Artea Bankas AB (STU:ZH5) FCF Margin %: -102.48% (As of Mar. 2026)


STU:ZH5 Artea Bankas AB STU:ZH5
12 GF Score
Price €0.84
GF Value €0.76
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Artea Bankas AB FCF Margin %?

Artea Bankas AB STU:ZH5 -0.35% 12 FCF Margin % is -102.48% as of Mar. 2026. GuruFocus rates STU:ZH5 with a GF Score™ of 12/100 and a GF Value™ of €0.76 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,509 Banks companies, Artea Bankas AB ranks better than 90.39% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Artea Bankas AB's Free Cash Flow for the three months ended in Mar. 2026 was €-46.8 Mil. Artea Bankas AB's Revenue for the three months ended in Mar. 2026 was €45.7 Mil. Therefore, Artea Bankas AB's FCF Margin % for the quarter that ended in Mar. 2026 was -102.48%.

As of today, Artea Bankas AB's current FCF Yield % is 48.98%.

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

STU:ZH5' s FCF Margin % Range Over the Past 10 Years
Min: -263.31   Med: 20.64   Max: 424.5
Current: 148.68

During the past 13 years, the highest FCF Margin % of Artea Bankas AB was 424.50%. The lowest was -263.31%. And the median was 20.64%.

STU:ZH5's FCF Margin % is ranked better than
90.39% of 1509 companies
in the Banks industry
Industry Median: 26.55 vs STU:ZH5: 148.68

Artea Bankas AB FCF Margin % Related Terms

Artea Bankas AB FCF Margin % Historical Data

* Premium members only.

The historical data trend for Artea Bankas AB'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.

Artea Bankas AB FCF Margin % Chart

Artea Bankas AB Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 424.50 -257.87 28.43 -263.31 166.65

Artea Bankas AB 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 -11.26 -223.85 442.08 466.40 -102.48

STU:ZH5 vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Artea Bankas AB'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.

Artea Bankas AB FCF Margin % vs Banks Industry

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

* The bar in red indicates where Artea Bankas AB's FCF Margin % falls into.


STU:ZH5
12GF Score
Artea Bankas AB STU:ZH5
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Artea Bankas AB FCF Margin % Calculation

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

Artea Bankas AB'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 )
=317.439/190.488
=166.65 %

Artea Bankas AB'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 )
=-46.826/45.695
=-102.48 %

* 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 -102.48% mean?
Artea Bankas AB (STU:ZH5) has a FCF Margin % of -102.48% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Artea Bankas AB and its competitors. According to the industry distribution chart, Artea Bankas AB ranks #145 out of 1509 companies in the Banks industry, placing it in the top 9.6%.
Is Artea Bankas AB's FCF Margin % too high?
Artea Bankas AB's current FCF Margin % is -102.48%. Based on the distribution chart, Artea Bankas AB ranks #145 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Artea Bankas AB has a GF Score™ of 12/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Artea Bankas AB's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Artea Bankas AB ranks #145 out of 1509 companies for FCF Margin %. This places Artea Bankas AB in the top 10% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. 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 26.55, based on 1,509 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. 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 Artea Bankas AB and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Artea Bankas AB's current FCF Margin % is -102.48%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Artea Bankas AB stock overvalued right now?
Based on GuruFocus' analysis, Artea Bankas AB (STU:ZH5) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.76, compared to a current price of €0.84 — trading 10.9% above its estimated fair value. The current FCF Margin % is -102.48%. Artea Bankas AB's overall GF Score™ is 12/100 with 6 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 Artea Bankas AB (STU:ZH5), the current FCF Margin % is -102.48% 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 Artea Bankas AB (STU:ZH5) Overvalued in 2026?

Based on GuruFocus' analysis, Artea Bankas AB stock appears to be overvalued. The current stock price of €0.84 is trading 10.9% above its estimated GF Value™ of €0.76. GuruFocus considers Artea Bankas AB to be Modestly Overvalued.

Key valuation signals for STU:ZH5:

  • FCF Margin %: -102.48%
  • GF Value™: €0.76 vs. price of €0.84 (10.9% above fair value)
  • GF Score™: 12/100 with 6 warning signs

No single metric tells the full story. See the STU:ZH5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Artea Bankas AB Business Description

Address Tilzes Street 149, Siauliai, LTU, LT-76348
Artea Bankas AB provides daily finances to small and medium-sized businesses. It performs all banking operations including accepting deposits, issuing loans, money transfers and documentary settlements, exchanging currencies for clients, issuing and processing debit and credit cards, and among others.
12GF Score

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

€0.84
Price
€0.76
GF Value