Bank Handlowy w WarszawieWAR:BHW -0.65%71 FCF Margin % is 464.32% as of Mar. 2026, which is 1434% above its 10-year median of 30.26. GuruFocus rates WAR:BHW with a GF Score™ of 71/100 and a GF Value™ of zł78.80 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,508 Banks companies, Bank Handlowy w Warszawie ranks better than 96.29% 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, Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Handlowy w Warszawie's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie (WAR:BHW) has a FCF Margin % of 464.32% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank Handlowy w Warszawie and its competitors. This is 1434% above median its historical median of 30.26. According to the industry distribution chart, Bank Handlowy w Warszawie ranks #56 out of 1508 companies in the Banks industry, placing it in the top 3.7%.
Is Bank Handlowy w Warszawie's FCF Margin % too high?
Bank Handlowy w Warszawie's current FCF Margin % of 464.32% is 1434% above median its 10-year median of 30.26. The Banks industry median FCF Margin % is 26.36. Bank Handlowy w Warszawie's value of 464.32% is 1661.8% above this industry median. Based on the distribution chart, Bank Handlowy w Warszawie ranks #56 out of 1508 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Handlowy w Warszawie has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Handlowy w Warszawie's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bank Handlowy w Warszawie ranks #56 out of 1508 companies for FCF Margin %. This places Bank Handlowy w Warszawie in the top 4% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.36. Bank Handlowy w Warszawie's value of 464.32% is 1661.8% above this benchmark. While the company's 10-year median is 30.26 vs. the industry median of 26.36, Bank Handlowy w Warszawie 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 26.36, based on 1,508 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. Bank Handlowy w Warszawie's current FCF Margin % of 464.32% is 1661.8% 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 Bank Handlowy w Warszawie and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Handlowy w Warszawie's current FCF Margin % is 464.32%, which is 1434% above median its own 10-year median of 30.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Handlowy w Warszawie stock overvalued right now?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie (WAR:BHW) is currently considered Significantly Overvalued. The stock's GF Value™ is zł78.80, compared to a current price of zł122.00 — trading 54.8% above its estimated fair value. The current FCF Margin % is 464.32%, which is 1434% above median its 10-year median of 30.26 and 1661.8% above the Banks industry median of 26.36. Bank Handlowy w Warszawie's overall GF Score™ is 71/100 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 Bank Handlowy w Warszawie (WAR:BHW), the current FCF Margin % is 464.32% 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 Bank Handlowy w Warszawie (WAR:BHW) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie stock appears to be overvalued.
The current stock price of zł122.00 is trading 54.8% above its estimated GF Value™ of zł78.80.
GuruFocus considers Bank Handlowy w Warszawie to be Significantly Overvalued.
Key valuation signals for WAR:BHW:
FCF Margin %: 464.32% (1434% above median its 10-year median of 30.26)
GF Value™: zł78.80 vs. price of zł122.00 (54.8% above fair value)
Industry Position: 1661.8% above the Banks median (#56 of 1508)
No single metric tells the full story. See the WAR:BHW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Handlowy w Warszawie SA is a Poland-based bank and the parent company of the Bank Handlowy Group. It is a subsidiary of Citigroup, through Citibank Overseas Investment Corporation. The group provides retail, corporate, and investment banking services, as well as leasing and other financial services.
71GF Score
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