Banco Pichincha CAQUI:PCD +0.76%96 OCF Margin % is 76.83% as of Dec. 2025, which is 152% above its 10-year median of 30.54. GuruFocus rates QUI:PCD with a GF Score™ of 96/100 and a GF Value™ of $107.47 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,501 Banks companies, Banco Pichincha CA ranks better than 80.41% on this metric.
The historical rank and industry rank for Banco Pichincha CA's OCF Margin % or its related term are showing as below:
QUI:PCD'
s OCF Margin % Range Over the Past 10 Years
Min: -69.64 Med: 30.54 Max: 115.91
Current: 76.83
During the past 10 years, the highest OCF Margin % of Banco Pichincha CA was 115.91%. The lowest was -69.64%. And the median was 30.54%.
QUI:PCD's OCF Margin % is ranked better than 80.41% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs QUI:PCD: 76.83
Banco Pichincha CA OCF Margin % Related Terms
Banco Pichincha CA OCF Margin % Historical Data
* Premium members only.
The historical data trend for Banco Pichincha CA'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, Banco Pichincha CA'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.
Banco Pichincha CA OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pichincha CA's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Banco Pichincha CA'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.
Banco Pichincha CA (QUI:PCD) has a OCF Margin % of 76.83% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Banco Pichincha CA and its competitors. This is 152% above median its historical median of 30.54. According to the industry distribution chart, Banco Pichincha CA ranks #294 out of 1501 companies in the Banks industry, placing it in the top 19.6%.
Is Banco Pichincha CA's OCF Margin % too high?
Banco Pichincha CA's current OCF Margin % of 76.83% is 152% above median its 10-year median of 30.54. The Banks industry median OCF Margin % is 29.44. Banco Pichincha CA's value of 76.83% is 161% above this industry median. Based on the distribution chart, Banco Pichincha CA ranks #294 out of 1501 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Pichincha CA has a GF Score™ of 96/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pichincha CA's OCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pichincha CA ranks #294 out of 1501 companies for OCF Margin %. This places Banco Pichincha CA in the top 20% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. Banco Pichincha CA's value of 76.83% is 161% above this benchmark. While the company's 10-year median is 30.54 vs. the industry median of 29.44, Banco Pichincha CA 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. Banco Pichincha CA's current OCF Margin % of 76.83% is 161% 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 Banco Pichincha CA 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. Banco Pichincha CA's current OCF Margin % is 76.83%, which is 152% above median its own 10-year median of 30.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pichincha CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Pichincha CA (QUI:PCD) is currently considered Modestly Overvalued. The stock's GF Value™ is $107.47, compared to a current price of $132.00 — trading 22.8% above its estimated fair value. The current OCF Margin % is 76.83%, which is 152% above median its 10-year median of 30.54 and 161% above the Banks industry median of 29.44. Banco Pichincha CA's overall GF Score™ is 96/100 with 3 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 Banco Pichincha CA (QUI:PCD), the current OCF Margin % is 76.83% as of Dec. 2025. 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 Banco Pichincha CA (QUI:PCD) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pichincha CA stock appears to be overvalued.
The current stock price of $132.00 is trading 22.8% above its estimated GF Value™ of $107.47.
GuruFocus considers Banco Pichincha CA to be Modestly Overvalued.
Key valuation signals for QUI:PCD:
OCF Margin %: 76.83% (152% above median its 10-year median of 30.54)
GF Value™: $107.47 vs. price of $132.00 (22.8% above fair value)
Industry Position: 161% above the Banks median (#294 of 1501)
No single metric tells the full story. See the QUI:PCD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pichincha CA provides banking services in Ecuador. The products and services of the bank include electronic banking, savings account, current account, debit cards, credit cards, and other related services.
96GF Score
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