FCF Margin % is calculated as Free Cash Flow divided by its Revenue. GCB Bank's Free Cash Flow for the
three
months ended in Dec. 2025 was GHS-464 Mil. GCB Bank's Revenue for the
three
months ended in Dec. 2025 was GHS1,969 Mil. Therefore, GCB Bank's FCF Margin % for the quarter that ended in Dec. 2025 was -23.57%.
The historical rank and industry rank for GCB Bank's FCF Margin % or its related term are showing as below:
XGHA:GCB'
s FCF Margin % Range Over the Past 10 Years
Min: -6.55 Med: 68.15 Max: 287.61
Current: 43.67
During the past 13 years, the highest FCF Margin % of GCB Bank was 287.61%. The lowest was -6.55%. And the median was 68.15%.
XGHA:GCB's FCF Margin % is ranked better than 71.28% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs XGHA:GCB: 43.67
GCB Bank FCF Margin % Related Terms
GCB Bank FCF Margin % Historical Data
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The historical data trend for GCB 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, GCB 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.
GCB Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, GCB Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where GCB 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.
GCB Bank (XGHA:GCB) has a FCF Margin % of -23.57% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on GCB Bank and its competitors. According to the industry distribution chart, GCB Bank ranks #432 out of 1504 companies in the Banks industry, placing it in the top 28.7%.
Is GCB Bank's FCF Margin % too high?
GCB Bank's current FCF Margin % is -23.57%. Based on the distribution chart, GCB Bank ranks #432 out of 1504 companies in the Banks industry, which is above the industry midpoint. Overall, GCB Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GCB Bank's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, GCB Bank ranks #432 out of 1504 companies for FCF Margin %. This puts GCB Bank in the upper half of its industry. The industry median FCF Margin % is 26.50. 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. 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 GCB 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. GCB Bank's current FCF Margin % is -23.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GCB Bank stock overvalued right now?
Based on GuruFocus' analysis, GCB Bank (XGHA:GCB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS10.17, compared to a current price of GHS39.00 — trading 283.5% above its estimated fair value. The current FCF Margin % is -23.57%. GCB Bank's overall GF Score™ is 70/100 with 2 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 GCB Bank (XGHA:GCB), the current FCF Margin % is -23.57% 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 GCB Bank (XGHA:GCB) Overvalued in 2026?
Based on GuruFocus' analysis, GCB Bank stock appears to be overvalued.
The current stock price of GHS39.00 is trading 283.5% above its estimated GF Value™ of GHS10.17.
GuruFocus considers GCB Bank to be Significantly Overvalued.
Key valuation signals for XGHA:GCB:
FCF Margin %: -23.57%
GF Value™: GHS10.17 vs. price of GHS39.00 (283.5% above fair value)
No single metric tells the full story. See the XGHA:GCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GCB Bank Ltd operates as a commercial bank in Ghana. The group's operating segments are Retail banking; Corporate banking; Treasury; and Commercial banking. It derives key revenue from the Retail banking segment. The bank offers various products and services including international money transfer, overdraft facilities, bulk cash collection, trade finance, payroll solutions, business advice, internet banking, and others. Geographically, it derives a majority of its revenue from Ghana.
70GF Score
Get the complete analysis for XGHA:GCB
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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