National Credit and Commerce Bank (DHA:NCCBANK) FCF Yield %: 22.27 (As of Jul. 05, 2026) — 28% Below Median


DHA:NCCBANK National Credit and Commerce Bank PLC DHA:NCCBANK
77 GF Score
Price BDT15.80
GF Value BDT13.35
Valuation Modestly Overvalued
! 4 Warning Signs
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What is National Credit and Commerce Bank FCF Yield %?

National Credit and Commerce Bank DHA:NCCBANK 77 FCF Yield % is 22.27 as of Jul. 05, 2026, which is 28% below its 10-year median of 31.00. GuruFocus rates DHA:NCCBANK with a GF Score™ of 77/100 and a GF Value™ of BDT13.35 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, National Credit and Commerce Bank ranks better than 78.39% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, National Credit and Commerce Bank's Trailing 12-Month Free Cash Flow is BDT4,063 Mil, and Market Cap is BDT18,246 Mil. Therefore, National Credit and Commerce Bank's FCF Yield % for today is 22.27%.

The historical rank and industry rank for National Credit and Commerce Bank's FCF Yield % or its related term are showing as below:

DHA:NCCBANK' s FCF Yield % Range Over the Past 10 Years
Min: -41.94   Med: 31   Max: 148.83
Current: 22.27


During the past 11 years, the highest FCF Yield % of National Credit and Commerce Bank was 148.83%. The lowest was -41.94%. And the median was 31.00%.

DHA:NCCBANK's FCF Yield % is ranked better than
78.39% of 1504 companies
in the Banks industry
Industry Median: 8.1 vs DHA:NCCBANK: 22.27

National Credit and Commerce Bank's FCF Margin % for the quarter that ended in Mar. 2026 was 44.43%.


National Credit and Commerce Bank FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


National Credit and Commerce Bank FCF Yield % Related Terms


National Credit and Commerce Bank FCF Yield % Historical Data

* Premium members only.

The historical data trend for National Credit and Commerce Bank's FCF Yield % 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.

National Credit and Commerce Bank FCF Yield % Chart

National Credit and Commerce Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.12 10.51 65.46 24.34 113.40

National Credit and Commerce Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Yield % 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 440.47 -31.01 -98.86 184.10 57.10

National Credit and Commerce Bank FCF Yield % Competitor Comparison

For the Banks - Regional subindustry, National Credit and Commerce Bank's FCF Yield %, along with its competitors' market caps and FCF Yield % 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.


National Credit and Commerce Bank FCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, National Credit and Commerce Bank's FCF Yield % distribution charts can be found below:

* The bar in red indicates where National Credit and Commerce Bank's FCF Yield % falls into.


DHA:NCCBANK
77GF Score
National Credit and Commerce Bank PLC DHA:NCCBANK
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Credit and Commerce Bank FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

National Credit and Commerce Bank's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=15362.92 / 13547.16127196
=113.40%

National Credit and Commerce Bank's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=2028.79 * 4 / 14213.41502928
=57.10%

* 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 Yield % →
What does a FCF Yield % of 22.27 mean?
National Credit and Commerce Bank (DHA:NCCBANK) has a FCF Yield % of 22.27 as of Jul. 05, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on National Credit and Commerce Bank and its competitors. This is 28% below median its historical median of 31.00. According to the industry distribution chart, National Credit and Commerce Bank ranks #325 out of 1504 companies in the Banks industry, placing it in the top 21.6%.
Is National Credit and Commerce Bank's FCF Yield % too high?
National Credit and Commerce Bank's current FCF Yield % of 22.27 is 28% below median its 10-year median of 31.00. The Banks industry median FCF Yield % is 8.10. National Credit and Commerce Bank's value of 22.27 is 174.9% above this industry median. Based on the distribution chart, National Credit and Commerce Bank ranks #325 out of 1504 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Credit and Commerce Bank has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Credit and Commerce Bank's FCF Yield % compare to competitors?
According to the Banks industry distribution chart, National Credit and Commerce Bank ranks #325 out of 1504 companies for FCF Yield %. This places National Credit and Commerce Bank in the top 22% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.10. National Credit and Commerce Bank's value of 22.27 is 174.9% above this benchmark. While the company's 10-year median is 31.00 vs. the industry median of 8.10, National Credit and Commerce 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.10, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Credit and Commerce Bank's current FCF Yield % of 22.27 is 174.9% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on National Credit and Commerce Bank and its competitors. For the Banks industry, the median FCF Yield % is 8.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Credit and Commerce Bank's current FCF Yield % is 22.27, which is 28% below median its own 10-year median of 31.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Credit and Commerce Bank stock overvalued right now?
Based on GuruFocus' analysis, National Credit and Commerce Bank (DHA:NCCBANK) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT13.35, compared to a current price of BDT15.80 — trading 18.4% above its estimated fair value. The current FCF Yield % is 22.27, which is 28% below median its 10-year median of 31.00 and 174.9% above the Banks industry median of 8.10. National Credit and Commerce Bank's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For National Credit and Commerce Bank (DHA:NCCBANK), the current FCF Yield % is 22.27 as of Jul. 05, 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 National Credit and Commerce Bank (DHA:NCCBANK) Overvalued in 2026?

Based on GuruFocus' analysis, National Credit and Commerce Bank stock appears to be overvalued. The current stock price of BDT15.80 is trading 18.4% above its estimated GF Value™ of BDT13.35. GuruFocus considers National Credit and Commerce Bank to be Modestly Overvalued.

Key valuation signals for DHA:NCCBANK:

  • FCF Yield %: 22.27 (28% below median its 10-year median of 31.00)
  • GF Value™: BDT13.35 vs. price of BDT15.80 (18.4% above fair value)
  • GF Score™: 77/100 with 4 warning signs
  • Industry Position: 174.9% above the Banks median (#325 of 1504)

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


National Credit and Commerce Bank Business Description

Address 13/1 - 13/2, Toyenbee Circular Road, Motijheel Commercial Area, NCC Bank Bhaban, Dhaka, BGD, 1000
National Credit and Commerce Bank PLC is a commercial bank in Bangladesh. The principal activities of the company are loans and deposit services, personal and commercial banking, trade services, and others to the customers. The company offers a range of services such as Retail Banking, Corporate Banking, NRB banking, and E-banking, among others.
77GF Score

Get the complete analysis for DHA:NCCBANK

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

BDT15.80
Price
BDT13.35
GF Value