DBH Finance (DHA:DBH) Cyclically Adjusted FCF per Share: BDT8.33 (As of Mar. 2026)


DHA:DBH DBH Finance PLC DHA:DBH
68 GF Score
Price BDT41.10
GF Value BDT41.94
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is DBH Finance Cyclically Adjusted FCF per Share?

DBH Finance DHA:DBH +1.23% 68 Cyclically Adjusted FCF per Share is BDT8.33 as of Mar. 2026. GuruFocus rates DHA:DBH with a GF Score™ of 68/100 and a GF Value™ of BDT41.94 (Fairly Valued). 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.

DBH Finance's adjusted free cash flow per share for the three months ended in Mar. 2026 was BDT-1.597. 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 BDT8.33 for the trailing ten years ended in Mar. 2026.

During the past 12 months, DBH Finance's average Cyclically Adjusted FCF Growth Rate was -10.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 23.60% 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 DBH Finance was 23.60% per year. The lowest was 4.20% per year. And the median was 13.90% per year.

As of today (2026-07-12), DBH Finance's current stock price is BDT41.10. DBH Finance's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was BDT8.33. DBH Finance's Cyclically Adjusted Price-to-FCF of today is 4.93.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of DBH Finance was 17.09. The lowest was 3.26. And the median was 5.32.


DBH Finance  (DHA:DBH) 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.

DBH Finance's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=41.10/8.33
=4.93

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of DBH Finance was 17.09. The lowest was 3.26. And the median was 5.32.


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.


DBH Finance Cyclically Adjusted FCF per Share Related Terms


DBH Finance Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for DBH Finance'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.

DBH Finance Cyclically Adjusted FCF per Share Chart

DBH Finance Annual Data
Trend Jun16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.55 4.20 8.74 7.40 7.93

DBH Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 9.35 10.21 9.90 7.93 8.33

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

For the Credit Services subindustry, DBH Finance'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.


DBH Finance Cyclically Adjusted Price-to-FCF vs Credit Services Industry

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

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


DHA:DBH
68GF Score
DBH Finance PLC DHA:DBH
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

DBH Finance 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, DBH Finance's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-1.597/330.2130*330.2130
=-1.597

Current CPI (Mar. 2026) = 330.2130.

DBH Finance Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -1.579 241.018 -2.163
201609 0.000 241.428 0.000
201612 2.834 241.432 3.876
201703 5.517 243.801 7.472
201706 -5.124 244.955 -6.907
201709 16.856 246.819 22.551
201712 -7.511 246.524 -10.061
201803 2.046 249.554 2.707
201806 5.653 251.989 7.408
201809 6.017 252.439 7.871
201812 -7.255 251.233 -9.536
201903 -0.804 254.202 -1.044
201906 6.733 256.143 8.680
201909 7.613 256.759 9.791
201912 -4.538 256.974 -5.831
202003 -4.292 258.115 -5.491
202006 7.587 257.797 9.718
202009 4.736 260.280 6.008
202012 5.479 260.474 6.946
202103 -2.984 264.877 -3.720
202106 12.954 271.696 15.744
202109 2.462 274.310 2.964
202112 -12.522 278.802 -14.831
202203 -10.862 287.504 -12.476
202206 -8.386 296.311 -9.345
202209 -9.667 296.808 -10.755
202212 9.880 296.797 10.992
202303 7.928 301.836 8.673
202306 18.599 305.109 20.129
202309 15.954 307.789 17.116
202312 -0.169 306.746 -0.182
202403 -1.914 312.332 -2.024
202406 -1.831 314.175 -1.924
202409 -3.836 315.301 -4.017
202412 6.863 315.605 7.181
202503 5.405 319.799 5.581
202506 12.392 322.561 12.686
202509 -0.790 324.800 -0.803
202512 -9.962 324.054 -10.151
202603 -1.597 330.213 -1.597

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 BDT8.33 mean?
DBH Finance (DHA:DBH) has a Cyclically Adjusted FCF per Share of BDT8.33 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on DBH Finance and its competitors.
Is DBH Finance's Cyclically Adjusted FCF per Share too high?
DBH Finance's current Cyclically Adjusted FCF per Share is BDT8.33. Overall, DBH Finance has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does DBH Finance's Cyclically Adjusted FCF per Share compare to V and MA?
DBH Finance's Cyclically Adjusted FCF per Share of BDT8.33 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 DBH Finance and its competitors. DBH Finance's current Cyclically Adjusted FCF per Share is BDT8.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DBH Finance stock overvalued right now?
Based on GuruFocus' analysis, DBH Finance (DHA:DBH) is currently considered Fairly Valued. The stock's GF Value™ is BDT41.94, compared to a current price of BDT41.10 — trading 2% below its estimated fair value. The current Cyclically Adjusted FCF per Share is BDT8.33. DBH Finance's overall GF Score™ is 68/100 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 DBH Finance (DHA:DBH), the current Cyclically Adjusted FCF per Share is BDT8.33 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 DBH Finance (DHA:DBH) Overvalued in 2026?

Based on GuruFocus' analysis, DBH Finance stock appears to be undervalued. The current stock price of BDT41.10 is trading 2% below its estimated GF Value™ of BDT41.94. GuruFocus considers DBH Finance to be Fairly Valued.

Key valuation signals for DHA:DBH:

  • Cyclically Adjusted FCF per Share: BDT8.33
  • GF Value™: BDT41.94 vs. price of BDT41.10 (2% below fair value)
  • GF Score™: 68/100 with 5 warning signs

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


DBH Finance Business Description

Address 12-14 Gulshan C/A, Landmark Building, (9th floor, Gulshan-2, Dhaka, BGD, 1212
DBH Finance PLC is engaged in providing loans for construction of houses, purchases of flats or houses, extensions and improvements of existing houses or flats and purchase of housing plots. It has also various investment and financing products like term deposit scheme, cumulative deposit, triple money deposit, double money deposit, annual income deposit, quarterly income deposit, monthly income deposit, easy way deposit etc. for its individual and corporate clients. Its segments consist of Conventional Products & Services that offers a diverse array of conventional financial solutions developed to meet both housing and personal financial needs; and Islamic Products and services. The majority of revenue is derived from Conventional Products & Services segment.
68GF Score

Get the complete analysis for DHA:DBH

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

BDT41.10
Price
BDT41.94
GF Value