NLB Banka a.d. Skopje (XMAE:TNB) FCF Margin %: 0.00% (As of Dec. 2025)

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XMAE:TNB NLB Banka a.d. Skopje XMAE:TNB
81 GF Score
Price MKD51,940.00
GF Value MKD55,047.64
Valuation Fairly Valued
! 1 Warning Sign
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What is NLB Banka a.d. Skopje FCF Margin %?

NLB Banka a.d. Skopje XMAE:TNB 81 FCF Margin % is 0.00% as of Dec. 2025. GuruFocus rates XMAE:TNB with a GF Score™ of 81/100 and a GF Value™ of MKD55,047.64 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,492 Banks companies, NLB Banka a.d. Skopje ranks worse than 54.83% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. NLB Banka a.d. Skopje's Free Cash Flow for the three months ended in Dec. 2025 was MKD0 Mil. NLB Banka a.d. Skopje's Revenue for the three months ended in Dec. 2025 was MKD0 Mil. Therefore, NLB Banka a.d. Skopje's FCF Margin % for the quarter that ended in Dec. 2025 was 0.00%.

As of today, NLB Banka a.d. Skopje's current FCF Yield % is 3.60%.

The historical rank and industry rank for NLB Banka a.d. Skopje's FCF Margin % or its related term are showing as below:

XMAE:TNB' s FCF Margin % Range Over the Past 10 Years
Min: 24.1   Med: 53.71   Max: 130.21
Current: 24.1


During the past 13 years, the highest FCF Margin % of NLB Banka a.d. Skopje was 130.21%. The lowest was 24.10%. And the median was 53.71%.

XMAE:TNB's FCF Margin % is ranked worse than
54.83% of 1492 companies
in the Banks industry
Industry Median: 27.405 vs XMAE:TNB: 24.10


NLB Banka a.d. Skopje FCF Margin % Related Terms


NLB Banka a.d. Skopje FCF Margin % Historical Data

* Premium members only.

The historical data trend for NLB Banka a.d. Skopje'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.

NLB Banka a.d. Skopje FCF Margin % Chart

NLB Banka a.d. Skopje 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 33.62 54.64 48.12 130.21 32.45

NLB Banka a.d. Skopje Quarterly Data
Dec19 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Dec25
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 -1.44 203.66 316.25 -394.61 0.00

XMAE:TNB vs USB, PNC: FCF Margin % Comparison

For the Banks - Regional subindustry, NLB Banka a.d. Skopje'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.


NLB Banka a.d. Skopje FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, NLB Banka a.d. Skopje's FCF Margin % distribution charts can be found below:

* The bar in red indicates where NLB Banka a.d. Skopje's FCF Margin % falls into.


XMAE:TNB
81GF Score
NLB Banka a.d. Skopje XMAE:TNB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

NLB Banka a.d. Skopje FCF Margin % Calculation

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

NLB Banka a.d. Skopje'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 )
=2274.305/7008.64
=32.45 %

NLB Banka a.d. Skopje'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 )
=0/0
= %

* 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 0.00% mean?
NLB Banka a.d. Skopje (XMAE:TNB) has a FCF Margin % of 0.00% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on NLB Banka a.d. Skopje and its competitors. Over the past decade, NLB Banka a.d. Skopje's FCF Margin % has ranged from 24.10 to 130.21. According to the industry distribution chart, NLB Banka a.d. Skopje ranks #818 out of 1492 companies in the Banks industry, placing it in the top 54.8%.
Is NLB Banka a.d. Skopje's FCF Margin % too high?
NLB Banka a.d. Skopje's current FCF Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 24.10 to a high of 130.21. Based on the distribution chart, NLB Banka a.d. Skopje ranks #818 out of 1492 companies in the Banks industry, which is below the industry midpoint. Overall, NLB Banka a.d. Skopje has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NLB Banka a.d. Skopje's FCF Margin % compare to USB and PNC?
According to the Banks industry distribution chart, NLB Banka a.d. Skopje ranks #818 out of 1492 companies for FCF Margin %. This places NLB Banka a.d. Skopje in the lower half of its industry. The industry median FCF Margin % is 27.41. Historically, NLB Banka a.d. Skopje's own FCF Margin % has ranged from 24.10 to 130.21 over the past decade. 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 27.41, based on 1,492 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 NLB Banka a.d. Skopje and its competitors. For the Banks industry, the median FCF Margin % is 27.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NLB Banka a.d. Skopje's current FCF Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka a.d. Skopje stock overvalued right now?
Based on GuruFocus' analysis, NLB Banka a.d. Skopje (XMAE:TNB) is currently considered Fairly Valued. The stock's GF Value™ is MKD55,047.64, compared to a current price of MKD51,940.00 — trading 5.6% below its estimated fair value. The current FCF Margin % is 0.00%. NLB Banka a.d. Skopje's overall GF Score™ is 81/100 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 NLB Banka a.d. Skopje (XMAE:TNB), the current FCF Margin % is 0.00% 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 NLB Banka a.d. Skopje (XMAE:TNB) Overvalued in 2026?

Based on GuruFocus' analysis, NLB Banka a.d. Skopje stock appears to be undervalued. The current stock price of MKD51,940.00 is trading 5.6% below its estimated GF Value™ of MKD55,047.64. GuruFocus considers NLB Banka a.d. Skopje to be Fairly Valued.

Key valuation signals for XMAE:TNB:

  • FCF Margin %: 0.00%
  • GF Value™: MKD55,047.64 vs. price of MKD51,940.00 (5.6% below fair value)
  • GF Score™: 81/100 with 1 warning sign

No single metric tells the full story. See the XMAE:TNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


NLB Banka a.d. Skopje Business Description

Address Majka Tereza No.1, Skopje, MKD, 1000
NLB Banka a.d. Skopje is a bank in the Republic of Macedonia. It provides general banking services like accepting deposits, granting loans and advances, foreign exchange, asset management, retail banking services, brokerage services, custody services, and many others. The bank operates in the Republic of Macedonia, EU countries, Non-EU countries in Europe, and other countries.
81GF Score

Get the complete analysis for XMAE:TNB

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MKD51,940.00
Price
MKD55,047.64
GF Value