Republic Bank (Ghana) (XGHA:RBGH) FCF Margin %: -405.71% (As of Jun. 2026)

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XGHA:RBGH Republic Bank (Ghana) PLC XGHA:RBGH
24 GF Score
Price GHS4.20
GF Value GHS1.08
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Republic Bank (Ghana) FCF Margin %?

Republic Bank (Ghana) XGHA:RBGH 24 FCF Margin % is -405.71% as of Jun. 2026. GuruFocus rates XGHA:RBGH with a GF Score™ of 24/100 and a GF Value™ of GHS1.08 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,496 Banks companies, Republic Bank (Ghana) ranks worse than 95.39% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Republic Bank (Ghana)'s Free Cash Flow for the six months ended in Jun. 2026 was GHS-1,900 Mil. Republic Bank (Ghana)'s Revenue for the six months ended in Jun. 2026 was GHS468 Mil. Therefore, Republic Bank (Ghana)'s FCF Margin % for the quarter that ended in Jun. 2026 was -405.71%.

As of today, Republic Bank (Ghana)'s current FCF Yield % is -47.89%.

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: -168.08   Med: 53.06   Max: 186.17
Current: -168.08


During the past 13 years, the highest FCF Margin % of Republic Bank (Ghana) was 186.17%. The lowest was -168.08%. And the median was 53.06%.

XGHA:RBGH's FCF Margin % is ranked worse than
95.39% of 1496 companies
in the Banks industry
Industry Median: 27.145 vs XGHA:RBGH: -168.08


Republic Bank (Ghana) FCF Margin % Related Terms


Republic Bank (Ghana) FCF Margin % Historical Data

* Premium members only.

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.

Republic Bank (Ghana) FCF Margin % Chart

Republic Bank (Ghana) Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 51.36 186.17 178.41 38.26 11.04

Republic Bank (Ghana) Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 204.95 -120.42 -14.38 33.83 -405.71

XGHA:RBGH vs PNC: FCF Margin % Comparison

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.


XGHA:RBGH
24GF Score
Republic Bank (Ghana) PLC XGHA:RBGH
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Republic Bank (Ghana) FCF Margin % Calculation

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

Republic Bank (Ghana)'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 )
=115.384/1045.546
=11.04 %

Republic Bank (Ghana)'s FCF Margin for the quarter that ended in Jun. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=-1900.023/468.326
=-405.71 %

* 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 -405.71% mean?
Republic Bank (Ghana) (XGHA:RBGH) has a FCF Margin % of -405.71% as of Jun. 2026. 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. According to the industry distribution chart, Republic Bank (Ghana) ranks #1427 out of 1496 companies in the Banks industry, placing it in the top 95.4%.
Is Republic Bank (Ghana)'s FCF Margin % too high?
Republic Bank (Ghana)'s current FCF Margin % is -405.71%. Based on the distribution chart, Republic Bank (Ghana) ranks #1427 out of 1496 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Republic Bank (Ghana) has a GF Score™ of 24/100 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 #1427 out of 1496 companies for FCF Margin %. This places Republic Bank (Ghana) in the lower half of its industry. The industry median FCF Margin % is 27.15. 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 27.15, based on 1,496 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 Republic Bank (Ghana) and its competitors. For the Banks industry, the median FCF Margin % is 27.15 — 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 -405.71%. 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 GHS1.08, compared to a current price of GHS4.20 — trading 288.9% above its estimated fair value. The current FCF Margin % is -405.71%. Republic Bank (Ghana)'s overall GF Score™ is 24/100 with 3 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 Republic Bank (Ghana) (XGHA:RBGH), the current FCF Margin % is -405.71% as of Jun. 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 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 GHS4.20 is trading 288.9% above its estimated GF Value™ of GHS1.08. GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.

Key valuation signals for XGHA:RBGH:

  • FCF Margin %: -405.71%
  • GF Value™: GHS1.08 vs. price of GHS4.20 (288.9% above fair value)
  • GF Score™: 24/100 with 3 warning signs

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) Business Description

Address No. 35, Sixth Avenue, North Ridge, P. O. Box CT 4603, Cantonments, Accra, GHA, 4603
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.
24GF 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.

GHS4.20
Price
GHS1.08
GF Value