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CAL BankXGHA:CAL 4 OCF Margin % is -19.38% as of Jun. 2026. GuruFocus rates XGHA:CAL with a GF Score™ of 4/100. The stock has 5 warning signs investors should review. Among 1,495 Banks companies, CAL Bank ranks better than 94.85% on this metric.
The historical data trend for CAL 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, CAL 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.
CAL Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CAL Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where CAL 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.
CAL Bank (XGHA:CAL) has a OCF Margin % of -19.38% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on CAL Bank and its competitors. According to the industry distribution chart, CAL Bank ranks #77 out of 1495 companies in the Banks industry, placing it in the top 5.2%.
Is CAL Bank's OCF Margin % too high?
CAL Bank's current OCF Margin % is -19.38%. Based on the distribution chart, CAL Bank ranks #77 out of 1495 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, CAL Bank has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does CAL Bank's OCF Margin % compare to PNC?
According to the Banks industry distribution chart, CAL Bank ranks #77 out of 1495 companies for OCF Margin %. This places CAL Bank in the top 5% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 30.39. 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 30.39, based on 1,495 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. 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 CAL Bank and its competitors. For the Banks industry, the median OCF Margin % is 30.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CAL Bank's current OCF Margin % is -19.38%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current OCF Margin % of -19.38%. The current OCF Margin % is -19.38%. CAL Bank's overall GF Score™ is 4/100 with 5 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 CAL Bank (XGHA:CAL), the current OCF Margin % is -19.38% as of Jun. 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.
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.
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