AIFLY (Muninova Holdings) Cyclically Adjusted FCF per Share: $-0.32 (As of Dec. 2025)

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AIFLY Muninova Holdings Inc AIFLY
65 GF Score
Price $1.40
GF Value $1.64
! 5 Warning Signs
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What is Muninova Holdings Cyclically Adjusted FCF per Share?

Muninova Holdings AIFLY 65 Cyclically Adjusted FCF per Share is $-0.32 as of Dec. 2025. GuruFocus rates AIFLY with a GF Score™ of 65/100 and a GF Value™ of $1.64. The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Muninova Holdings's adjusted free cash flow per share for the three months ended in Dec. 2025 was $-0.105. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $-0.32 for the trailing ten years ended in Dec. 2025.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -49.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Muninova Holdings was -49.90% per year. The lowest was -79.80% per year. And the median was -64.85% per year.

As of today (2026-08-04), Muninova Holdings's current stock price is $1.40. Muninova Holdings's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2025 was $-0.32. Muninova Holdings's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Muninova Holdings was 31.43. The lowest was 2.50. And the median was 3.56.


Muninova Holdings  (OTCPK:AIFLY) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Muninova Holdings was 31.43. The lowest was 2.50. And the median was 3.56.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Muninova Holdings Cyclically Adjusted FCF per Share Related Terms


Muninova Holdings Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Muninova Holdings's Cyclically Adjusted FCF per Share 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.

Muninova Holdings Cyclically Adjusted FCF per Share Chart

Muninova Holdings Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.07 -0.14 -0.21 -0.21 -0.32

Muninova Holdings Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.32 -0.32 -0.33 -0.41 -0.32

AIFLY vs V, MA, AXP: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, Muninova Holdings's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-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.


Muninova Holdings Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Muninova Holdings's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Muninova Holdings's Cyclically Adjusted Price-to-FCF falls into.


AIFLY
65GF Score
Muninova Holdings Inc AIFLY
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Muninova Holdings Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Muninova Holdings's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2025 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=-0.105/113.0000*113.0000
=-0.105

Current CPI (Dec. 2025) = 113.0000.

Muninova Holdings Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201603 -0.150 97.900 -0.173
201606 -0.162 98.100 -0.187
201609 -0.065 98.000 -0.075
201612 -0.151 98.400 -0.173
201703 -0.124 98.100 -0.143
201706 -0.189 98.500 -0.217
201709 -0.135 98.800 -0.154
201712 -0.171 99.400 -0.194
201803 -0.185 99.200 -0.211
201806 -0.196 99.200 -0.223
201809 -0.069 99.900 -0.078
201812 -0.093 99.700 -0.105
201903 -0.042 99.700 -0.048
201906 -0.100 99.800 -0.113
201909 -0.188 100.100 -0.212
201912 -0.113 100.500 -0.127
202003 -0.109 100.300 -0.123
202006 0.122 99.900 0.138
202009 0.134 99.900 0.152
202012 -0.102 99.300 -0.116
202103 -0.004 99.900 -0.005
202106 0.002 99.500 0.002
202109 -0.028 100.100 -0.032
202112 -0.073 100.100 -0.082
202203 -0.072 101.100 -0.080
202206 -0.144 101.800 -0.160
202209 -0.119 103.100 -0.130
202212 -0.107 104.100 -0.116
202303 -0.201 104.400 -0.218
202306 -0.195 105.200 -0.209
202309 -0.076 106.200 -0.081
202312 -0.184 106.800 -0.195
202403 -0.146 107.200 -0.154
202406 -0.268 108.200 -0.280
202409 -0.108 108.900 -0.112
202412 -0.094 110.700 -0.096
202503 -0.269 111.100 -0.274
202506 -0.193 111.700 -0.195
202509 -0.088 112.000 -0.089
202512 -0.105 113.000 -0.105

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $-0.32 mean?
Muninova Holdings (AIFLY) has a Cyclically Adjusted FCF per Share of $-0.32 as of Dec. 2025. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Muninova Holdings and its competitors.
Is Muninova Holdings' Cyclically Adjusted FCF per Share too high?
Muninova Holdings' current Cyclically Adjusted FCF per Share is $-0.32. Overall, Muninova Holdings has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Muninova Holdings' Cyclically Adjusted FCF per Share compare to V and MA?
Muninova Holdings' Cyclically Adjusted FCF per Share of $-0.32 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Muninova Holdings and its competitors. Muninova Holdings's current Cyclically Adjusted FCF per Share is $-0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muninova Holdings stock overvalued right now?
Muninova Holdings (AIFLY) has a current Cyclically Adjusted FCF per Share of $-0.32. The stock's GF Value™ is $1.64, compared to a current price of $1.40 — trading 14.6% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $-0.32. Muninova Holdings' overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Muninova Holdings (AIFLY), the current Cyclically Adjusted FCF per Share is $-0.32 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 Muninova Holdings (AIFLY) Overvalued in 2026?

Based on GuruFocus' analysis, Muninova Holdings stock appears to be undervalued. The current stock price of $1.40 is trading 14.6% below its estimated GF Value™ of $1.64.

Key valuation signals for AIFLY:

  • Cyclically Adjusted FCF per Share: $-0.32
  • GF Value™: $1.64 vs. price of $1.40 (14.6% below fair value)
  • GF Score™: 65/100 with 5 warning signs

No single metric tells the full story. See the AIFLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Muninova Holdings Business Description

Other Exchanges 547A:Japan
Address 381-1, Takasago-cho Gojo-Agaru, Karasuma-Dori, Shimogyo-ku, Kyoto, JPN, 600-8420
Muninova Holdings Inc is focused on the management and administration of group companies engaged in consumer finance, credit card, and related businesses.
65GF Score

Get the complete analysis for AIFLY

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.40
Price
$1.64
GF Value