Zenith Bank (NSA:ZENITH) Margin of Safety % (DCF FCF Based): 97.14% (As of Jun. 26, 2026)


NSA:ZENITH Zenith Bank PLC NSA:ZENITH
84 GF Score
Price ₦115.00
GF Value ₦60.17
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Zenith Bank Margin of Safety % (DCF FCF Based)?

Zenith Bank NSA:ZENITH +0.44% 84 Margin of Safety % (DCF FCF Based) is 97.14% as of Jun. 26, 2026. GuruFocus rates NSA:ZENITH with a GF Score™ of 84/100 and a GF Value™ of ₦60.17 (Significantly Overvalued). The stock has 1 warning sign 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 (2026-06-26), Zenith Bank's Predictability Rank is 3-Stars. Zenith Bank's intrinsic value calculated from the Discounted FCF model is ₦799.56 and current share price is ₦115.00. Consequently,

Zenith Bank's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 97.14%.

Zenith Bank Margin of Safety % (DCF FCF Based) Competitor Comparison

For the Banks - Regional subindustry, Zenith Bank'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.

Zenith Bank Margin of Safety % (DCF FCF Based) vs Banks Industry

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

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


NSA:ZENITH
84GF Score
Zenith Bank PLC NSA:ZENITH
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Zenith Bank Margin of Safety % (DCF FCF Based) Calculation

Zenith Bank'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)
=(4021.88-115.00)/4021.88
=97.14 %

* 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 97.14% mean?
Zenith Bank (NSA:ZENITH) has a Margin of Safety % (DCF FCF Based) of 97.14% as of Jun. 26, 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 Zenith Bank.
Is Zenith Bank's Margin of Safety % (DCF FCF Based) too high?
Zenith Bank's current Margin of Safety % (DCF FCF Based) is 97.14%. Overall, Zenith Bank has a GF Score™ of 84/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zenith Bank's Margin of Safety % (DCF FCF Based) compare to competitors?
Zenith Bank's Margin of Safety % (DCF FCF Based) of 97.14% 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 Zenith Bank. Zenith Bank's current Margin of Safety % (DCF FCF Based) is 97.14%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zenith Bank stock overvalued right now?
Based on GuruFocus' analysis, Zenith Bank (NSA:ZENITH) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦60.17, compared to a current price of ₦115.00 — trading 91.1% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 97.14%. Zenith Bank's overall GF Score™ is 84/100 with 1 warning sign 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 Zenith Bank (NSA:ZENITH), the current Margin of Safety % (DCF FCF Based) is 97.14% as of Jun. 26, 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 Zenith Bank (NSA:ZENITH) Overvalued in 2026?

Based on GuruFocus' analysis, Zenith Bank stock appears to be overvalued. The current stock price of ₦115.00 is trading 91.1% above its estimated GF Value™ of ₦60.17. GuruFocus considers Zenith Bank to be Significantly Overvalued.

Key valuation signals for NSA:ZENITH:

  • Margin of Safety % (DCF FCF Based): 97.14%
  • GF Value™: ₦60.17 vs. price of ₦115.00 (91.1% above fair value)
  • GF Score™: 84/100 with 1 warning sign

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

Zenith Bank Business Description

Address Plot 84/87, Ajose Adeogun Street, Zenith Heights, Victoria Island, Lagos, NGA
Zenith Bank PLC is a Nigeria- based company. Its core business is the provision of banking and other financial services to corporate and individual customers. The bank provides services such as granting of loans and advances, corporate finance and money market activities. It also provides banking and pension custodial services to a diverse group of corporations, financial institutions, investment funds, governments and individuals; provision of investment advisory, financial planning services and investment product offerings; providing brokerage services, financing services and securities lending services to institutional clients, including mutual funds, pension funds and to high-net-worth individuals. Revenue generated by bank consists of interest income, fees and commission received.
84GF Score

Get the complete analysis for NSA:ZENITH

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

₦115.00
Price
₦60.17
GF Value