Rizal Commercial BankingPHS:RCB -0.42%81 FCF Margin % is 51.55% as of Mar. 2026, which is 123% above its 10-year median of 23.16. GuruFocus rates PHS:RCB with a GF Score™ of 81/100 and a GF Value™ of ₱29.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,506 Banks companies, Rizal Commercial Banking ranks worse than 63.35% on this metric.
* 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, Rizal Commercial Banking'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.
Rizal Commercial Banking FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking'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.
Rizal Commercial Banking (PHS:RCB) has a FCF Margin % of 51.55% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Rizal Commercial Banking and its competitors. This is 123% above median its historical median of 23.16. According to the industry distribution chart, Rizal Commercial Banking ranks #954 out of 1506 companies in the Banks industry, placing it in the top 63.3%.
Is Rizal Commercial Banking's FCF Margin % too high?
Rizal Commercial Banking's current FCF Margin % of 51.55% is 123% above median its 10-year median of 23.16. The Banks industry median FCF Margin % is 26.36. Rizal Commercial Banking's value of 51.55% is 95.6% above this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #954 out of 1506 companies in the Banks industry, which is below the industry midpoint. Overall, Rizal Commercial Banking has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #954 out of 1506 companies for FCF Margin %. This places Rizal Commercial Banking in the lower half of its industry. The industry median FCF Margin % is 26.36. Rizal Commercial Banking's value of 51.55% is 95.6% above this benchmark. While the company's 10-year median is 23.16 vs. the industry median of 26.36, Rizal Commercial Banking 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 1,506 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. Rizal Commercial Banking's current FCF Margin % of 51.55% is 95.6% 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 Rizal Commercial Banking 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. Rizal Commercial Banking's current FCF Margin % is 51.55%, which is 123% above median its own 10-year median of 23.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.69, compared to a current price of ₱23.50 — trading 20.8% below its estimated fair value. The current FCF Margin % is 51.55%, which is 123% above median its 10-year median of 23.16 and 95.6% above the Banks industry median of 26.36. Rizal Commercial Banking's overall GF Score™ is 81/100 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 Rizal Commercial Banking (PHS:RCB), the current FCF Margin % is 51.55% 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱23.50 is trading 20.8% below its estimated GF Value™ of ₱29.69.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
FCF Margin %: 51.55% (123% above median its 10-year median of 23.16)
GF Value™: ₱29.69 vs. price of ₱23.50 (20.8% below fair value)
Industry Position: 95.6% above the Banks median (#954 of 1506)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
81GF Score
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