Standard Bank MalawiMSW:STANDARD 84 FCF Margin % is 9.65% as of Dec. 2025, which is 48% below its 10-year median of 18.53. GuruFocus rates MSW:STANDARD with a GF Score™ of 84/100 and a GF Value™ of MWK1,918.44 (Significantly Overvalued). Among 1,505 Banks companies, Standard Bank Malawi ranks better than 72.82% on this metric.
The historical rank and industry rank for Standard Bank Malawi's FCF Margin % or its related term are showing as below:
MSW:STANDARD'
s FCF Margin % Range Over the Past 10 Years
Min: -118.27 Med: 18.53 Max: 67.3
Current: 45.85
During the past 8 years, the highest FCF Margin % of Standard Bank Malawi was 67.30%. The lowest was -118.27%. And the median was 18.53%.
MSW:STANDARD's FCF Margin % is ranked better than 72.82% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs MSW:STANDARD: 45.85
Standard Bank Malawi FCF Margin % Related Terms
Standard Bank Malawi FCF Margin % Historical Data
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The historical data trend for Standard Bank Malawi'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, Standard Bank Malawi'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.
Standard Bank Malawi FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Malawi's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Standard Bank Malawi'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.
Standard Bank Malawi (MSW:STANDARD) has a FCF Margin % of 9.65% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Standard Bank Malawi and its competitors. This is 48% below median its historical median of 18.53. According to the industry distribution chart, Standard Bank Malawi ranks #409 out of 1505 companies in the Banks industry, placing it in the top 27.2%.
Is Standard Bank Malawi's FCF Margin % too high?
Standard Bank Malawi's current FCF Margin % of 9.65% is 48% below median its 10-year median of 18.53. The Banks industry median FCF Margin % is 26.55. Standard Bank Malawi's value of 9.65% is 63.7% below this industry median. Based on the distribution chart, Standard Bank Malawi ranks #409 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Standard Bank Malawi has a GF Score™ of 84/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Malawi's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Malawi ranks #409 out of 1505 companies for FCF Margin %. This puts Standard Bank Malawi in the upper half of its industry. The industry median FCF Margin % is 26.55. Standard Bank Malawi's value of 9.65% is 63.7% below this benchmark. While the company's 10-year median is 18.53 vs. the industry median of 26.55, Standard Bank Malawi 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. Standard Bank Malawi's current FCF Margin % of 9.65% is 63.7% 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 Standard Bank Malawi 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. Standard Bank Malawi's current FCF Margin % is 9.65%, which is 48% below median its own 10-year median of 18.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Malawi stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Malawi (MSW:STANDARD) is currently considered Significantly Overvalued. The stock's GF Value™ is MWK1,918.44, compared to a current price of MWK3,999.45 — trading 108.5% above its estimated fair value. The current FCF Margin % is 9.65%, which is 48% below median its 10-year median of 18.53 and 63.7% below the Banks industry median of 26.55. Standard Bank Malawi's overall GF Score™ is 84/100. 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 Standard Bank Malawi (MSW:STANDARD), the current FCF Margin % is 9.65% 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 Standard Bank Malawi (MSW:STANDARD) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Malawi stock appears to be overvalued.
The current stock price of MWK3,999.45 is trading 108.5% above its estimated GF Value™ of MWK1,918.44.
GuruFocus considers Standard Bank Malawi to be Significantly Overvalued.
Key valuation signals for MSW:STANDARD:
FCF Margin %: 9.65% (48% below median its 10-year median of 18.53)
GF Value™: MWK1,918.44 vs. price of MWK3,999.45 (108.5% above fair value)
Industry Position: 63.7% below the Banks median (#409 of 1505)
No single metric tells the full story. See the MSW:STANDARD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Bank Malawi PLC provides banking services. Its business operations are divided into three segments Corporate and Investment Banking, Personal and Private Banking, Business and Commercial Banking, and Treasury and Capital Management. Services offered by the company include current accounts, savings, deposits, investment savings products, custody, debit cards, consumer loans, mortgages, internet banking, telephone banking, foreign exchange, commodities, debt securities, and equities trading, among others. Its branches are located across Malawi. The Bank offers its services to individual customers and small to medium-sized enterprises.
84GF Score
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