UniCredit Bank DD (XBLB:NBLB-R-B) FCF Margin %: 12.60% (As of Dec. 2025) — 77% Below Median


XBLB:NBLB-R-B UniCredit Bank DD XBLB:NBLB-R-B
4 GF Score
Price BAM1,933.00
GF Value BAM2,491.73
! 3 Warning Signs
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What is UniCredit Bank DD FCF Margin %?

UniCredit Bank DD XBLB:NBLB-R-B 4 FCF Margin % is 12.60% as of Dec. 2025, which is 77% below its 10-year median of 54.79. GuruFocus rates XBLB:NBLB-R-B with a GF Score™ of 4/100 and a GF Value™ of BAM2,491.73. The stock has 3 warning signs investors should review.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. UniCredit Bank DD's Free Cash Flow for the six months ended in Dec. 2025 was BAM49.1 Mil. UniCredit Bank DD's Revenue for the six months ended in Dec. 2025 was BAM389.4 Mil. Therefore, UniCredit Bank DD's FCF Margin % for the quarter that ended in Dec. 2025 was 12.60%.

As of today, UniCredit Bank DD's current FCF Yield % is 21.34%.

The historical rank and industry rank for UniCredit Bank DD's FCF Margin % or its related term are showing as below:

XBLB:NBLB-R-B' s FCF Margin % Range Over the Past 10 Years
Min: -5.95   Med: 54.79   Max: 177.99
Current: 12.6


During the past 13 years, the highest FCF Margin % of UniCredit Bank DD was 177.99%. The lowest was -5.95%. And the median was 54.79%.

XBLB:NBLB-R-B's FCF Margin % is not ranked
in the Banks industry.
Industry Median: 26.55 vs XBLB:NBLB-R-B: 12.60


UniCredit Bank DD FCF Margin % Related Terms


UniCredit Bank DD FCF Margin % Historical Data

* Premium members only.

The historical data trend for UniCredit Bank DD'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.

UniCredit Bank DD FCF Margin % Chart

UniCredit Bank DD 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 177.99 88.19 121.39 25.37 12.60

UniCredit Bank DD Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
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 177.99 88.19 121.39 25.37 12.60

XBLB:NBLB-R-B vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, UniCredit Bank DD'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.


UniCredit Bank DD FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, UniCredit Bank DD's FCF Margin % distribution charts can be found below:

* The bar in red indicates where UniCredit Bank DD's FCF Margin % falls into.


XBLB:NBLB-R-B
4GF Score
UniCredit Bank DD XBLB:NBLB-R-B
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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UniCredit Bank DD FCF Margin % Calculation

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

UniCredit Bank DD'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 )
=49.082/389.405
=12.60 %

UniCredit Bank DD's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=49.082/389.405
=12.60 %

* 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 12.60% mean?
UniCredit Bank DD (XBLB:NBLB-R-B) has a FCF Margin % of 12.60% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on UniCredit Bank DD and its competitors. This is 77% below median its historical median of 54.79.
Is UniCredit Bank DD's FCF Margin % too high?
UniCredit Bank DD's current FCF Margin % of 12.60% is 77% below median its 10-year median of 54.79. The Banks industry median FCF Margin % is 26.55. UniCredit Bank DD's value of 12.60% is 52.5% below this industry median. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's FCF Margin % compare to PNC and USB?
UniCredit Bank DD's FCF Margin % of 12.60% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.55. UniCredit Bank DD's value of 12.60% is 52.5% below this benchmark. While the company's 10-year median is 54.79 vs. the industry median of 26.55, UniCredit Bank DD has consistently been below 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 26.55, based on 1,505 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. UniCredit Bank DD's current FCF Margin % of 12.60% is 52.5% below 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 UniCredit Bank DD 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. UniCredit Bank DD's current FCF Margin % is 12.60%, which is 77% below median its own 10-year median of 54.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current FCF Margin % of 12.60%. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current FCF Margin % is 12.60%, which is 77% below median its 10-year median of 54.79 and 52.5% below the Banks industry median of 26.55. UniCredit Bank DD's overall GF Score™ is 4/100 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 UniCredit Bank DD (XBLB:NBLB-R-B), the current FCF Margin % is 12.60% as of Dec. 2025. 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 UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?

Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued. The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.

Key valuation signals for XBLB:NBLB-R-B:

  • FCF Margin %: 12.60% (77% below median its 10-year median of 54.79)
  • GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
  • GF Score™: 4/100 with 3 warning signs
  • Industry Position: 52.5% below the Banks median

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


UniCredit Bank DD Business Description

Address Kardinala Stepinca b.b, Mostar, BIH, 88000
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM1,933.00
Price
BAM2,491.73
GF Value