Zenith BankNSA:ZENITH +0.44%84 OCF Margin % is 531.64% as of Mar. 2026, which is 966% above its 10-year median of 49.87. 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. Among 1,501 Banks companies, Zenith Bank ranks better than 92.14% on this metric.
The historical rank and industry rank for Zenith Bank's OCF Margin % or its related term are showing as below:
NSA:ZENITH'
s OCF Margin % Range Over the Past 10 Years
Min: -0.46 Med: 49.87 Max: 179.03
Current: 175.91
During the past 13 years, the highest OCF Margin % of Zenith Bank was 179.03%. The lowest was -0.46%. And the median was 49.87%.
NSA:ZENITH's OCF Margin % is ranked better than 92.14% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs NSA:ZENITH: 175.91
Zenith Bank OCF Margin % Related Terms
Zenith Bank OCF Margin % Historical Data
* Premium members only.
The historical data trend for Zenith Bank's OCF Margin % 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.
For the Banks - Regional subindustry, Zenith Bank'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.
Zenith Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Zenith Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Zenith Bank'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.
Zenith Bank (NSA:ZENITH) has a OCF Margin % of 531.64% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Zenith Bank and its competitors. This is 966% above median its historical median of 49.87. According to the industry distribution chart, Zenith Bank ranks #118 out of 1501 companies in the Banks industry, placing it in the top 7.9%.
Is Zenith Bank's OCF Margin % too high?
Zenith Bank's current OCF Margin % of 531.64% is 966% above median its 10-year median of 49.87. The Banks industry median OCF Margin % is 29.44. Zenith Bank's value of 531.64% is 1705.8% above this industry median. Based on the distribution chart, Zenith Bank ranks #118 out of 1501 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Zenith Bank ranks #118 out of 1501 companies for OCF Margin %. This places Zenith Bank in the top 8% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. Zenith Bank's value of 531.64% is 1705.8% above this benchmark. While the company's 10-year median is 49.87 vs. the industry median of 29.44, Zenith Bank 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 Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 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. Zenith Bank's current OCF Margin % of 531.64% is 1705.8% 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 Zenith Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zenith Bank's current OCF Margin % is 531.64%, which is 966% above median its own 10-year median of 49.87. 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 OCF Margin % is 531.64%, which is 966% above median its 10-year median of 49.87 and 1705.8% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Zenith Bank (NSA:ZENITH), the current OCF Margin % is 531.64% 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 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:
OCF Margin %: 531.64% (966% above median its 10-year median of 49.87)
GF Value™: ₦60.17 vs. price of ₦115.00 (91.1% above fair value)
Industry Position: 1705.8% above the Banks median (#118 of 1501)
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 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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:ZENITH has been successfully added to your 
