Arab Islamic Bank (XPAE:AIB) FCF Margin %: 153.59% (As of Dec. 2025)


XPAE:AIB Arab Islamic Bank XPAE:AIB
61 GF Score
Price $1.09
GF Value $1.24
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Arab Islamic Bank FCF Margin %?

Arab Islamic Bank XPAE:AIB -0.91% 61 FCF Margin % is 153.59% as of Dec. 2025. GuruFocus rates XPAE:AIB with a GF Score™ of 61/100 and a GF Value™ of $1.24 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,509 Banks companies, Arab Islamic Bank ranks better than 81.71% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Arab Islamic Bank's Free Cash Flow for the three months ended in Dec. 2025 was $49.91 Mil. Arab Islamic Bank's Revenue for the three months ended in Dec. 2025 was $32.50 Mil. Therefore, Arab Islamic Bank's FCF Margin % for the quarter that ended in Dec. 2025 was 153.59%.

As of today, Arab Islamic Bank's current FCF Yield % is 64.30%.

The historical rank and industry rank for Arab Islamic Bank's FCF Margin % or its related term are showing as below:

XPAE:AIB' s FCF Margin % Range Over the Past 10 Years
Min: -335.54   Med: -66.29   Max: 96.76
Current: 77.46


During the past 13 years, the highest FCF Margin % of Arab Islamic Bank was 96.76%. The lowest was -335.54%. And the median was -66.29%.

XPAE:AIB's FCF Margin % is ranked better than
81.71% of 1509 companies
in the Banks industry
Industry Median: 26.55 vs XPAE:AIB: 77.46


Arab Islamic Bank FCF Margin % Related Terms


Arab Islamic Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Arab Islamic 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.

Arab Islamic Bank FCF Margin % Chart

Arab Islamic Bank 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 -25.18 26.95 -51.19 -50.57 96.76

Arab Islamic Bank Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 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 -44.06 -61.70 163.91 -13.56 153.59

XPAE:AIB vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Arab Islamic 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.


Arab Islamic Bank FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Arab Islamic Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Arab Islamic Bank's FCF Margin % falls into.


XPAE:AIB
61GF Score
Arab Islamic Bank XPAE:AIB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Arab Islamic Bank FCF Margin % Calculation

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

Arab Islamic Bank'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 )
=70.877/73.252
=96.76 %

Arab Islamic Bank'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 )
=49.913/32.498
=153.59 %

* 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 153.59% mean?
Arab Islamic Bank (XPAE:AIB) has a FCF Margin % of 153.59% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Arab Islamic Bank and its competitors. According to the industry distribution chart, Arab Islamic Bank ranks #276 out of 1509 companies in the Banks industry, placing it in the top 18.3%.
Is Arab Islamic Bank's FCF Margin % too high?
Arab Islamic Bank's current FCF Margin % is 153.59%. The Banks industry median FCF Margin % is 26.55. Arab Islamic Bank's value of 153.59% is 478.5% above this industry median. Based on the distribution chart, Arab Islamic Bank ranks #276 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Arab Islamic Bank has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Arab Islamic Bank's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Arab Islamic Bank ranks #276 out of 1509 companies for FCF Margin %. This places Arab Islamic Bank in the top 18% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Arab Islamic Bank's value of 153.59% is 478.5% above this benchmark. 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 26.55, based on 1,509 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. Arab Islamic Bank's current FCF Margin % of 153.59% is 478.5% 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 Arab Islamic Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arab Islamic Bank's current FCF Margin % is 153.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arab Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Arab Islamic Bank (XPAE:AIB) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.24, compared to a current price of $1.09 — trading 12.1% below its estimated fair value. The current FCF Margin % is 153.59% and 478.5% above the Banks industry median of 26.55. Arab Islamic Bank's overall GF Score™ is 61/100 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 Arab Islamic Bank (XPAE:AIB), the current FCF Margin % is 153.59% 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 Arab Islamic Bank (XPAE:AIB) Overvalued in 2026?

Based on GuruFocus' analysis, Arab Islamic Bank stock appears to be undervalued. The current stock price of $1.09 is trading 12.1% below its estimated GF Value™ of $1.24. GuruFocus considers Arab Islamic Bank to be Modestly Undervalued.

Key valuation signals for XPAE:AIB:

  • FCF Margin %: 153.59%
  • GF Value™: $1.24 vs. price of $1.09 (12.1% below fair value)
  • GF Score™: 61/100 with 3 warning signs
  • Industry Position: 478.5% above the Banks median (#276 of 1509)

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


Arab Islamic Bank Business Description

Address P.O. Box 631, Al- Bireh, Ramallah, PSE
Arab Islamic Bank is an Islamic banking firm in Palestine that provides banking and investment services according to Islamic Shari'a. The bank operates through three segments including Retail banking, Corporate banking, and Treasury. Its Retail Banking segment is engaged in handling individual customers' deposits and providing them with Islamic financing and other services. Its Corporate banking segment handles Islamic financing, deposits and current accounts for corporate and institutional customers. While its Treasury segment provides trading and treasury services and also manages Bank's funds and investments. The bank operates geographically in Palestine, Jordan, Israel and other countries, and earns majority of its revenue from Palestine.
61GF Score

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

$1.09
Price
$1.24
GF Value