First Atlantic Bank (XGHA:FAB) FCF Margin %: 372.91% (As of Dec. 2025) — 143% Above Median


XGHA:FAB First Atlantic Bank PLC XGHA:FAB
24 GF Score
Price GHS8.40
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What is First Atlantic Bank FCF Margin %?

First Atlantic Bank XGHA:FAB 24 FCF Margin % is 372.91% as of Dec. 2025, which is 143% above its 10-year median of 153.39. GuruFocus rates XGHA:FAB with a GF Score™ of 24/100. Among 1,504 Banks companies, First Atlantic Bank ranks better than 98.01% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. First Atlantic Bank's Free Cash Flow for the six months ended in Dec. 2025 was GHS4,818 Mil. First Atlantic Bank's Revenue for the six months ended in Dec. 2025 was GHS1,292 Mil. Therefore, First Atlantic Bank's FCF Margin % for the quarter that ended in Dec. 2025 was 372.91%.

As of today, First Atlantic Bank's current FCF Yield % is 151.66%.

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

XGHA:FAB' s FCF Margin % Range Over the Past 10 Years
Min: -66.14   Med: 153.39   Max: 372.91
Current: 372.91


During the past 2 years, the highest FCF Margin % of First Atlantic Bank was 372.91%. The lowest was -66.14%. And the median was 153.39%.

XGHA:FAB's FCF Margin % is ranked better than
98.01% of 1504 companies
in the Banks industry
Industry Median: 26.5 vs XGHA:FAB: 372.91


First Atlantic Bank FCF Margin % Related Terms


First Atlantic Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for First Atlantic 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.

First Atlantic Bank FCF Margin % Chart

First Atlantic Bank Annual Data
Trend Dec24 Dec25
FCF Margin %
-66.14 372.91

First Atlantic Bank Semi-Annual Data
Dec24 Dec25
FCF Margin % -66.14 372.91

XGHA:FAB vs PNC: FCF Margin % Comparison

For the Banks - Regional subindustry, First Atlantic 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.


First Atlantic Bank FCF Margin % vs Banks Industry

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

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


XGHA:FAB
24GF Score
First Atlantic Bank PLC XGHA:FAB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Atlantic Bank FCF Margin % Calculation

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

First Atlantic Bank'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 )
=4818.386/1292.103
=372.91 %

First Atlantic Bank'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 )
=4818.386/1292.103
=372.91 %

* 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 372.91% mean?
First Atlantic Bank (XGHA:FAB) has a FCF Margin % of 372.91% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Atlantic Bank and its competitors. This is 143% above median its historical median of 153.39. According to the industry distribution chart, First Atlantic Bank ranks #30 out of 1504 companies in the Banks industry, placing it in the top 2%.
Is First Atlantic Bank's FCF Margin % too high?
First Atlantic Bank's current FCF Margin % of 372.91% is 143% above median its 10-year median of 153.39. The Banks industry median FCF Margin % is 26.50. First Atlantic Bank's value of 372.91% is 1307.2% above this industry median. Based on the distribution chart, First Atlantic Bank ranks #30 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Atlantic Bank has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does First Atlantic Bank's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, First Atlantic Bank ranks #30 out of 1504 companies for FCF Margin %. This places First Atlantic Bank in the top 2% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. First Atlantic Bank's value of 372.91% is 1307.2% above this benchmark. While the company's 10-year median is 153.39 vs. the industry median of 26.50, First Atlantic 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. First Atlantic Bank's current FCF Margin % of 372.91% is 1307.2% 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 First Atlantic 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. First Atlantic Bank's current FCF Margin % is 372.91%, which is 143% above median its own 10-year median of 153.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Atlantic Bank stock overvalued right now?
First Atlantic Bank (XGHA:FAB) has a current FCF Margin % of 372.91%. The current FCF Margin % is 372.91%, which is 143% above median its 10-year median of 153.39 and 1307.2% above the Banks industry median of 26.50. First Atlantic Bank's overall GF Score™ is 24/100. 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 First Atlantic Bank (XGHA:FAB), the current FCF Margin % is 372.91% 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.

First Atlantic Bank Business Description

Address Seventh Avenue, Atlantic Place No. 1, Ridge West, Accra, GHA
First Atlantic Bank PLC is engaged in providing banking services that include personal banking, corporate banking, digital banking, prestige banking, and others. The Group's portfolio consists of loans and investments segmented across five main portfolios: Corporate Loans, Retail Loans, Retail Controller Loans, SME loans & Investments. The Group comprises the following main business segments: Corporate Banking, Retail and business banking, and Global markets. It generates majority of its income from Global markets segment which undertake the Group's funding and risk management activities through borrowings, issues of debt securities and investing in liquid assets such as short-term placements and corporate and government debt securities.
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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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