Himalayan BankXNEP:HBL +3.09%71 FCF Margin % is 170.30% as of Apr. 2026, which is 2156% above its 10-year median of 7.55. GuruFocus rates XNEP:HBL with a GF Score™ of 71/100 and a GF Value™ of NPR216.80 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,506 Banks companies, Himalayan Bank ranks worse than 80.15% on this metric.
The historical rank and industry rank for Himalayan Bank's FCF Margin % or its related term are showing as below:
XNEP:HBL'
s FCF Margin % Range Over the Past 10 Years
Min: -83.31 Med: 7.55 Max: 193.58
Current: -21.08
During the past 7 years, the highest FCF Margin % of Himalayan Bank was 193.58%. The lowest was -83.31%. And the median was 7.55%.
XNEP:HBL's FCF Margin % is ranked worse than 80.15% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs XNEP:HBL: -21.08
Himalayan Bank FCF Margin % Related Terms
Himalayan Bank FCF Margin % Historical Data
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The historical data trend for Himalayan 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, Himalayan 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.
Himalayan Bank FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Himalayan Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Himalayan 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.
Himalayan Bank (XNEP:HBL) has a FCF Margin % of 170.30% as of Apr. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Himalayan Bank and its competitors. This is 2156% above median its historical median of 7.55. According to the industry distribution chart, Himalayan Bank ranks #1207 out of 1506 companies in the Banks industry, placing it in the top 80.1%.
Is Himalayan Bank's FCF Margin % too high?
Himalayan Bank's current FCF Margin % of 170.30% is 2156% above median its 10-year median of 7.55. The Banks industry median FCF Margin % is 26.36. Himalayan Bank's value of 170.30% is 546.2% above this industry median. Based on the distribution chart, Himalayan Bank ranks #1207 out of 1506 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Himalayan Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Himalayan Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Himalayan Bank ranks #1207 out of 1506 companies for FCF Margin %. This places Himalayan Bank in the lower half of its industry. The industry median FCF Margin % is 26.36. Himalayan Bank's value of 170.30% is 546.2% above this benchmark. While the company's 10-year median is 7.55 vs. the industry median of 26.36, Himalayan Bank 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 26.36, based on 1,506 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. Himalayan Bank's current FCF Margin % of 170.30% is 546.2% 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 Himalayan Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Himalayan Bank's current FCF Margin % is 170.30%, which is 2156% above median its own 10-year median of 7.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Himalayan Bank stock overvalued right now?
Based on GuruFocus' analysis, Himalayan Bank (XNEP:HBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR216.80, compared to a current price of NPR200.00 — trading 7.7% below its estimated fair value. The current FCF Margin % is 170.30%, which is 2156% above median its 10-year median of 7.55 and 546.2% above the Banks industry median of 26.36. Himalayan Bank's overall GF Score™ is 71/100 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 Himalayan Bank (XNEP:HBL), the current FCF Margin % is 170.30% as of Apr. 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 Himalayan Bank (XNEP:HBL) Overvalued in 2026?
Based on GuruFocus' analysis, Himalayan Bank stock appears to be undervalued.
The current stock price of NPR200.00 is trading 7.7% below its estimated GF Value™ of NPR216.80.
GuruFocus considers Himalayan Bank to be Fairly Valued.
Key valuation signals for XNEP:HBL:
FCF Margin %: 170.30% (2156% above median its 10-year median of 7.55)
GF Value™: NPR216.80 vs. price of NPR200.00 (7.7% below fair value)
Industry Position: 546.2% above the Banks median (#1207 of 1506)
No single metric tells the full story. See the XNEP:HBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Himalayan Bank Ltd is a Nepal based company involved in the banking business. It includes products such as Loans and Advances, Letter of Credit, Guarantee, Remittance, Card Services, Bills purchase and discounting, Collection services, and many more. It also offers remittance services, card services, and other ancillary services like safe deposit locker services, as well as a wide range of electronic banking facilities. The products and services are offered to personal and business customers in Nepal. The company's maximum revenue is from the Loan and Advances product. Operates geographically within Nepal, with maximum revenue from Bagmati.
71GF Score
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