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SHL Finance CoSAU:1183 -1.07%48 FCF Margin % is 37.54% as of Mar. 2026, which is 51% below its 10-year median of 77.15. GuruFocus rates SAU:1183 with a GF Score™ of 48/100 and a GF Value™ of ﷼28.33 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,502 Banks companies, SHL Finance Co ranks worse than 61.05% on this metric.
The historical rank and industry rank for SHL Finance Co's FCF Margin % or its related term are showing as below:
SAU:1183'
s FCF Margin % Range Over the Past 10 Years
Min: 0.19 Med: 77.15 Max: 149.58
Current: 17.75
During the past 8 years, the highest FCF Margin % of SHL Finance Co was 149.58%. The lowest was 0.19%. And the median was 77.15%.
SAU:1183's FCF Margin % is ranked worse than 61.05% of 1502
companies
in the Banks industry
Industry Median: 26.605
vs SAU:1183: 17.75
SHL Finance Co FCF Margin % Related Terms
SHL Finance Co FCF Margin % Historical Data
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The historical data trend for SHL Finance Co'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.
SAU:1183 vs RKT, FNMA, PFSI: FCF Margin % Comparison
For the Mortgage Finance subindustry, SHL Finance Co'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.
SHL Finance Co FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SHL Finance Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where SHL Finance Co'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.
SHL Finance Co (SAU:1183) has a FCF Margin % of 37.54% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SHL Finance Co and its competitors. This is 51% below median its historical median of 77.15. Over the past decade, SHL Finance Co's FCF Margin % has ranged from 0.19 to 149.58. According to the industry distribution chart, SHL Finance Co ranks #917 out of 1502 companies in the Banks industry, placing it in the top 61.1%.
Is SHL Finance Co's FCF Margin % too high?
SHL Finance Co's current FCF Margin % of 37.54% is 51% below median its 10-year median of 77.15. Over the past 10 years, this metric has ranged from a low of 0.19 to a high of 149.58. The Banks industry median FCF Margin % is 26.61. SHL Finance Co's value of 37.54% is 41.1% above this industry median. Based on the distribution chart, SHL Finance Co ranks #917 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, SHL Finance Co has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SHL Finance Co's FCF Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, SHL Finance Co ranks #917 out of 1502 companies for FCF Margin %. This places SHL Finance Co in the lower half of its industry. The industry median FCF Margin % is 26.61. SHL Finance Co's value of 37.54% is 41.1% above this benchmark. Historically, SHL Finance Co's own FCF Margin % has ranged from 0.19 to 149.58 over the past decade. While the company's 10-year median is 77.15 vs. the industry median of 26.61, SHL Finance Co 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 26.61, based on 1,502 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. SHL Finance Co's current FCF Margin % of 37.54% is 41.1% 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 SHL Finance Co and its competitors. For the Banks industry, the median FCF Margin % is 26.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHL Finance Co's current FCF Margin % is 37.54%, which is 51% below median its own 10-year median of 77.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SHL Finance Co stock overvalued right now?
Based on GuruFocus' analysis, SHL Finance Co (SAU:1183) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼28.33, compared to a current price of ﷼14.75 — trading 47.9% below its estimated fair value. The current FCF Margin % is 37.54%, which is 51% below median its 10-year median of 77.15 and 41.1% above the Banks industry median of 26.61. SHL Finance Co's overall GF Score™ is 48/100 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 SHL Finance Co (SAU:1183), the current FCF Margin % is 37.54% 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 SHL Finance Co (SAU:1183) Overvalued in 2026?
Based on GuruFocus' analysis, SHL Finance Co stock appears to be undervalued.
The current stock price of ﷼14.75 is trading 47.9% below its estimated GF Value™ of ﷼28.33.
GuruFocus considers SHL Finance Co to be Possible Value Trap.
Key valuation signals for SAU:1183:
FCF Margin %: 37.54% (51% below median its 10-year median of 77.15)
GF Value™: ﷼28.33 vs. price of ﷼14.75 (47.9% below fair value)
Industry Position: 41.1% above the Banks median (#917 of 1502)
No single metric tells the full story. See the SAU:1183 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SHL Finance Co is engaged in real estate financing activities for individuals. The main activity of the company is to carry out real estate financing, Consumer Financing, and financing the activities of Small & Medium Establishments for individuals and corporations, in accordance with the provisions of the Companies Law, the Finance Companies Control Law, and its Executive Regulations and related regulations, and the rules and instructions issued by the Saudi Central Bank.
48GF Score
Get the complete analysis for SAU:1183
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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