National Bank of KuwaitK (KUW:NBK) Margin of Safety % (DCF FCF Based): 77.11% (As of Jul. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

KUW:NBK National Bank of Kuwait SAK KUW:NBK
46 GF Score
Price KWD0.81
GF Value KWD0.93
Valuation Modestly Undervalued
! 3 Warning Signs
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What is National Bank of KuwaitK Margin of Safety % (DCF FCF Based)?

National Bank of KuwaitK KUW:NBK +0.25% 46 Margin of Safety % (DCF FCF Based) is 77.11% as of Jul. 20, 2026. GuruFocus rates KUW:NBK with a GF Score™ of 46/100 and a GF Value™ of KWD0.93 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-20), National Bank of KuwaitK's Predictability Rank is 3.5-Stars. National Bank of KuwaitK's intrinsic value calculated from the Discounted FCF model is KWD0.81 and current share price is KWD0.808. Consequently,

National Bank of KuwaitK's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 77.11%.

KUW:NBK vs PNC: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, National Bank of KuwaitK's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Bank of KuwaitK Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, National Bank of KuwaitK's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where National Bank of KuwaitK's Margin of Safety % (DCF FCF Based) falls into.


KUW:NBK
46GF Score
National Bank of Kuwait SAK KUW:NBK
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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National Bank of KuwaitK Margin of Safety % (DCF FCF Based) Calculation

National Bank of KuwaitK's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(3.53-0.808)/3.53
=77.11 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 77.11% mean?
National Bank of KuwaitK (KUW:NBK) has a Margin of Safety % (DCF FCF Based) of 77.11% as of Jul. 20, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on National Bank of KuwaitK.
Is National Bank of KuwaitK's Margin of Safety % (DCF FCF Based) too high?
National Bank of KuwaitK's current Margin of Safety % (DCF FCF Based) is 77.11%. Overall, National Bank of KuwaitK has a GF Score™ of 46/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of KuwaitK's Margin of Safety % (DCF FCF Based) compare to PNC?
National Bank of KuwaitK's Margin of Safety % (DCF FCF Based) of 77.11% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on National Bank of KuwaitK. National Bank of KuwaitK's current Margin of Safety % (DCF FCF Based) is 77.11%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of KuwaitK stock overvalued right now?
Based on GuruFocus' analysis, National Bank of KuwaitK (KUW:NBK) is currently considered Modestly Undervalued. The stock's GF Value™ is KWD0.93, compared to a current price of KWD0.81 — trading 13.1% below its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 77.11%. National Bank of KuwaitK's overall GF Score™ is 46/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For National Bank of KuwaitK (KUW:NBK), the current Margin of Safety % (DCF FCF Based) is 77.11% as of Jul. 20, 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 Bank of KuwaitK (KUW:NBK) Overvalued in 2026?

Based on GuruFocus' analysis, National Bank of KuwaitK stock appears to be undervalued. The current stock price of KWD0.81 is trading 13.1% below its estimated GF Value™ of KWD0.93. GuruFocus considers National Bank of KuwaitK to be Modestly Undervalued.

Key valuation signals for KUW:NBK:

  • Margin of Safety % (DCF FCF Based): 77.11%
  • GF Value™: KWD0.93 vs. price of KWD0.81 (13.1% below fair value)
  • GF Score™: 46/100 with 3 warning signs

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

National Bank of KuwaitK Business Description

Address Al Shuhada Street, P.O. Box 95, Safat, Kuwait, KWT, 13001
National Bank of Kuwait SAK is a financial institution. The company's operating segment includes Consumer Banking, Corporate Banking, NBK Wealth, Islamic Banking, Group Centre, and International Banking. The company generates maximum revenue from the International Banking segment. The International Banking segment provides diversified products and services including lending, deposits, trade finance, etc. to corporate and individual customers. Geographically, it derives a majority of its revenue from Kuwait and also has a presence in the Middle East and North Africa; Europe and UK, and Other Countries.
46GF Score

Get the complete analysis for KUW:NBK

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KWD0.81
Price
KWD0.93
GF Value