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COL:CDB.N0000'
s OCF Margin % Range Over the Past 10 Years
Min: -42.83 Med: 10.56 Max: 49.86
Current: -42.23
During the past 13 years, the highest OCF Margin % of Citizens Development Business Finance was 49.86%. The lowest was -42.83%. And the median was 10.56%.
COL:CDB.N0000's OCF Margin % is not ranked
in the Credit Services industry.
Industry Median: 2.615
vs COL:CDB.N0000: -42.23
* 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.
Citizens Development Business Finance OCF Margin % Chart
COL:CDB.N0000 vs V, MA, AXP: OCF Margin % Comparison
For the Credit Services subindustry, Citizens Development Business Finance's OCF Margin %, along with its competitors' market caps and OCF Margin % 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.
Citizens Development Business Finance OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Citizens Development Business Finance's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens Development Business Finance's OCF Margin % falls into.
* 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.
Citizens Development Business Finance (COL:CDB.N0000) has a OCF Margin % of 26.58% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Development Business Finance and its competitors. This is 152% above median its historical median of 10.56.
Is Citizens Development Business Finance's OCF Margin % too high?
Citizens Development Business Finance's current OCF Margin % of 26.58% is 152% above median its 10-year median of 10.56. The Credit Services industry median OCF Margin % is 2.62. Citizens Development Business Finance's value of 26.58% is 916.4% above this industry median. Overall, Citizens Development Business Finance has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Citizens Development Business Finance's OCF Margin % compare to V and MA?
Citizens Development Business Finance's OCF Margin % of 26.58% can be compared against companies in the Credit Services industry. The industry median OCF Margin % is 2.62. Citizens Development Business Finance's value of 26.58% is 916.4% above this benchmark. While the company's 10-year median is 10.56 vs. the industry median of 2.62, Citizens Development Business Finance 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.62, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens Development Business Finance's current OCF Margin % of 26.58% is 916.4% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Citizens Development Business Finance and its competitors. For the Credit Services industry, the median OCF Margin % is 2.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Development Business Finance's current OCF Margin % is 26.58%, which is 152% above median its own 10-year median of 10.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Development Business Finance stock overvalued right now?
Citizens Development Business Finance (COL:CDB.N0000) has a current OCF Margin % of 26.58%. The stock's GF Value™ is රු360.49, compared to a current price of රු37.00 — trading 89.7% below its estimated fair value. The current OCF Margin % is 26.58%, which is 152% above median its 10-year median of 10.56 and 916.4% above the Credit Services industry median of 2.62. Citizens Development Business Finance's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Citizens Development Business Finance (COL:CDB.N0000), the current OCF Margin % is 26.58% as of Mar. 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 Citizens Development Business Finance (COL:CDB.N0000) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Development Business Finance stock appears to be undervalued.
The current stock price of රු37.00 is trading 89.7% below its estimated GF Value™ of රු360.49.
Key valuation signals for COL:CDB.N0000:
OCF Margin %: 26.58% (152% above median its 10-year median of 10.56)
GF Value™: රු360.49 vs. price of රු37.00 (89.7% below fair value)
Industry Position: 916.4% above the Credit Services median
No single metric tells the full story. See the COL:CDB.N0000 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Development Business Finance PLC provides a vast range of financial services which includes accepting term and savings deposits, leasing, hire purchase, loan facilities, gold loan, foreign exchange, foreign remittances, and issuance of international debit cards, credit cards, margin trading Islamic finance products and other financial services. Its operating segments are Leasing and hire purchase includes Finance lease business and hire purchases of the Company; Loans and advances; and Investment consist Managing funding, investing and liquidity operations. Majority of revenue comes from Loans and advances which is given to customers other than leasing and hire purchases of the company. Its products are Savings, Cards, Fixed deposits, Leasing & loans, Other services, etc.
67GF Score
Get the complete analysis for COL:CDB.N0000
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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