APS BankMAL:APS -0.88%20 FCF Margin % is 110.43% as of Dec. 2025, which is 44% above its 10-year median of 76.62. GuruFocus rates MAL:APS with a GF Score™ of 20/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, APS Bank ranks better than 86.98% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. APS Bank's Free Cash Flow for the
six
months ended in Dec. 2025 was €53.56 Mil. APS Bank's Revenue for the
six
months ended in Dec. 2025 was €48.50 Mil. Therefore, APS Bank's FCF Margin % for the quarter that ended in Dec. 2025 was 110.43%.
The historical rank and industry rank for APS Bank's FCF Margin % or its related term are showing as below:
MAL:APS'
s FCF Margin % Range Over the Past 10 Years
Min: -90.22 Med: 76.62 Max: 248.86
Current: 112.09
During the past 5 years, the highest FCF Margin % of APS Bank was 248.86%. The lowest was -90.22%. And the median was 76.62%.
MAL:APS's FCF Margin % is ranked better than 86.98% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs MAL:APS: 112.09
APS Bank FCF Margin % Related Terms
APS Bank FCF Margin % Historical Data
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The historical data trend for APS Bank'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, APS Bank'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.
APS Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where APS Bank'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.
APS Bank (MAL:APS) has a FCF Margin % of 110.43% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on APS Bank and its competitors. This is 44% above median its historical median of 76.62. According to the industry distribution chart, APS Bank ranks #196 out of 1505 companies in the Banks industry, placing it in the top 13%.
Is APS Bank's FCF Margin % too high?
APS Bank's current FCF Margin % of 110.43% is 44% above median its 10-year median of 76.62. The Banks industry median FCF Margin % is 26.55. APS Bank's value of 110.43% is 315.9% above this industry median. Based on the distribution chart, APS Bank ranks #196 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, APS Bank has a GF Score™ of 20/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #196 out of 1505 companies for FCF Margin %. This places APS Bank in the top 13% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. APS Bank's value of 110.43% is 315.9% above this benchmark. While the company's 10-year median is 76.62 vs. the industry median of 26.55, APS Bank 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. APS Bank's current FCF Margin % of 110.43% is 315.9% 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 APS Bank 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. APS Bank's current FCF Margin % is 110.43%, which is 44% above median its own 10-year median of 76.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 7.4% below its estimated fair value. The current FCF Margin % is 110.43%, which is 44% above median its 10-year median of 76.62 and 315.9% above the Banks industry median of 26.55. APS Bank's overall GF Score™ is 20/100 with 7 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 APS Bank (MAL:APS), the current FCF Margin % is 110.43% 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.57 is trading 7.4% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
FCF Margin %: 110.43% (44% above median its 10-year median of 76.62)
GF Value™: €0.61 vs. price of €0.57 (7.4% below fair value)
Industry Position: 315.9% above the Banks median (#196 of 1505)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
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