Banco HipotecarioBUE:BHIP -4.57%51 EV-to-FCF is 4.99 as of Jun. 24, 2026, which is 509% above its 10-year median of 0.82. GuruFocus rates BUE:BHIP with a GF Score™ of 51/100 and a GF Value™ of ARS283.07 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,191 Banks companies, Banco Hipotecario ranks better than 54.58% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Banco Hipotecario's Enterprise Value is ARS312,285 Mil.
Banco Hipotecario's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ARS62,613 Mil. Therefore, Banco Hipotecario's EV-to-FCF for today is 4.99.
The historical rank and industry rank for Banco Hipotecario's EV-to-FCF or its related term are showing as below:
BUE:BHIP'
s EV-to-FCF Range Over the Past 10 Years
Min: -337.1 Med: 0.82 Max: 51.07
Current: 5.36
During the past 13 years, the highest EV-to-FCF of Banco Hipotecario was 51.07. The lowest was -337.10. And the median was 0.82.
BUE:BHIP's EV-to-FCF is ranked better than 54.58% of 1191
companies
in the Banks industry
Industry Median: 6.56
vs BUE:BHIP: 5.36
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Banco Hipotecario's PE Ratio (TTM) for today is calculated as:
Banco Hipotecario's share price for today is ARS376.00.
Banco Hipotecario's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ARS17.087.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Banco Hipotecario EV-to-FCF Related Terms
Banco Hipotecario EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Banco Hipotecario's EV-to-FCF 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 Hipotecario's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 Hipotecario EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Banco Hipotecario's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Banco Hipotecario's EV-to-FCF falls into.
Banco Hipotecario's current Enterprise Value is ARS312,285 Mil.
Banco Hipotecario's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ARS62,613 Mil.
* 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 Hipotecario (BUE:BHIP) has a EV-to-FCF of 4.99 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Banco Hipotecario and its competitors. This is 509% above median its historical median of 0.82. According to the industry distribution chart, Banco Hipotecario ranks #541 out of 1191 companies in the Banks industry, placing it in the top 45.4%.
Is Banco Hipotecario's EV-to-FCF too high?
Banco Hipotecario's current EV-to-FCF of 4.99 is 509% above median its 10-year median of 0.82. The Banks industry median EV-to-FCF is 6.56. Banco Hipotecario's value of 4.99 is 23.9% below this industry median. Based on the distribution chart, Banco Hipotecario ranks #541 out of 1191 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Hipotecario has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Hipotecario's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Banco Hipotecario ranks #541 out of 1191 companies for EV-to-FCF. This puts Banco Hipotecario in the upper half of its industry. The industry median EV-to-FCF is 6.56. Banco Hipotecario's value of 4.99 is 23.9% below this benchmark. While the company's 10-year median is 0.82 vs. the industry median of 6.56, Banco Hipotecario has consistently been below 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Hipotecario's current EV-to-FCF of 4.99 is 23.9% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Banco Hipotecario and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Hipotecario's current EV-to-FCF is 4.99, which is 509% above median its own 10-year median of 0.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Hipotecario stock overvalued right now?
Based on GuruFocus' analysis, Banco Hipotecario (BUE:BHIP) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS283.07, compared to a current price of ARS376.00 — trading 32.8% above its estimated fair value. The current EV-to-FCF is 4.99, which is 509% above median its 10-year median of 0.82 and 23.9% below the Banks industry median of 6.56. Banco Hipotecario's overall GF Score™ is 51/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Banco Hipotecario (BUE:BHIP), the current EV-to-FCF is 4.99 as of Jun. 24, 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 Banco Hipotecario (BUE:BHIP) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Hipotecario stock appears to be overvalued.
The current stock price of ARS376.00 is trading 32.8% above its estimated GF Value™ of ARS283.07.
GuruFocus considers Banco Hipotecario to be Significantly Overvalued.
Key valuation signals for BUE:BHIP:
EV-to-FCF: 4.99 (509% above median its 10-year median of 0.82)
GF Value™: ARS283.07 vs. price of ARS376.00 (32.8% above fair value)
Industry Position: 23.9% below the Banks median (#541 of 1191)
No single metric tells the full story. See the BUE:BHIP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Hipotecario SA acts as a banking corporation based in Argentina. The company's operating segment includes Finance, Wholesale Banking, Retail Banking, and Others. Retail Banking segment includes loans granted and other credit products, such as deposit taking from individuals. The Wholesale Banking segment encompasses corporate and financial advice, as well as asset management and loans to large customers. It generates maximum revenue from the Retail banking segment. Some of its product include mortgage credits, personal loans, insurance, cash management, and others. Geographically, it operates only in Argentina.
51GF Score
Get the complete analysis for BUE:BHIP
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BUE:BHIP has been successfully added to your 
