Republic Bank (Ghana)XGHA:RBGH 49 FCF Margin % is 646.58% as of Dec. 2025, which is 1119% above its 10-year median of 53.06. GuruFocus rates XGHA:RBGH with a GF Score™ of 49/100 and a GF Value™ of GHS1.07 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,508 Banks companies, Republic Bank (Ghana) ranks worse than 66.58% on this metric.
The historical rank and industry rank for Republic Bank (Ghana)'s FCF Margin % or its related term are showing as below:
XGHA:RBGH'
s FCF Margin % Range Over the Past 10 Years
Min: 7.4 Med: 53.06 Max: 186.17
Current: 11.04
During the past 13 years, the highest FCF Margin % of Republic Bank (Ghana) was 186.17%. The lowest was 7.40%. And the median was 53.06%.
XGHA:RBGH's FCF Margin % is ranked worse than 66.58% of 1508
companies
in the Banks industry
Industry Median: 26.5
vs XGHA:RBGH: 11.04
Republic Bank (Ghana) FCF Margin % Related Terms
Republic Bank (Ghana) FCF Margin % Historical Data
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The historical data trend for Republic Bank (Ghana)'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, Republic Bank (Ghana)'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.
Republic Bank (Ghana) FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bank (Ghana)'s FCF Margin % distribution charts can be found below:
* The bar in red indicates where Republic Bank (Ghana)'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.
Republic Bank (Ghana) (XGHA:RBGH) has a FCF Margin % of 646.58% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Republic Bank (Ghana) and its competitors. This is 1119% above median its historical median of 53.06. Over the past decade, Republic Bank (Ghana)'s FCF Margin % has ranged from 7.40 to 186.17. According to the industry distribution chart, Republic Bank (Ghana) ranks #1004 out of 1508 companies in the Banks industry, placing it in the top 66.6%.
Is Republic Bank (Ghana)'s FCF Margin % too high?
Republic Bank (Ghana)'s current FCF Margin % of 646.58% is 1119% above median its 10-year median of 53.06. Over the past 10 years, this metric has ranged from a low of 7.40 to a high of 186.17. The Banks industry median FCF Margin % is 26.50. Republic Bank (Ghana)'s value of 646.58% is 2339.9% above this industry median. Based on the distribution chart, Republic Bank (Ghana) ranks #1004 out of 1508 companies in the Banks industry, which is below the industry midpoint. Overall, Republic Bank (Ghana) has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Republic Bank (Ghana) ranks #1004 out of 1508 companies for FCF Margin %. This places Republic Bank (Ghana) in the lower half of its industry. The industry median FCF Margin % is 26.50. Republic Bank (Ghana)'s value of 646.58% is 2339.9% above this benchmark. Historically, Republic Bank (Ghana)'s own FCF Margin % has ranged from 7.40 to 186.17 over the past decade. While the company's 10-year median is 53.06 vs. the industry median of 26.50, Republic Bank (Ghana) 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 1,508 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. Republic Bank (Ghana)'s current FCF Margin % of 646.58% is 2339.9% 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 Republic Bank (Ghana) 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. Republic Bank (Ghana)'s current FCF Margin % is 646.58%, which is 1119% above median its own 10-year median of 53.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.07, compared to a current price of GHS3.93 — trading 267.3% above its estimated fair value. The current FCF Margin % is 646.58%, which is 1119% above median its 10-year median of 53.06 and 2339.9% above the Banks industry median of 26.50. Republic Bank (Ghana)'s overall GF Score™ is 49/100 with 1 warning sign 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 Republic Bank (Ghana) (XGHA:RBGH), the current FCF Margin % is 646.58% 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued.
The current stock price of GHS3.93 is trading 267.3% above its estimated GF Value™ of GHS1.07.
GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.
Key valuation signals for XGHA:RBGH:
FCF Margin %: 646.58% (1119% above median its 10-year median of 53.06)
GF Value™: GHS1.07 vs. price of GHS3.93 (267.3% above fair value)
Industry Position: 2339.9% above the Banks median (#1004 of 1508)
No single metric tells the full story. See the XGHA:RBGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
49GF Score
Get the complete analysis for XGHA:RBGH
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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