IDLC Finance (DHA:IDLC) Cyclically Adjusted FCF per Share: BDT11.39 (As of Mar. 2026)


DHA:IDLC IDLC Finance PLC DHA:IDLC
87 GF Score
Price BDT41.90
GF Value BDT45.42
Valuation Fairly Valued
! 5 Warning Signs
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What is IDLC Finance Cyclically Adjusted FCF per Share?

IDLC Finance DHA:IDLC -0.95% 87 Cyclically Adjusted FCF per Share is BDT11.39 as of Mar. 2026. GuruFocus rates DHA:IDLC with a GF Score™ of 87/100 and a GF Value™ of BDT45.42 (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.

IDLC Finance's adjusted free cash flow per share for the three months ended in Mar. 2026 was BDT11.825. 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 BDT11.39 for the trailing ten years ended in Mar. 2026.

During the past 12 months, IDLC Finance's average Cyclically Adjusted FCF Growth Rate was 104.50% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 7.90% 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 IDLC Finance was 7.90% per year. The lowest was 7.90% per year. And the median was 7.90% per year.

As of today (2026-07-09), IDLC Finance's current stock price is BDT41.90. IDLC Finance's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was BDT11.39. IDLC Finance's Cyclically Adjusted Price-to-FCF of today is 3.68.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of IDLC Finance was 10.79. The lowest was 3.20. And the median was 5.90.


IDLC Finance  (DHA:IDLC) 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=41.90/11.39
=3.68

* 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 IDLC Finance was 10.79. The lowest was 3.20. And the median was 5.90.


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.


IDLC Finance Cyclically Adjusted FCF per Share Related Terms


IDLC Finance Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for IDLC 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.

IDLC Finance Cyclically Adjusted FCF per Share Chart

IDLC Finance Annual Data
Trend Dec16 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 0.00 7.15 4.57 5.60 8.98

IDLC 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 5.57 6.66 6.10 8.98 11.39

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

For the Credit Services subindustry, IDLC 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.


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

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

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


DHA:IDLC
87GF Score
IDLC Finance PLC DHA:IDLC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

IDLC 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, IDLC 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)
=11.825/330.2130*330.2130
=11.825

Current CPI (Mar. 2026) = 330.2130.

IDLC Finance Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 2.525 241.018 3.459
201609 -1.270 241.428 -1.737
201612 2.382 241.432 3.258
201703 3.566 243.801 4.830
201706 -0.458 244.955 -0.617
201709 16.115 246.819 21.560
201712 -2.862 246.524 -3.834
201803 -7.406 249.554 -9.800
201806 15.297 251.989 20.046
201809 14.275 252.439 18.673
201812 -13.221 251.233 -17.377
201903 -7.606 254.202 -9.880
201906 10.958 256.143 14.127
201909 1.709 256.759 2.198
201912 -9.218 256.974 -11.845
202003 -0.394 258.115 -0.504
202006 3.790 257.797 4.855
202009 20.893 260.280 26.507
202012 -16.950 260.474 -21.488
202103 2.360 264.877 2.942
202106 4.396 271.696 5.343
202109 -3.226 274.310 -3.883
202112 35.510 278.802 42.058
202203 -22.377 287.504 -25.701
202206 -0.764 296.311 -0.851
202209 -25.387 296.808 -28.244
202212 29.243 296.797 32.535
202303 -6.093 301.836 -6.666
202306 3.799 305.109 4.112
202309 1.493 307.789 1.602
202312 -19.927 306.746 -21.451
202403 -15.951 312.332 -16.864
202406 21.929 314.175 23.048
202409 1.470 315.301 1.540
202412 -0.224 315.605 -0.234
202503 2.218 319.799 2.290
202506 17.035 322.561 17.439
202509 -0.316 324.800 -0.321
202512 30.403 324.054 30.981
202603 11.825 330.213 11.825

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 BDT11.39 mean?
IDLC Finance (DHA:IDLC) has a Cyclically Adjusted FCF per Share of BDT11.39 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 IDLC Finance and its competitors.
Is IDLC Finance's Cyclically Adjusted FCF per Share too high?
IDLC Finance's current Cyclically Adjusted FCF per Share is BDT11.39. Overall, IDLC Finance has a GF Score™ of 87/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's Cyclically Adjusted FCF per Share compare to V and MA?
IDLC Finance's Cyclically Adjusted FCF per Share of BDT11.39 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 IDLC Finance and its competitors. IDLC Finance's current Cyclically Adjusted FCF per Share is BDT11.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT45.42, compared to a current price of BDT41.90 — trading 7.7% below its estimated fair value. The current Cyclically Adjusted FCF per Share is BDT11.39. IDLC Finance's overall GF Score™ is 87/100 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 IDLC Finance (DHA:IDLC), the current Cyclically Adjusted FCF per Share is BDT11.39 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 IDLC Finance (DHA:IDLC) Overvalued in 2026?

Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued. The current stock price of BDT41.90 is trading 7.7% below its estimated GF Value™ of BDT45.42. GuruFocus considers IDLC Finance to be Fairly Valued.

Key valuation signals for DHA:IDLC:

  • Cyclically Adjusted FCF per Share: BDT11.39
  • GF Value™: BDT45.42 vs. price of BDT41.90 (7.7% below fair value)
  • GF Score™: 87/100 with 5 warning signs

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


IDLC Finance Business Description

Address 57 Gulshan Avenue, Bay\'s Galleria, 1st Floor, Gulshan 1, Dhaka, BGD, 1212
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
87GF Score

Get the complete analysis for DHA:IDLC

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

BDT41.90
Price
BDT45.42
GF Value