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NCB Financial GroupXJAM:NCBFG -1.02%60 FCF Margin % is 78.22% as of Dec. 2025, which is 233% above its 10-year median of 23.48. GuruFocus rates XJAM:NCBFG with a GF Score™ of 60/100 and a GF Value™ of JMD39.49 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 109 Diversified Financial Services companies, NCB Financial Group ranks better than 83.49% on this metric.
The historical rank and industry rank for NCB Financial Group's FCF Margin % or its related term are showing as below:
XJAM:NCBFG'
s FCF Margin % Range Over the Past 10 Years
Min: -3.33 Med: 23.48 Max: 131.9
Current: 63
During the past 13 years, the highest FCF Margin % of NCB Financial Group was 131.90%. The lowest was -3.33%. And the median was 23.48%.
XJAM:NCBFG's FCF Margin % is ranked better than 83.49% of 109
companies
in the Diversified Financial Services industry
Industry Median: 1.71
vs XJAM:NCBFG: 63.00
The historical data trend for NCB Financial Group'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 Financial Conglomerates subindustry, NCB Financial Group'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.
NCB Financial Group FCF Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where NCB Financial Group'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.
NCB Financial Group (XJAM:NCBFG) has a FCF Margin % of 78.22% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NCB Financial Group and its competitors. This is 233% above median its historical median of 23.48. According to the industry distribution chart, NCB Financial Group ranks #18 out of 109 companies in the Diversified Financial Services industry, placing it in the top 16.5%.
Is NCB Financial Group's FCF Margin % too high?
NCB Financial Group's current FCF Margin % of 78.22% is 233% above median its 10-year median of 23.48. The Diversified Financial Services industry median FCF Margin % is 1.71. NCB Financial Group's value of 78.22% is 4474.3% above this industry median. Based on the distribution chart, NCB Financial Group ranks #18 out of 109 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, NCB Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCB Financial Group's FCF Margin % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, NCB Financial Group ranks #18 out of 109 companies for FCF Margin %. This places NCB Financial Group in the top 17% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 1.71. NCB Financial Group's value of 78.22% is 4474.3% above this benchmark. While the company's 10-year median is 23.48 vs. the industry median of 1.71, NCB Financial Group 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 Diversified Financial Services company?
The median FCF Margin % among Diversified Financial Services companies is 1.71, based on 109 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. NCB Financial Group's current FCF Margin % of 78.22% is 4474.3% 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 NCB Financial Group and its competitors. For the Diversified Financial Services industry, the median FCF Margin % is 1.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCB Financial Group's current FCF Margin % is 78.22%, which is 233% above median its own 10-year median of 23.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, NCB Financial Group (XJAM:NCBFG) is currently considered Significantly Overvalued. The stock's GF Value™ is JMD39.49, compared to a current price of JMD74.00 — trading 87.4% above its estimated fair value. The current FCF Margin % is 78.22%, which is 233% above median its 10-year median of 23.48 and 4474.3% above the Diversified Financial Services industry median of 1.71. NCB Financial Group's overall GF Score™ is 60/100 with 6 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 NCB Financial Group (XJAM:NCBFG), the current FCF Margin % is 78.22% 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 NCB Financial Group (XJAM:NCBFG) Overvalued in 2026?
Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued.
The current stock price of JMD74.00 is trading 87.4% above its estimated GF Value™ of JMD39.49.
GuruFocus considers NCB Financial Group to be Significantly Overvalued.
Key valuation signals for XJAM:NCBFG:
FCF Margin %: 78.22% (233% above median its 10-year median of 23.48)
GF Value™: JMD39.49 vs. price of JMD74.00 (87.4% above fair value)
Industry Position: 4474.3% above the Diversified Financial Services median (#18 of 109)
No single metric tells the full story. See the XJAM:NCBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
60GF Score
Get the complete analysis for XJAM:NCBFG
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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