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Republic Financial HolTRN:RFHL +0.05%87 FCF Margin % is 127.32% as of Mar. 2026, which is 305% above its 10-year median of 31.42. GuruFocus rates TRN:RFHL with a GF Score™ of 87/100 and a GF Value™ of TTD128.50 (Modestly Undervalued). Among 1,502 Banks companies, Republic Financial Hol ranks worse than 55.13% 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, Republic Financial Hol'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.
Republic Financial Hol FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Financial Hol's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Republic Financial Hol'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.
Republic Financial Hol (TRN:RFHL) has a FCF Margin % of 127.32% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Republic Financial Hol and its competitors. This is 305% above median its historical median of 31.42. According to the industry distribution chart, Republic Financial Hol ranks #828 out of 1502 companies in the Banks industry, placing it in the top 55.1%.
Is Republic Financial Hol's FCF Margin % too high?
Republic Financial Hol's current FCF Margin % of 127.32% is 305% above median its 10-year median of 31.42. The Banks industry median FCF Margin % is 25.85. Republic Financial Hol's value of 127.32% is 392.6% above this industry median. Based on the distribution chart, Republic Financial Hol ranks #828 out of 1502 companies in the Banks industry, which is below the industry midpoint. Overall, Republic Financial Hol has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Republic Financial Hol's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Republic Financial Hol ranks #828 out of 1502 companies for FCF Margin %. This places Republic Financial Hol in the lower half of its industry. The industry median FCF Margin % is 25.85. Republic Financial Hol's value of 127.32% is 392.6% above this benchmark. While the company's 10-year median is 31.42 vs. the industry median of 25.85, Republic Financial Hol 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 25.85, 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. Republic Financial Hol's current FCF Margin % of 127.32% is 392.6% 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 Republic Financial Hol and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Financial Hol's current FCF Margin % is 127.32%, which is 305% above median its own 10-year median of 31.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Financial Hol stock overvalued right now?
Based on GuruFocus' analysis, Republic Financial Hol (TRN:RFHL) is currently considered Modestly Undervalued. The stock's GF Value™ is TTD128.50, compared to a current price of TTD109.35 — trading 14.9% below its estimated fair value. The current FCF Margin % is 127.32%, which is 305% above median its 10-year median of 31.42 and 392.6% above the Banks industry median of 25.85. Republic Financial Hol's overall GF Score™ is 87/100. 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 Republic Financial Hol (TRN:RFHL), the current FCF Margin % is 127.32% 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 Republic Financial Hol (TRN:RFHL) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Financial Hol stock appears to be undervalued.
The current stock price of TTD109.35 is trading 14.9% below its estimated GF Value™ of TTD128.50.
GuruFocus considers Republic Financial Hol to be Modestly Undervalued.
Key valuation signals for TRN:RFHL:
FCF Margin %: 127.32% (305% above median its 10-year median of 31.42)
GF Value™: TTD128.50 vs. price of TTD109.35 (14.9% below fair value)
Industry Position: 392.6% above the Banks median (#828 of 1502)
No single metric tells the full story. See the TRN:RFHL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Financial Hol Ltd is a financial services group comprising several subsidiaries and associated companies. The company is engaged in providing a wide range of banking, financial, and related services to retail and commercial banking customers, corporate clients, and governments. It operates in two segments: retail and commercial banking, which generates maximum revenue, and other financial services. The company operates in the following geographical segments: Trinidad & Tobago, Barbados, Suriname, Eastern Caribbean, Guyana, Ghana, Cayman Islands, and the British Virgin Islands. It derives key revenue from its operations in Trinidad & Tobago.
87GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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