IFIC Bank (DHA:IFIC) Cyclically Adjusted FCF per Share: BDT2.87 (As of Mar. 2026)


DHA:IFIC IFIC Bank PLC DHA:IFIC
39 GF Score
Price BDT4.90
GF Value BDT3.05
Valuation Significantly Overvalued
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What is IFIC Bank Cyclically Adjusted FCF per Share?

IFIC Bank DHA:IFIC 39 Cyclically Adjusted FCF per Share is BDT2.87 as of Mar. 2026. GuruFocus rates DHA:IFIC with a GF Score™ of 39/100 and a GF Value™ of BDT3.05 (Significantly Overvalued).

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.

IFIC Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was BDT-2.865. 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 BDT2.87 for the trailing ten years ended in Mar. 2026.

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.

As of today (2026-07-08), IFIC Bank's current stock price is BDT4.90. IFIC Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was BDT2.87. IFIC Bank's Cyclically Adjusted Price-to-FCF of today is 1.71.

During the past 11 years, the highest Cyclically Adjusted Price-to-FCF of IFIC Bank was 1.95. The lowest was 1.20. And the median was 1.60.


IFIC Bank  (DHA:IFIC) 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.

IFIC Bank's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=4.90/2.87
=1.71

* 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 11 years, the highest Cyclically Adjusted Price-to-FCF of IFIC Bank was 1.95. The lowest was 1.20. And the median was 1.60.


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.


IFIC Bank Cyclically Adjusted FCF per Share Related Terms


IFIC Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for IFIC Bank'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.

IFIC Bank Cyclically Adjusted FCF per Share Chart

IFIC Bank 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 0.00 0.00 0.00 3.37

IFIC Bank 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 0.00 0.00 3.26 3.37 2.87

IFIC Bank Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, IFIC Bank'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.


IFIC Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, IFIC Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

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


DHA:IFIC
39GF Score
IFIC Bank PLC DHA:IFIC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

IFIC Bank 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, IFIC Bank'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)
=-2.865/330.2130*330.2130
=-2.865

Current CPI (Mar. 2026) = 330.2130.

IFIC Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.709 241.018 -0.971
201609 1.700 241.428 2.325
201612 -3.149 241.432 -4.307
201703 -1.852 243.801 -2.508
201706 8.580 244.955 11.566
201709 -0.680 246.819 -0.910
201712 -0.882 246.524 -1.181
201803 2.108 249.554 2.789
201806 -2.023 251.989 -2.651
201809 1.445 252.439 1.890
201812 -1.555 251.233 -2.044
201903 -2.321 254.202 -3.015
201906 4.888 256.143 6.301
201909 -1.575 256.759 -2.026
201912 5.907 256.974 7.591
202003 0.521 258.115 0.667
202006 -4.213 257.797 -5.396
202009 5.762 260.280 7.310
202012 1.918 260.474 2.432
202103 -5.071 264.877 -6.322
202106 9.126 271.696 11.092
202109 -3.276 274.310 -3.944
202112 2.210 278.802 2.618
202203 0.582 287.504 0.668
202206 -2.588 296.311 -2.884
202209 1.302 296.808 1.449
202212 0.934 296.797 1.039
202303 -2.977 301.836 -3.257
202306 2.305 305.109 2.495
202309 3.194 307.789 3.427
202312 0.084 306.746 0.090
202403 2.926 312.332 3.094
202406 1.626 314.175 1.709
202409 -8.304 315.301 -8.697
202412 5.881 315.605 6.153
202503 -0.132 319.799 -0.136
202506 5.034 322.561 5.153
202509 -2.134 324.800 -2.170
202512 2.081 324.054 2.121
202603 -2.865 330.213 -2.865

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 BDT2.87 mean?
IFIC Bank (DHA:IFIC) has a Cyclically Adjusted FCF per Share of BDT2.87 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 IFIC Bank and its competitors.
Is IFIC Bank's Cyclically Adjusted FCF per Share too high?
IFIC Bank's current Cyclically Adjusted FCF per Share is BDT2.87. Overall, IFIC Bank has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IFIC Bank's Cyclically Adjusted FCF per Share compare to competitors?
IFIC Bank's Cyclically Adjusted FCF per Share of BDT2.87 can be compared against companies in the Banks 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 Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks 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 IFIC Bank and its competitors. IFIC Bank's current Cyclically Adjusted FCF per Share is BDT2.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFIC Bank stock overvalued right now?
Based on GuruFocus' analysis, IFIC Bank (DHA:IFIC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT3.05, compared to a current price of BDT4.90 — trading 60.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is BDT2.87. IFIC Bank's overall GF Score™ is 39/100. 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 IFIC Bank (DHA:IFIC), the current Cyclically Adjusted FCF per Share is BDT2.87 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 IFIC Bank (DHA:IFIC) Overvalued in 2026?

Based on GuruFocus' analysis, IFIC Bank stock appears to be overvalued. The current stock price of BDT4.90 is trading 60.7% above its estimated GF Value™ of BDT3.05. GuruFocus considers IFIC Bank to be Significantly Overvalued.

Key valuation signals for DHA:IFIC:

  • Cyclically Adjusted FCF per Share: BDT2.87
  • GF Value™: BDT3.05 vs. price of BDT4.90 (60.7% above fair value)
  • GF Score™: 39/100

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


IFIC Bank Business Description

Address 61 Purana Paltan, GPO Box : 2229, IFIC Tower, Dhaka, BGD, 1000
IFIC Bank PLC is a commercial banking company in Bangladesh. The company provides corporate banking, retail banking internet banking, and SME banking. The company is also engaged in Treasury and capital market offering Cash Management, Liquidity Planning, Liquidity Protection, Trading of Foreign Exchange and Money Market Instruments, and Risk Management. Its segments are Corporate; SME; Short term Agri credit; Consumer and Others. It derives interest income from the Conventional banking unit and Off-Shore banking unit.
39GF Score

Get the complete analysis for DHA:IFIC

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

BDT4.90
Price
BDT3.05
GF Value