Islandsbanki hf (OISE:ISB) FCF Margin %: 28.75% (As of Mar. 2026)


OISE:ISB Islandsbanki hf OISE:ISB
73 GF Score
Price kr141.80
GF Value kr145.34
Valuation Fairly Valued
! 3 Warning Signs
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What is Islandsbanki hf FCF Margin %?

Islandsbanki hf OISE:ISB -0.14% 73 FCF Margin % is 28.75% as of Mar. 2026. GuruFocus rates OISE:ISB with a GF Score™ of 73/100 and a GF Value™ of kr145.34 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,504 Banks companies, Islandsbanki hf ranks worse than 78.13% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Islandsbanki hf's Free Cash Flow for the three months ended in Mar. 2026 was kr5,850 Mil. Islandsbanki hf's Revenue for the three months ended in Mar. 2026 was kr20,346 Mil. Therefore, Islandsbanki hf's FCF Margin % for the quarter that ended in Mar. 2026 was 28.75%.

As of today, Islandsbanki hf's current FCF Yield % is -3.72%.

The historical rank and industry rank for Islandsbanki hf's FCF Margin % or its related term are showing as below:

OISE:ISB' s FCF Margin % Range Over the Past 10 Years
Min: -237.17   Med: -27.07   Max: 40.6
Current: -12.41


During the past 9 years, the highest FCF Margin % of Islandsbanki hf was 40.60%. The lowest was -237.17%. And the median was -27.07%.

OISE:ISB's FCF Margin % is ranked worse than
78.13% of 1504 companies
in the Banks industry
Industry Median: 26.5 vs OISE:ISB: -12.41


Islandsbanki hf FCF Margin % Related Terms


Islandsbanki hf FCF Margin % Historical Data

* Premium members only.

The historical data trend for Islandsbanki hf'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.

Islandsbanki hf FCF Margin % Chart

Islandsbanki hf Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only -27.07 -70.46 40.60 24.86 -1.79

Islandsbanki hf Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 87.93 99.16 320.77 -492.21 28.75

OISE:ISB vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Islandsbanki hf'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.


Islandsbanki hf FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Islandsbanki hf's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Islandsbanki hf's FCF Margin % falls into.


OISE:ISB
73GF Score
Islandsbanki hf OISE:ISB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Islandsbanki hf FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Islandsbanki hf's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-1188/66445
=-1.79 %

Islandsbanki hf's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=5850/20346
=28.75 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 28.75% mean?
Islandsbanki hf (OISE:ISB) has a FCF Margin % of 28.75% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Islandsbanki hf and its competitors. According to the industry distribution chart, Islandsbanki hf ranks #1175 out of 1504 companies in the Banks industry, placing it in the top 78.1%.
Is Islandsbanki hf's FCF Margin % too high?
Islandsbanki hf's current FCF Margin % is 28.75%. The Banks industry median FCF Margin % is 26.50. Islandsbanki hf's value of 28.75% is 8.5% above this industry median. Based on the distribution chart, Islandsbanki hf ranks #1175 out of 1504 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Islandsbanki hf has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Islandsbanki hf's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Islandsbanki hf ranks #1175 out of 1504 companies for FCF Margin %. This places Islandsbanki hf in the lower half of its industry. The industry median FCF Margin % is 26.50. Islandsbanki hf's value of 28.75% is 8.5% above this benchmark. 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. Islandsbanki hf's current FCF Margin % of 28.75% is 8.5% 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 Islandsbanki hf 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. Islandsbanki hf's current FCF Margin % is 28.75%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islandsbanki hf stock overvalued right now?
Based on GuruFocus' analysis, Islandsbanki hf (OISE:ISB) is currently considered Fairly Valued. The stock's GF Value™ is kr145.34, compared to a current price of kr141.80 — trading 2.4% below its estimated fair value. The current FCF Margin % is 28.75% and 8.5% above the Banks industry median of 26.50. Islandsbanki hf's overall GF Score™ is 73/100 with 3 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 Islandsbanki hf (OISE:ISB), the current FCF Margin % is 28.75% 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 Islandsbanki hf (OISE:ISB) Overvalued in 2026?

Based on GuruFocus' analysis, Islandsbanki hf stock appears to be undervalued. The current stock price of kr141.80 is trading 2.4% below its estimated GF Value™ of kr145.34. GuruFocus considers Islandsbanki hf to be Fairly Valued.

Key valuation signals for OISE:ISB:

  • FCF Margin %: 28.75%
  • GF Value™: kr145.34 vs. price of kr141.80 (2.4% below fair value)
  • GF Score™: 73/100 with 3 warning signs
  • Industry Position: 8.5% above the Banks median (#1175 of 1504)

No single metric tells the full story. See the OISE:ISB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Islandsbanki hf Business Description

Address Hagasmari 3, Kopavogur, ISL, 201
Islandsbanki hf is a customer-centric universal bank. The company's segments include Personal Banking; Business Banking; Corporate and Investment Banking; Treasury and Proprietary Trading and Cost centres. It generates maximum revenue from the Business Banking segment. Business Banking provides small and medium-sized enterprises (SMEs) with comprehensive financial services, including Ergo, the Bank's asset financing service.
73GF Score

Get the complete analysis for OISE:ISB

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

kr141.80
Price
kr145.34
GF Value