* 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.
Union Internationale de Banques FCF Margin % Chart
For the Banks - Regional subindustry, Union Internationale de Banques'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.
Union Internationale de Banques FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques'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.
Union Internationale de Banques (XTUN:UIB) has a FCF Margin % of 0.83% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Union Internationale de Banques and its competitors. This is 98% below median its historical median of 34.30. According to the industry distribution chart, Union Internationale de Banques ranks #1110 out of 1505 companies in the Banks industry, placing it in the top 73.8%.
Is Union Internationale de Banques' FCF Margin % too high?
Union Internationale de Banques' current FCF Margin % of 0.83% is 98% below median its 10-year median of 34.30. The Banks industry median FCF Margin % is 26.55. Union Internationale de Banques' value of 0.83% is 96.9% below this industry median. Based on the distribution chart, Union Internationale de Banques ranks #1110 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Union Internationale de Banques has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' FCF Margin % compare to PNC?
According to the Banks industry distribution chart, Union Internationale de Banques ranks #1110 out of 1505 companies for FCF Margin %. This places Union Internationale de Banques in the lower half of its industry. The industry median FCF Margin % is 26.55. Union Internationale de Banques' value of 0.83% is 96.9% below this benchmark. While the company's 10-year median is 34.30 vs. the industry median of 26.55, Union Internationale de Banques has consistently been below 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 26.55, 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. Union Internationale de Banques's current FCF Margin % of 0.83% is 96.9% below 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 Union Internationale de Banques 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. Union Internationale de Banques's current FCF Margin % is 0.83%, which is 98% below median its own 10-year median of 34.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Fairly Valued. The stock's GF Value™ is TND24.67, compared to a current price of TND27.00 — trading 9.4% above its estimated fair value. The current FCF Margin % is 0.83%, which is 98% below median its 10-year median of 34.30 and 96.9% below the Banks industry median of 26.55. Union Internationale de Banques' overall GF Score™ is 82/100 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 Union Internationale de Banques (XTUN:UIB), the current FCF Margin % is 0.83% 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?
Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued.
The current stock price of TND27.00 is trading 9.4% above its estimated GF Value™ of TND24.67.
GuruFocus considers Union Internationale de Banques to be Fairly Valued.
Key valuation signals for XTUN:UIB:
FCF Margin %: 0.83% (98% below median its 10-year median of 34.30)
GF Value™: TND24.67 vs. price of TND27.00 (9.4% above fair value)
Industry Position: 96.9% below the Banks median (#1110 of 1505)
No single metric tells the full story. See the XTUN:UIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Internationale de Banques Business Description
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