Fidelity BankNSA:FBP 71 FCF Margin % is 4.22% as of Mar. 2026, which is 96% below its 10-year median of 110.25. GuruFocus rates NSA:FBP with a GF Score™ of 71/100 and a GF Value™ of ₦14.13 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Fidelity Bank ranks worse than 73.2% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Fidelity Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was ₦10,836 Mil. Fidelity Bank's Revenue for the
three
months ended in Mar. 2026 was ₦257,020 Mil. Therefore, Fidelity Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 4.22%.
The historical rank and industry rank for Fidelity Bank's FCF Margin % or its related term are showing as below:
NSA:FBP'
s FCF Margin % Range Over the Past 10 Years
Min: -149.33 Med: 110.25 Max: 183.25
Current: 1.29
During the past 13 years, the highest FCF Margin % of Fidelity Bank was 183.25%. The lowest was -149.33%. And the median was 110.25%.
NSA:FBP's FCF Margin % is ranked worse than 73.2% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs NSA:FBP: 1.29
Fidelity Bank FCF Margin % Related Terms
Fidelity Bank FCF Margin % Historical Data
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The historical data trend for Fidelity 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, Fidelity 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.
Fidelity Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Fidelity 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.
Fidelity Bank (NSA:FBP) has a FCF Margin % of 4.22% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Fidelity Bank and its competitors. This is 96% below median its historical median of 110.25. According to the industry distribution chart, Fidelity Bank ranks #1101 out of 1504 companies in the Banks industry, placing it in the top 73.2%.
Is Fidelity Bank's FCF Margin % too high?
Fidelity Bank's current FCF Margin % of 4.22% is 96% below median its 10-year median of 110.25. The Banks industry median FCF Margin % is 26.50. Fidelity Bank's value of 4.22% is 84.1% below this industry median. Based on the distribution chart, Fidelity Bank ranks #1101 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, Fidelity Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Fidelity Bank ranks #1101 out of 1504 companies for FCF Margin %. This places Fidelity Bank in the lower half of its industry. The industry median FCF Margin % is 26.50. Fidelity Bank's value of 4.22% is 84.1% below this benchmark. While the company's 10-year median is 110.25 vs. the industry median of 26.50, Fidelity Bank 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 26.50, based on 1,504 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. Fidelity Bank's current FCF Margin % of 4.22% is 84.1% 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 Fidelity Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity Bank's current FCF Margin % is 4.22%, which is 96% below median its own 10-year median of 110.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Modestly Overvalued. The stock's GF Value™ is ₦14.13, compared to a current price of ₦18.15 — trading 28.5% above its estimated fair value. The current FCF Margin % is 4.22%, which is 96% below median its 10-year median of 110.25 and 84.1% below the Banks industry median of 26.50. Fidelity Bank's overall GF Score™ is 71/100 with 4 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 Fidelity Bank (NSA:FBP), the current FCF Margin % is 4.22% 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 Fidelity Bank (NSA:FBP) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued.
The current stock price of ₦18.15 is trading 28.5% above its estimated GF Value™ of ₦14.13.
GuruFocus considers Fidelity Bank to be Modestly Overvalued.
Key valuation signals for NSA:FBP:
FCF Margin %: 4.22% (96% below median its 10-year median of 110.25)
GF Value™: ₦14.13 vs. price of ₦18.15 (28.5% above fair value)
Industry Position: 84.1% below the Banks median (#1101 of 1504)
No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
71GF Score
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