Eurobank (HAM:1X8) Cyclically Adjusted FCF per Share: €-0.07 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

HAM:1X8 Eurobank SA HAM:1X8
64 GF Score
Price €4.33
GF Value €2.55
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is Eurobank Cyclically Adjusted FCF per Share?

Eurobank HAM:1X8 +1.55% 64 Cyclically Adjusted FCF per Share is €-0.07 as of Mar. 2026. GuruFocus rates HAM:1X8 with a GF Score™ of 64/100 and a GF Value™ of €2.55 (Significantly Overvalued). The stock has 7 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.

Eurobank's adjusted free cash flow per share for the three months ended in Mar. 2026 was €-0.099. 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 €-0.07 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 91.80% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 83.30% 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 Eurobank was 91.90% per year. The lowest was 69.50% per year. And the median was 91.80% per year.

As of today (2026-07-31), Eurobank's current stock price is €4.326. Eurobank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €-0.07. Eurobank's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Eurobank was 3.53. The lowest was 0.01. And the median was 2.64.


Eurobank  (HAM:1X8) 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 Eurobank was 3.53. The lowest was 0.01. And the median was 2.64.


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.


Eurobank Cyclically Adjusted FCF per Share Related Terms


Eurobank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Eurobank'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.

Eurobank Cyclically Adjusted FCF per Share Chart

Eurobank 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 -0.13

Eurobank 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 0.00 -0.13 -0.07

HAM:1X8 vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Eurobank'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.


Eurobank Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


HAM:1X8
64GF Score
Eurobank SA HAM:1X8
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Eurobank 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, Eurobank'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)
=-0.099/124.8200*124.8200
=-0.099

Current CPI (Mar. 2026) = 124.8200.

Eurobank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.297 100.121 -0.370
201609 -1.033 99.878 -1.291
201612 -0.409 100.110 -0.510
201703 -0.044 100.770 -0.055
201706 -0.726 101.138 -0.896
201709 -0.902 100.882 -1.116
201712 -0.647 100.762 -0.801
201803 -0.237 100.534 -0.294
201806 -0.468 102.121 -0.572
201809 0.467 101.982 0.572
201812 -0.281 101.330 -0.346
201903 -0.196 101.482 -0.241
201906 0.017 101.837 0.021
201909 0.088 101.906 0.108
201912 0.420 102.120 0.513
202003 0.115 101.479 0.141
202006 0.386 100.239 0.481
202009 0.215 99.886 0.269
202012 0.149 99.751 0.186
202103 0.507 99.817 0.634
202106 0.498 101.270 0.614
202109 0.392 102.095 0.479
202112 0.782 104.853 0.931
202203 0.225 108.651 0.258
202206 0.434 113.517 0.477
202209 0.420 114.371 0.458
202212 -0.346 112.428 -0.384
202303 -0.032 113.620 -0.035
202306 -0.208 115.515 -0.225
202309 -0.211 116.234 -0.227
202312 -0.175 116.364 -0.188
202403 0.061 117.285 0.065
202406 0.002 118.129 0.002
202409 0.310 119.650 0.323
202412 -0.346 119.360 -0.362
202503 -0.234 120.133 -0.243
202506 0.163 121.399 0.168
202509 0.005 121.950 0.005
202512 0.792 122.450 0.807
202603 -0.099 124.820 -0.099

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 €-0.07 mean?
Eurobank (HAM:1X8) has a Cyclically Adjusted FCF per Share of €-0.07 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 Eurobank and its competitors.
Is Eurobank's Cyclically Adjusted FCF per Share too high?
Eurobank's current Cyclically Adjusted FCF per Share is €-0.07. Overall, Eurobank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Eurobank's Cyclically Adjusted FCF per Share compare to PNC and USB?
Eurobank's Cyclically Adjusted FCF per Share of €-0.07 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 Eurobank and its competitors. Eurobank's current Cyclically Adjusted FCF per Share is €-0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eurobank stock overvalued right now?
Based on GuruFocus' analysis, Eurobank (HAM:1X8) is currently considered Significantly Overvalued. The stock's GF Value™ is €2.55, compared to a current price of €4.33 — trading 69.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €-0.07. Eurobank's overall GF Score™ is 64/100 with 7 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 Eurobank (HAM:1X8), the current Cyclically Adjusted FCF per Share is €-0.07 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 Eurobank (HAM:1X8) Overvalued in 2026?

Based on GuruFocus' analysis, Eurobank stock appears to be overvalued. The current stock price of €4.33 is trading 69.6% above its estimated GF Value™ of €2.55. GuruFocus considers Eurobank to be Significantly Overvalued.

Key valuation signals for HAM:1X8:

  • Cyclically Adjusted FCF per Share: €-0.07
  • GF Value™: €2.55 vs. price of €4.33 (69.6% above fair value)
  • GF Score™: 64/100 with 7 warning signs

No single metric tells the full story. See the HAM:1X8 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Eurobank Business Description

Address 8 Othonos Street, Athens, GRC, 105 57
Eurobank SA operates as a universal bank offering a comprehensive suite of financial services. It provides retail, corporate and private banking, asset management, treasury, capital market, and other services in Greece, Bulgaria, Cyprus, and Luxembourg. The company offers current accounts, savings, deposits and investment savings products, credit and debit cards, consumer loans, small business banking, and mortgages, overdrafts, loans and other credit facilities, and Others services. It also provides custody and clearing services, cash management and trade service, and investment banking services. The operating segments of the company are: Retail, Corporate, Markets, Investment Property, RSS, and International. Geographically, the Group is active in Greece, Cyprus, Bulgaria and Luxembourg.
64GF Score

Get the complete analysis for HAM:1X8

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

€4.33
Price
€2.55
GF Value