Banco Pichincha CAQUI:PCD +0.76%96 FCF Margin % is 73.37% as of Dec. 2025, which is 164% above its 10-year median of 27.84. GuruFocus rates QUI:PCD with a GF Score™ of 96/100 and a GF Value™ of $107.46 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,504 Banks companies, Banco Pichincha CA ranks better than 80.72% on this metric.
The historical rank and industry rank for Banco Pichincha CA's FCF Margin % or its related term are showing as below:
QUI:PCD'
s FCF Margin % Range Over the Past 10 Years
Min: -73.47 Med: 27.84 Max: 112.44
Current: 73.37
During the past 10 years, the highest FCF Margin % of Banco Pichincha CA was 112.44%. The lowest was -73.47%. And the median was 27.84%.
QUI:PCD's FCF Margin % is ranked better than 80.72% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs QUI:PCD: 73.37
Banco Pichincha CA FCF Margin % Related Terms
Banco Pichincha CA FCF Margin % Historical Data
* Premium members only.
The historical data trend for Banco Pichincha CA'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, Banco Pichincha CA'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.
Banco Pichincha CA FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pichincha CA's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Banco Pichincha CA'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.
Banco Pichincha CA (QUI:PCD) has a FCF Margin % of 73.37% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco Pichincha CA and its competitors. This is 164% above median its historical median of 27.84. According to the industry distribution chart, Banco Pichincha CA ranks #290 out of 1504 companies in the Banks industry, placing it in the top 19.3%.
Is Banco Pichincha CA's FCF Margin % too high?
Banco Pichincha CA's current FCF Margin % of 73.37% is 164% above median its 10-year median of 27.84. The Banks industry median FCF Margin % is 26.50. Banco Pichincha CA's value of 73.37% is 176.9% above this industry median. Based on the distribution chart, Banco Pichincha CA ranks #290 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Pichincha CA has a GF Score™ of 96/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pichincha CA's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pichincha CA ranks #290 out of 1504 companies for FCF Margin %. This places Banco Pichincha CA in the top 19% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. Banco Pichincha CA's value of 73.37% is 176.9% above this benchmark. While the company's 10-year median is 27.84 vs. the industry median of 26.50, Banco Pichincha CA 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 26.50, 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. Banco Pichincha CA's current FCF Margin % of 73.37% is 176.9% 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 Banco Pichincha CA 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. Banco Pichincha CA's current FCF Margin % is 73.37%, which is 164% above median its own 10-year median of 27.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pichincha CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Pichincha CA (QUI:PCD) is currently considered Modestly Overvalued. The stock's GF Value™ is $107.46, compared to a current price of $131.00 — trading 21.9% above its estimated fair value. The current FCF Margin % is 73.37%, which is 164% above median its 10-year median of 27.84 and 176.9% above the Banks industry median of 26.50. Banco Pichincha CA's overall GF Score™ is 96/100 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 Banco Pichincha CA (QUI:PCD), the current FCF Margin % is 73.37% 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 Banco Pichincha CA (QUI:PCD) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pichincha CA stock appears to be overvalued.
The current stock price of $131.00 is trading 21.9% above its estimated GF Value™ of $107.46.
GuruFocus considers Banco Pichincha CA to be Modestly Overvalued.
Key valuation signals for QUI:PCD:
FCF Margin %: 73.37% (164% above median its 10-year median of 27.84)
GF Value™: $107.46 vs. price of $131.00 (21.9% above fair value)
Industry Position: 176.9% above the Banks median (#290 of 1504)
No single metric tells the full story. See the QUI:PCD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pichincha CA provides banking services in Ecuador. The products and services of the bank include electronic banking, savings account, current account, debit cards, credit cards, and other related services.
96GF Score
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