Finbond Group (JSE:FGL) Cyclically Adjusted FCF per Share: R-0.14 (As of Feb. 2026)


JSE:FGL Finbond Group Ltd JSE:FGL
32 GF Score
Price R0.89
GF Value R0.93
Valuation Fairly Valued
! 7 Warning Signs
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What is Finbond Group Cyclically Adjusted FCF per Share?

Finbond Group JSE:FGL +4.71% 32 Cyclically Adjusted FCF per Share is R-0.14 as of Feb. 2026. GuruFocus rates JSE:FGL with a GF Score™ of 32/100 and a GF Value™ of R0.93 (Fairly Valued). 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.

Finbond Group's adjusted free cash flow per share data for the fiscal year that ended in Feb. 2026 was R-0.608. 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 R-0.14 for the trailing ten years ended in Feb. 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.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Finbond Group was 37.90% per year. The lowest was -20.60% per year. And the median was 11.20% per year.

As of today (2026-07-10), Finbond Group's current stock price is R 0.89. Finbond Group's Cyclically Adjusted FCF per Share for the fiscal year that ended in Feb. 2026 was R-0.14. Finbond Group's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Finbond Group was 76.25. The lowest was 1.43. And the median was 12.89.


Finbond Group  (JSE:FGL) 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 Finbond Group was 76.25. The lowest was 1.43. And the median was 12.89.


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.


Finbond Group Cyclically Adjusted FCF per Share Related Terms


Finbond Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Finbond Group'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.

Finbond Group Cyclically Adjusted FCF per Share Chart

Finbond Group Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.15 0.09 -0.04 -0.12 -0.14

Finbond Group Semi-Annual Data
Aug16 Feb17 Aug17 Feb18 Aug18 Feb19 Aug19 Feb20 Aug20 Feb21 Aug21 Feb22 Aug22 Feb23 Aug23 Feb24 Aug24 Feb25 Aug25 Feb26
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 -0.04 0.00 -0.12 0.00 -0.14

JSE:FGL vs RKT, FNMA, PFSI: Cyclically Adjusted FCF per Share Comparison

For the Mortgage Finance subindustry, Finbond Group'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.


Finbond Group Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


JSE:FGL
32GF Score
Finbond Group Ltd JSE:FGL
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Finbond Group 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, Finbond Group's adjusted Free Cash Flow per Share data for the fiscal year that ended in Feb. 2026 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share /CPI of Feb. 2026 (Change)*Current CPI (Feb. 2026)
=-0.608/163.8300*163.8300
=-0.608

Current CPI (Feb. 2026) = 163.8300.

Finbond Group Annual Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201702 0.211 110.855 0.312
201802 -0.096 115.106 -0.137
201902 0.181 119.793 0.248
202002 0.464 125.243 0.607
202102 0.228 128.817 0.290
202202 -0.753 136.109 -0.906
202302 -0.269 146.101 -0.302
202402 -0.246 154.225 -0.261
202502 -0.589 159.099 -0.607
202602 -0.608 163.830 -0.608

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 R-0.14 mean?
Finbond Group (JSE:FGL) has a Cyclically Adjusted FCF per Share of R-0.14 as of Feb. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Finbond Group and its competitors.
Is Finbond Group's Cyclically Adjusted FCF per Share too high?
Finbond Group's current Cyclically Adjusted FCF per Share is R-0.14. Overall, Finbond Group has a GF Score™ of 32/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's Cyclically Adjusted FCF per Share compare to RKT and FNMA?
Finbond Group's Cyclically Adjusted FCF per Share of R-0.14 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 Finbond Group and its competitors. Finbond Group's current Cyclically Adjusted FCF per Share is R-0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.93, compared to a current price of R0.89 — trading 4.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is R-0.14. Finbond Group's overall GF Score™ is 32/100 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 Finbond Group (JSE:FGL), the current Cyclically Adjusted FCF per Share is R-0.14 as of Feb. 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 Finbond Group (JSE:FGL) Overvalued in 2026?

Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued. The current stock price of R0.89 is trading 4.3% below its estimated GF Value™ of R0.93. GuruFocus considers Finbond Group to be Fairly Valued.

Key valuation signals for JSE:FGL:

  • Cyclically Adjusted FCF per Share: R-0.14
  • GF Value™: R0.93 vs. price of R0.89 (4.3% below fair value)
  • GF Score™: 32/100 with 7 warning signs

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


Finbond Group Business Description

Address 446 Rigel Avenue South, Rigel Park, Erasmusrand, Pretoria, GT, ZAF, 0181
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
32GF Score

Get the complete analysis for JSE:FGL

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

R0.89
Price
R0.93
GF Value