HSBC Bank MaltaMAL:HSB -0.70%53 FCF Margin % is 355.08% as of Dec. 2025, which is 402% above its 10-year median of 70.75. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.31 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,508 Banks companies, HSBC Bank Malta ranks better than 91.98% on this metric.
The historical rank and industry rank for HSBC Bank Malta's FCF Margin % or its related term are showing as below:
MAL:HSB'
s FCF Margin % Range Over the Past 10 Years
Min: -84.62 Med: 70.75 Max: 416.36
Current: 166.38
During the past 13 years, the highest FCF Margin % of HSBC Bank Malta was 416.36%. The lowest was -84.62%. And the median was 70.75%.
MAL:HSB's FCF Margin % is ranked better than 91.98% of 1508
companies
in the Banks industry
Industry Median: 26.355
vs MAL:HSB: 166.38
HSBC Bank Malta FCF Margin % Related Terms
HSBC Bank Malta FCF Margin % Historical Data
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The historical data trend for HSBC Bank Malta'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, HSBC Bank Malta'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.
HSBC Bank Malta FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's FCF Margin % distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta'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.
HSBC Bank Malta (MAL:HSB) has a FCF Margin % of 355.08% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on HSBC Bank Malta and its competitors. This is 402% above median its historical median of 70.75. According to the industry distribution chart, HSBC Bank Malta ranks #121 out of 1508 companies in the Banks industry, placing it in the top 8%.
Is HSBC Bank Malta's FCF Margin % too high?
HSBC Bank Malta's current FCF Margin % of 355.08% is 402% above median its 10-year median of 70.75. The Banks industry median FCF Margin % is 26.36. HSBC Bank Malta's value of 355.08% is 1247.3% above this industry median. Based on the distribution chart, HSBC Bank Malta ranks #121 out of 1508 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #121 out of 1508 companies for FCF Margin %. This places HSBC Bank Malta in the top 8% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.36. HSBC Bank Malta's value of 355.08% is 1247.3% above this benchmark. While the company's 10-year median is 70.75 vs. the industry median of 26.36, HSBC Bank Malta 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 26.36, based on 1,508 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. HSBC Bank Malta's current FCF Margin % of 355.08% is 1247.3% 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 HSBC Bank Malta and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HSBC Bank Malta's current FCF Margin % is 355.08%, which is 402% above median its own 10-year median of 70.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HSBC Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.31, compared to a current price of €1.42 — trading 8.4% above its estimated fair value. The current FCF Margin % is 355.08%, which is 402% above median its 10-year median of 70.75 and 1247.3% above the Banks industry median of 26.36. HSBC Bank Malta's overall GF Score™ is 53/100 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 HSBC Bank Malta (MAL:HSB), the current FCF Margin % is 355.08% 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 HSBC Bank Malta (MAL:HSB) Overvalued in 2026?
Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued.
The current stock price of €1.42 is trading 8.4% above its estimated GF Value™ of €1.31.
GuruFocus considers HSBC Bank Malta to be Fairly Valued.
Key valuation signals for MAL:HSB:
FCF Margin %: 355.08% (402% above median its 10-year median of 70.75)
GF Value™: €1.31 vs. price of €1.42 (8.4% above fair value)
Industry Position: 1247.3% above the Banks median (#121 of 1508)
No single metric tells the full story. See the MAL:HSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).
53GF 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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