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Bien Sparebank ASASTU:JX0 70 FCF Margin % is 431.25% as of Mar. 2026, which is 1671% above its 10-year median of 24.35. GuruFocus rates STU:JX0 with a GF Score™ of 70/100 and a GF Value™ of €11.70. The stock has 2 warning signs investors should review. Among 1,502 Banks companies, Bien Sparebank ASA ranks worse than 77.36% on this metric.
The historical rank and industry rank for Bien Sparebank ASA's FCF Margin % or its related term are showing as below:
STU:JX0'
s FCF Margin % Range Over the Past 10 Years
Min: -118.86 Med: 24.35 Max: 137.52
Current: -2.39
During the past 7 years, the highest FCF Margin % of Bien Sparebank ASA was 137.52%. The lowest was -118.86%. And the median was 24.35%.
STU:JX0's FCF Margin % is ranked worse than 77.36% of 1502
companies
in the Banks industry
Industry Median: 25.815
vs STU:JX0: -2.39
Bien Sparebank ASA FCF Margin % Related Terms
Bien Sparebank ASA FCF Margin % Historical Data
* Premium members only.
The historical data trend for Bien Sparebank ASA'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.
Bien Sparebank ASA FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Bien Sparebank ASA'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.
Bien Sparebank ASA FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bien Sparebank ASA's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bien Sparebank ASA'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.
Bien Sparebank ASA (STU:JX0) has a FCF Margin % of 431.25% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bien Sparebank ASA and its competitors. This is 1671% above median its historical median of 24.35. According to the industry distribution chart, Bien Sparebank ASA ranks #1162 out of 1502 companies in the Banks industry, placing it in the top 77.4%.
Is Bien Sparebank ASA's FCF Margin % too high?
Bien Sparebank ASA's current FCF Margin % of 431.25% is 1671% above median its 10-year median of 24.35. The Banks industry median FCF Margin % is 25.82. Bien Sparebank ASA's value of 431.25% is 1570.5% above this industry median. Based on the distribution chart, Bien Sparebank ASA ranks #1162 out of 1502 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bien Sparebank ASA has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does Bien Sparebank ASA's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Bien Sparebank ASA ranks #1162 out of 1502 companies for FCF Margin %. This places Bien Sparebank ASA in the lower half of its industry. The industry median FCF Margin % is 25.82. Bien Sparebank ASA's value of 431.25% is 1570.5% above this benchmark. While the company's 10-year median is 24.35 vs. the industry median of 25.82, Bien Sparebank ASA 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 25.82, 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. Bien Sparebank ASA's current FCF Margin % of 431.25% is 1570.5% 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 Bien Sparebank ASA and its competitors. For the Banks industry, the median FCF Margin % is 25.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bien Sparebank ASA's current FCF Margin % is 431.25%, which is 1671% above median its own 10-year median of 24.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bien Sparebank ASA stock overvalued right now?
Bien Sparebank ASA (STU:JX0) has a current FCF Margin % of 431.25%. The stock's GF Value™ is €11.70, compared to a current price of €12.30 — trading 5.1% above its estimated fair value. The current FCF Margin % is 431.25%, which is 1671% above median its 10-year median of 24.35 and 1570.5% above the Banks industry median of 25.82. Bien Sparebank ASA's overall GF Score™ is 70/100 with 2 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 Bien Sparebank ASA (STU:JX0), the current FCF Margin % is 431.25% 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 Bien Sparebank ASA (STU:JX0) Overvalued in 2026?
Based on GuruFocus' analysis, Bien Sparebank ASA stock appears to be overvalued.
The current stock price of €12.30 is trading 5.1% above its estimated GF Value™ of €11.70.
Key valuation signals for STU:JX0:
FCF Margin %: 431.25% (1671% above median its 10-year median of 24.35)
GF Value™: €11.70 vs. price of €12.30 (5.1% above fair value)
Industry Position: 1570.5% above the Banks median (#1162 of 1502)
No single metric tells the full story. See the STU:JX0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bien Sparebank ASA is a independent savings bank. It is a close and accessible bank for individuals and businesses in the Oslo area. The company offers various services namely daily banking, saving, pension, insurance and others.
70GF Score
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