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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-17), Arion banki hf's Intrinsic Value: Projected FCF is kr235.63. The stock price of Arion banki hf is kr177.50. Therefore, Arion banki hf's Price-to-Intrinsic-Value-Projected-FCF of today is 0.8.
The historical rank and industry rank for Arion banki hf's Intrinsic Value: Projected FCF or its related term are showing as below:
OISE:ARION'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.63 Med: 1.02 Max: 1.7
Current: 0.75
During the past 12 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Arion banki hf was 1.70. The lowest was 0.63. And the median was 1.02.
OISE:ARION's Price-to-Projected-FCF is ranked worse than 67.26% of 1301
companies
in the Banks industry
Industry Median: 0.6
vs OISE:ARION: 0.75
Arion banki hf (OISE:ARION) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Arion banki hf's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
177.50
/
457.37948218382
=
0.39
* 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.
Arion banki hf Intrinsic Value: Projected FCF Related Terms
Arion banki hf Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Arion banki hf's Intrinsic Value: Projected FCF 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.
Arion banki hf Intrinsic Value: Projected FCF Chart
OISE:ARION vs USB, PNC: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Arion banki hf's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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.
Arion banki hf Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Arion banki hf's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Arion banki hf's Price-to-Projected-FCF falls into.
Arion banki hf Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of kr235.63 mean?
Arion banki hf (OISE:ARION) has a Intrinsic Value: Projected FCF of kr235.63 as of Sep. 17, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Arion banki hf and its competitors. According to the industry distribution chart, Arion banki hf ranks #875 out of 1301 companies in the Banks industry, placing it in the top 67.3%.
Is Arion banki hf's Intrinsic Value: Projected FCF too high?
Arion banki hf's current Intrinsic Value: Projected FCF is kr235.63. Based on the distribution chart, Arion banki hf ranks #875 out of 1301 companies in the Banks industry, which is below the industry midpoint. Overall, Arion banki hf has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Arion banki hf's Intrinsic Value: Projected FCF compare to USB and PNC?
According to the Banks industry distribution chart, Arion banki hf ranks #875 out of 1301 companies for Intrinsic Value: Projected FCF. This places Arion banki hf in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,301 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Arion banki hf and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arion banki hf's current Intrinsic Value: Projected FCF is kr235.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arion banki hf stock overvalued right now?
Based on GuruFocus' analysis, Arion banki hf (OISE:ARION) is currently considered Modestly Undervalued. The stock's GF Value™ is kr199.88, compared to a current price of kr177.50 — trading 11.2% below its estimated fair value. The current Intrinsic Value: Projected FCF is kr235.63. Arion banki hf's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Arion banki hf (OISE:ARION), the current Intrinsic Value: Projected FCF is kr235.63 as of Sep. 17, 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 Arion banki hf (OISE:ARION) Overvalued in 2026?
Based on GuruFocus' analysis, Arion banki hf stock appears to be undervalued.
The current stock price of kr177.50 is trading 11.2% below its estimated GF Value™ of kr199.88.
GuruFocus considers Arion banki hf to be Modestly Undervalued.
Key valuation signals for OISE:ARION:
Intrinsic Value: Projected FCF: kr235.63
GF Value™: kr199.88 vs. price of kr177.50 (11.2% below fair value)
No single metric tells the full story. See the OISE:ARION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arion banki hf is a universal relationship bank operating in the Icelandic financial market. Its operating segments are Markets & Stefnir, Corporate & Investment Banking, Retail Banking, Treasury, Other subsidiaries, and Supporting units. The Corporate & Investment Banking segment of the company generates the majority of the revenue and is engaged in providing comprehensive financial services to companies and investors both in Iceland and internationally.
61GF Score
Get the complete analysis for OISE:ARION
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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