FCF Margin % is calculated as Free Cash Flow divided by its Revenue. HFCB Group's Free Cash Flow for the
three
months ended in Mar. 2026 was KES0 Mil. HFCB Group's Revenue for the
three
months ended in Mar. 2026 was KES1,835 Mil. Therefore, HFCB Group's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.
The historical rank and industry rank for HFCB Group's FCF Margin % or its related term are showing as below:
NAI:HFCK'
s FCF Margin % Range Over the Past 10 Years
Min: -121.57 Med: 10.58 Max: 176.21
Current: -28.73
During the past 13 years, the highest FCF Margin % of HFCB Group was 176.21%. The lowest was -121.57%. And the median was 10.58%.
NAI:HFCK's FCF Margin % is ranked worse than 81.5% of 1508
companies
in the Banks industry
Industry Median: 26.355
vs NAI:HFCK: -28.73
HFCB Group FCF Margin % Related Terms
HFCB Group FCF Margin % Historical Data
* Premium members only.
The historical data trend for HFCB Group'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, HFCB Group'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.
HFCB Group FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HFCB Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where HFCB Group'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.
HFCB Group (NAI:HFCK) has a FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on HFCB Group and its competitors. According to the industry distribution chart, HFCB Group ranks #1229 out of 1508 companies in the Banks industry, placing it in the top 81.5%.
Is HFCB Group's FCF Margin % too high?
HFCB Group's current FCF Margin % is 0.00%. Based on the distribution chart, HFCB Group ranks #1229 out of 1508 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, HFCB Group has a GF Score™ of 30/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HFCB Group's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, HFCB Group ranks #1229 out of 1508 companies for FCF Margin %. This places HFCB Group in the lower half of its industry. The industry median FCF Margin % is 26.36. 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. 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 HFCB Group 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. HFCB Group's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFCB Group stock overvalued right now?
Based on GuruFocus' analysis, HFCB Group (NAI:HFCK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES2.21, compared to a current price of KES9.78 — trading 342.5% above its estimated fair value. The current FCF Margin % is 0.00%. HFCB Group's overall GF Score™ is 30/100 with 1 warning sign 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 HFCB Group (NAI:HFCK), the current FCF Margin % is 0.00% 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 HFCB Group (NAI:HFCK) Overvalued in 2026?
Based on GuruFocus' analysis, HFCB Group stock appears to be overvalued.
The current stock price of KES9.78 is trading 342.5% above its estimated GF Value™ of KES2.21.
GuruFocus considers HFCB Group to be Significantly Overvalued.
Key valuation signals for NAI:HFCK:
FCF Margin %: 0.00%
GF Value™: KES2.21 vs. price of KES9.78 (342.5% above fair value)
No single metric tells the full story. See the NAI:HFCK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFCB Group PLC is an integrated financial and Property solutions provider. It has diversified from being a mortgage financier to a provider of integrated financial solutions with interests in banking, property, and insurance. Its services are Save & Invest, Borrow, Insure, Move Money & Trade, and Own a Home.
30GF Score
Get the complete analysis for NAI:HFCK
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NAI:HFCK has been successfully added to your 
