What is Agricultural Development Bank FCF Margin %?
Agricultural Development BankXGHA:ADB 64 FCF Margin % is 541.23% as of Mar. 2026, which is 476% above its 10-year median of 93.91. GuruFocus rates XGHA:ADB with a GF Score™ of 64/100 and a GF Value™ of GHS3.97 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Agricultural Development Bank ranks better than 95.95% 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, Agricultural Development Bank'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.
Agricultural Development Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Agricultural Development Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Agricultural Development Bank'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.
Agricultural Development Bank (XGHA:ADB) has a FCF Margin % of 541.23% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Agricultural Development Bank and its competitors. This is 476% above median its historical median of 93.91. Over the past decade, Agricultural Development Bank's FCF Margin % has ranged from 0.21 to 377.18. According to the industry distribution chart, Agricultural Development Bank ranks #61 out of 1505 companies in the Banks industry, placing it in the top 4.1%.
Is Agricultural Development Bank's FCF Margin % too high?
Agricultural Development Bank's current FCF Margin % of 541.23% is 476% above median its 10-year median of 93.91. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 377.18. The Banks industry median FCF Margin % is 26.55. Agricultural Development Bank's value of 541.23% is 1938.5% above this industry median. Based on the distribution chart, Agricultural Development Bank ranks #61 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Agricultural Development Bank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Agricultural Development Bank ranks #61 out of 1505 companies for FCF Margin %. This places Agricultural Development Bank in the top 4% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Agricultural Development Bank's value of 541.23% is 1938.5% above this benchmark. Historically, Agricultural Development Bank's own FCF Margin % has ranged from 0.21 to 377.18 over the past decade. While the company's 10-year median is 93.91 vs. the industry median of 26.55, Agricultural Development Bank 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 26.55, 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. Agricultural Development Bank's current FCF Margin % of 541.23% is 1938.5% 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 Agricultural Development Bank 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. Agricultural Development Bank's current FCF Margin % is 541.23%, which is 476% above median its own 10-year median of 93.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agricultural Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agricultural Development Bank (XGHA:ADB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS3.97, compared to a current price of GHS5.30 — trading 33.5% above its estimated fair value. The current FCF Margin % is 541.23%, which is 476% above median its 10-year median of 93.91 and 1938.5% above the Banks industry median of 26.55. Agricultural Development Bank's overall GF Score™ is 64/100 with 5 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 Agricultural Development Bank (XGHA:ADB), the current FCF Margin % is 541.23% 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 Agricultural Development Bank (XGHA:ADB) Overvalued in 2026?
Based on GuruFocus' analysis, Agricultural Development Bank stock appears to be overvalued.
The current stock price of GHS5.30 is trading 33.5% above its estimated GF Value™ of GHS3.97.
GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.
Key valuation signals for XGHA:ADB:
FCF Margin %: 541.23% (476% above median its 10-year median of 93.91)
GF Value™: GHS3.97 vs. price of GHS5.30 (33.5% above fair value)
Industry Position: 1938.5% above the Banks median (#61 of 1505)
No single metric tells the full story. See the XGHA:ADB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agricultural Development Bank Business Description
Agricultural Development Bank Ltd is a universal bank offering a full range of banking products and services in Consumer, Corporate, Parastatals/Public Sector, SME, Agribusiness, Trade and E-Banking services. Its business focus is universal banking with a developmental focus on Agriculture and more. The company's operating segment includes Corporate Banking, Retail Banking, and Central Treasury. The majority of revenue is derived from the Retail Banking segment, which focuses on high-volume, standardized financial products and services such as loans and advances, deposits and other transactions with retail customers. Geographically, all revenues are generated in Ghana.
64GF Score
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