CAL BankXGHA:CAL FCF Margin % is 446.34% as of Mar. 2026, which is 298% above its 10-year median of 112.16. The stock has 2 warning signs investors should review. Among 1,504 Banks companies, CAL Bank ranks better than 96.61% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. CAL Bank's Free Cash Flow for the
three
months ended in Mar. 2026 was GHS1,451 Mil. CAL Bank's Revenue for the
three
months ended in Mar. 2026 was GHS325 Mil. Therefore, CAL Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 446.34%.
The historical rank and industry rank for CAL Bank's FCF Margin % or its related term are showing as below:
XGHA:CAL'
s FCF Margin % Range Over the Past 10 Years
Min: -85.73 Med: 112.16 Max: 363.82
Current: 294.76
During the past 13 years, the highest FCF Margin % of CAL Bank was 363.82%. The lowest was -85.73%. And the median was 112.16%.
XGHA:CAL's FCF Margin % is ranked better than 96.61% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs XGHA:CAL: 294.76
CAL Bank FCF Margin % Related Terms
CAL Bank FCF Margin % Historical Data
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The historical data trend for CAL Bank'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.
For the Banks - Regional subindustry, CAL 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.
CAL Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CAL Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where CAL 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.
CAL Bank (XGHA:CAL) has a FCF Margin % of 446.34% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CAL Bank and its competitors. This is 298% above median its historical median of 112.16. According to the industry distribution chart, CAL Bank ranks #51 out of 1504 companies in the Banks industry, placing it in the top 3.4%.
Is CAL Bank's FCF Margin % too high?
CAL Bank's current FCF Margin % of 446.34% is 298% above median its 10-year median of 112.16. The Banks industry median FCF Margin % is 26.50. CAL Bank's value of 446.34% is 1584.3% above this industry median. Based on the distribution chart, CAL Bank ranks #51 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does CAL Bank's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, CAL Bank ranks #51 out of 1504 companies for FCF Margin %. This places CAL Bank in the top 3% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. CAL Bank's value of 446.34% is 1584.3% above this benchmark. While the company's 10-year median is 112.16 vs. the industry median of 26.50, CAL 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 26.50, based on 1,504 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. CAL Bank's current FCF Margin % of 446.34% is 1584.3% 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 CAL Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CAL Bank's current FCF Margin % is 446.34%, which is 298% above median its own 10-year median of 112.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current FCF Margin % of 446.34%. The current FCF Margin % is 446.34%, which is 298% above median its 10-year median of 112.16 and 1584.3% above the Banks industry median of 26.50. 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 CAL Bank (XGHA:CAL), the current FCF Margin % is 446.34% 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.
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.
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