NCBA Group (NAI:NCBA) FCF Yield %: 24.25 (As of Jul. 22, 2026)

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NAI:NCBA NCBA Group PLC NAI:NCBA
69 GF Score
Price KES89.25
GF Value KES54.75
Valuation Significantly Overvalued
! 1 Warning Sign
View Full Analysis

What is NCBA Group FCF Yield %?

NCBA Group NAI:NCBA +0.56% 69 FCF Yield % is 24.25 as of Jul. 22, 2026. GuruFocus rates NAI:NCBA with a GF Score™ of 69/100 and a GF Value™ of KES54.75 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,498 Banks companies, NCBA Group ranks better than 79.91% 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, NCBA Group's Trailing 12-Month Free Cash Flow is KES35,664 Mil, and Market Cap is KES147,041 Mil. Therefore, NCBA Group's FCF Yield % for today is 24.25%.

The historical rank and industry rank for NCBA Group's FCF Yield % or its related term are showing as below:

NAI:NCBA' s FCF Yield % Range Over the Past 10 Years
Min: 0   Med: 0   Max: 24.39
Current: 24.25


During the past 13 years, the highest FCF Yield % of NCBA Group was 24.39%. The lowest was 0.00%. And the median was 0.00%.

NAI:NCBA's FCF Yield % is ranked better than
79.91% of 1498 companies
in the Banks industry
Industry Median: 8.11 vs NAI:NCBA: 24.25

NCBA Group's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.


NCBA Group 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.


NCBA Group FCF Yield % Related Terms


NCBA Group FCF Yield % Historical Data

* Premium members only.

The historical data trend for NCBA Group'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.

NCBA Group FCF Yield % Chart

NCBA Group Annual Data
Trend Dec15 Dec16 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 144.94 10.11 65.25 -22.63 25.77

NCBA Group 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 0.00 0.00 0.00 0.00 0.00

NCBA Group FCF Yield % Competitor Comparison

For the Banks - Regional subindustry, NCBA Group'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.


NCBA Group FCF Yield % vs Banks Industry

For the Banks industry and Financial Services sector, NCBA Group's FCF Yield % distribution charts can be found below:

* The bar in red indicates where NCBA Group's FCF Yield % falls into.


NAI:NCBA
69GF Score
NCBA Group PLC NAI:NCBA
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

NCBA Group 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.

NCBA Group's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=35664.269 / 138391.68
=25.77%

NCBA Group's annualized FCF Yield % for the quarter that ended in Mar. 2026 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=0 * 4 / 149512.44
=0.00%

* 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 24.25 mean?
NCBA Group (NAI:NCBA) has a FCF Yield % of 24.25 as of Jul. 22, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on NCBA Group and its competitors. According to the industry distribution chart, NCBA Group ranks #301 out of 1498 companies in the Banks industry, placing it in the top 20.1%.
Is NCBA Group's FCF Yield % too high?
NCBA Group's current FCF Yield % is 24.25. The Banks industry median FCF Yield % is 8.11. NCBA Group's value of 24.25 is 199% above this industry median. Based on the distribution chart, NCBA Group ranks #301 out of 1498 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NCBA Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCBA Group's FCF Yield % compare to competitors?
According to the Banks industry distribution chart, NCBA Group ranks #301 out of 1498 companies for FCF Yield %. This places NCBA Group in the top 20% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.11. NCBA Group's value of 24.25 is 199% 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 Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.11, based on 1,498 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. NCBA Group's current FCF Yield % of 24.25 is 199% 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 NCBA Group and its competitors. For the Banks industry, the median FCF Yield % is 8.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCBA Group's current FCF Yield % is 24.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCBA Group stock overvalued right now?
Based on GuruFocus' analysis, NCBA Group (NAI:NCBA) is currently considered Significantly Overvalued. The stock's GF Value™ is KES54.75, compared to a current price of KES89.25 — trading 63% above its estimated fair value. The current FCF Yield % is 24.25 and 199% above the Banks industry median of 8.11. NCBA Group's overall GF Score™ is 69/100 with 1 warning sign 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 NCBA Group (NAI:NCBA), the current FCF Yield % is 24.25 as of Jul. 22, 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 NCBA Group (NAI:NCBA) Overvalued in 2026?

Based on GuruFocus' analysis, NCBA Group stock appears to be overvalued. The current stock price of KES89.25 is trading 63% above its estimated GF Value™ of KES54.75. GuruFocus considers NCBA Group to be Significantly Overvalued.

Key valuation signals for NAI:NCBA:

  • FCF Yield %: 24.25
  • GF Value™: KES54.75 vs. price of KES89.25 (63% above fair value)
  • GF Score™: 69/100 with 1 warning sign
  • Industry Position: 199% above the Banks median (#301 of 1498)

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


NCBA Group Business Description

Address Mara and Ragati Roads, P.O. Box 44599-00100, NCBA Centre, Upper hill, Nairobi, KEN
NCBA Group PLC and its subsidiaries provide retail, corporate, and digital banking, brokerage, bancassurance, insurance, and investment banking services. The Group's operating divisions are: Corporate and institutional banking, Retail banking (SME and Consumer banking), Treasury dealing, Digital Bank, Investment banking, and Insurance. Through these divisions, it caters to different segments of customers from medium and large corporates to high net worth and other retail individual clients, offering them various kinds of financial products and services, such as deposit accounts, loans, advisory, digital banking, and wealth management solutions, among others. The Group's geographical segments are: Kenya, Uganda, Tanzania, Rwanda, and Ghana. The majority of its revenue is derived from Kenya.
69GF Score

Get the complete analysis for NAI:NCBA

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

KES89.25
Price
KES54.75
GF Value