka dd Ljubljana FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Nova Ljubljanska banka dd Ljubljana's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Nova Ljubljanska banka dd Ljubljana's FCF Margin % falls into.


LSE:NLB
76GF Score
Nova Ljubljanska banka dd Ljubljana LSE:NLB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Nova Ljubljanska banka dd Ljubljana FCF Margin % Calculation

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

Nova Ljubljanska banka dd Ljubljana'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 )
=361.403/1357.119
=26.63 %

Nova Ljubljanska banka dd Ljubljana'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 )
=62.824/336.183
=18.69 %

* 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 18.69% mean?
Nova Ljubljanska banka dd Ljubljana (LSE:NLB) has a FCF Margin % of 18.69% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nova Ljubljanska banka dd Ljubljana and its competitors. This is 77% below median its historical median of 82.43. According to the industry distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #304 out of 1505 companies in the Banks industry, placing it in the top 20.2%.
Is Nova Ljubljanska banka dd Ljubljana's FCF Margin % too high?
Nova Ljubljanska banka dd Ljubljana's current FCF Margin % of 18.69% is 77% below median its 10-year median of 82.43. The Banks industry median FCF Margin % is 26.55. Nova Ljubljanska banka dd Ljubljana's value of 18.69% is 29.6% below this industry median. Based on the distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #304 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Nova Ljubljanska banka dd Ljubljana has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Nova Ljubljanska banka dd Ljubljana's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Nova Ljubljanska banka dd Ljubljana ranks #304 out of 1505 companies for FCF Margin %. This places Nova Ljubljanska banka dd Ljubljana in the top 20% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Nova Ljubljanska banka dd Ljubljana's value of 18.69% is 29.6% below this benchmark. While the company's 10-year median is 82.43 vs. the industry median of 26.55, Nova Ljubljanska banka dd Ljubljana 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 1,505 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. Nova Ljubljanska banka dd Ljubljana's current FCF Margin % of 18.69% is 29.6% 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 Nova Ljubljanska banka dd Ljubljana 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. Nova Ljubljanska banka dd Ljubljana's current FCF Margin % is 18.69%, which is 77% below median its own 10-year median of 82.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nova Ljubljanska banka dd Ljubljana stock overvalued right now?
Based on GuruFocus' analysis, Nova Ljubljanska banka dd Ljubljana (LSE:NLB) is currently considered Significantly Overvalued. The stock's GF Value™ is €27.13, compared to a current price of €43.60 — trading 60.7% above its estimated fair value. The current FCF Margin % is 18.69%, which is 77% below median its 10-year median of 82.43 and 29.6% below the Banks industry median of 26.55. Nova Ljubljanska banka dd Ljubljana's overall GF Score™ is 76/100 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 Nova Ljubljanska banka dd Ljubljana (LSE:NLB), the current FCF Margin % is 18.69% 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 Nova Ljubljanska banka dd Ljubljana (LSE:NLB) Overvalued in 2026?

Based on GuruFocus' analysis, Nova Ljubljanska banka dd Ljubljana stock appears to be overvalued. The current stock price of €43.60 is trading 60.7% above its estimated GF Value™ of €27.13. GuruFocus considers Nova Ljubljanska banka dd Ljubljana to be Significantly Overvalued.

Key valuation signals for LSE:NLB:

  • FCF Margin %: 18.69% (77% below median its 10-year median of 82.43)
  • GF Value™: €27.13 vs. price of €43.60 (60.7% above fair value)
  • GF Score™: 76/100 with 6 warning signs
  • Industry Position: 29.6% below the Banks median (#304 of 1505)

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


Nova Ljubljanska banka dd Ljubljana Business Description

Address Trg republike 2, Ljubljana, SVN, 1000
Nova Ljubljanska banka dd Ljubljana is a Slovenia-based entity providing universal banking services. It is a principal provider of banking products, asset management, and insurance products. The company has six operating segments: Retail Banking in Slovenia, Corporate and Investment Banking in Slovenia, Strategic Foreign Markets, Financial Markets in Slovenia, Non-Core Members, and Other Activities. Geographically, the company operates in Slovenia, Southeast Europe (North Macedonia, Serbia, Montenegro, Croatia, Bosnia & Herzegovina, and Kosovo), and Western Europe (Germany and Switzerland). Geographically, the company generates the majority of its revenue from Slovenia.
76GF Score

Get the complete analysis for LSE:NLB

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

€43.60
Price
€27.13
GF Value