Banco Internacional (XSGO:BINT) FCF Margin %: -208.60% (As of Dec. 2025)


XSGO:BINT Banco Internacional XSGO:BINT
52 GF Score
Price CLP122.39
GF Value CLP88.20
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Banco Internacional FCF Margin %?

Banco Internacional XSGO:BINT 52 FCF Margin % is -208.60% as of Dec. 2025. GuruFocus rates XSGO:BINT with a GF Score™ of 52/100 and a GF Value™ of CLP88.20 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, Banco Internacional ranks worse than 87.91% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Banco Internacional's Free Cash Flow for the three months ended in Dec. 2025 was CLP-121,629 Mil. Banco Internacional's Revenue for the three months ended in Dec. 2025 was CLP58,307 Mil. Therefore, Banco Internacional's FCF Margin % for the quarter that ended in Dec. 2025 was -208.60%.

As of today, Banco Internacional's current FCF Yield % is -18.82%.

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

XSGO:BINT' s FCF Margin % Range Over the Past 10 Years
Min: -327.89   Med: -53.85   Max: 393.25
Current: -64.52


During the past 12 years, the highest FCF Margin % of Banco Internacional was 393.25%. The lowest was -327.89%. And the median was -53.85%.

XSGO:BINT's FCF Margin % is ranked worse than
87.91% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs XSGO:BINT: -64.52


Banco Internacional FCF Margin % Related Terms


Banco Internacional FCF Margin % Historical Data

* Premium members only.

The historical data trend for Banco Internacional'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.

Banco Internacional FCF Margin % Chart

Banco Internacional 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 84.55 -146.65 39.71 -186.70 -66.66

Banco Internacional Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 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 -725.46 -45.63 0.00 26.11 -208.60

XSGO:BINT vs PNC, USB: FCF Margin % Comparison

For the Banks - Regional subindustry, Banco Internacional'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.


Banco Internacional FCF Margin % vs Banks Industry

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

* The bar in red indicates where Banco Internacional's FCF Margin % falls into.


XSGO:BINT
52GF Score
Banco Internacional XSGO:BINT
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Internacional FCF Margin % Calculation

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

Banco Internacional'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 )
=-149515/224295
=-66.66 %

Banco Internacional'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 )
=-121629/58307
=-208.60 %

* 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 -208.60% mean?
Banco Internacional (XSGO:BINT) has a FCF Margin % of -208.60% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco Internacional and its competitors. According to the industry distribution chart, Banco Internacional ranks #1323 out of 1505 companies in the Banks industry, placing it in the top 87.9%.
Is Banco Internacional's FCF Margin % too high?
Banco Internacional's current FCF Margin % is -208.60%. Based on the distribution chart, Banco Internacional ranks #1323 out of 1505 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Internacional has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Internacional ranks #1323 out of 1505 companies for FCF Margin %. This places Banco Internacional in the lower half of its industry. The industry median FCF Margin % is 26.55. 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 1,505 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 Banco Internacional 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. Banco Internacional's current FCF Margin % is -208.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Internacional stock overvalued right now?
Based on GuruFocus' analysis, Banco Internacional (XSGO:BINT) is currently considered Significantly Overvalued. The stock's GF Value™ is CLP88.20, compared to a current price of CLP122.39 — trading 38.8% above its estimated fair value. The current FCF Margin % is -208.60%. Banco Internacional's overall GF Score™ is 52/100 with 5 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 Banco Internacional (XSGO:BINT), the current FCF Margin % is -208.60% 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 Banco Internacional (XSGO:BINT) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Internacional stock appears to be overvalued. The current stock price of CLP122.39 is trading 38.8% above its estimated GF Value™ of CLP88.20. GuruFocus considers Banco Internacional to be Significantly Overvalued.

Key valuation signals for XSGO:BINT:

  • FCF Margin %: -208.60%
  • GF Value™: CLP88.20 vs. price of CLP122.39 (38.8% above fair value)
  • GF Score™: 52/100 with 5 warning signs

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


Banco Internacional Business Description

Address Avenida Apoquindo 6750, Piso 16, Las Condes, Santiago, CHL
Banco Internacional is engaged in providing banking products and services including retail & corporate banking including current accounts, insurance, leasing, factoring, money market and agricultural banking. It also provides mortgage credit, consumer credit, and online bank service. The operating segments of the company are: Commercial Banking; Personal Banking; and Treasury and Investments.
52GF Score

Get the complete analysis for XSGO:BINT

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

CLP122.39
Price
CLP88.20
GF Value