OTP Bank (LUX:OTPBK) Cyclically Adjusted FCF per Share: $3.39 (As of Mar. 2026)

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LUX:OTPBK OTP Bank PLC LUX:OTPBK
60 GF Score
Price $25.20
GF Value $16.30
! 5 Warning Signs
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What is OTP Bank Cyclically Adjusted FCF per Share?

OTP Bank LUX:OTPBK 60 Cyclically Adjusted FCF per Share is $3.39 as of Mar. 2026. GuruFocus rates LUX:OTPBK with a GF Score™ of 60/100 and a GF Value™ of $16.30. 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.

OTP Bank's adjusted free cash flow per share for the three months ended in Mar. 2026 was $18.646. 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 $3.39 for the trailing ten years ended in Mar. 2026.

During the past 12 months, OTP Bank'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 -3.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 6.60% 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 OTP Bank was 16.60% per year. The lowest was -3.00% per year. And the median was 6.60% per year.

As of today (2026-07-19), OTP Bank's current stock price is $25.20. OTP Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $3.39. OTP Bank's Cyclically Adjusted Price-to-FCF of today is 7.43.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of OTP Bank was 11.16. The lowest was 1.96. And the median was 4.62.


OTP Bank  (LUX:OTPBK) 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=25.20/3.39
=7.43

* 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 OTP Bank was 11.16. The lowest was 1.96. And the median was 4.62.


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.


OTP Bank Cyclically Adjusted FCF per Share Related Terms


OTP Bank Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for OTP 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.

OTP Bank Cyclically Adjusted FCF per Share Chart

OTP 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 4.79 5.32 6.01 4.36 2.61

OTP 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 4.33 4.20 3.92 2.61 3.39

LUX:OTPBK vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, OTP 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.


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

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

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


LUX:OTPBK
60GF Score
OTP Bank PLC LUX:OTPBK
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

OTP 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, OTP 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)
=18.646/174.6900*174.6900
=18.646

Current CPI (Mar. 2026) = 174.6900.

OTP Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.536 100.814 -0.929
201609 0.894 100.370 1.556
201612 1.690 101.406 2.911
201703 -0.855 102.147 -1.462
201706 1.353 102.724 2.301
201709 0.979 102.902 1.662
201712 1.342 103.627 2.262
201803 0.835 104.219 1.400
201806 -0.667 105.922 -1.100
201809 1.623 106.588 2.660
201812 -0.669 106.440 -1.098
201903 1.166 108.068 1.885
201906 1.107 109.475 1.766
201909 1.924 109.623 3.066
201912 0.164 110.659 0.259
202003 0.413 112.287 0.643
202006 2.717 112.583 4.216
202009 1.211 113.398 1.866
202012 1.618 113.694 2.486
202103 2.575 116.358 3.866
202106 -1.324 118.579 -1.951
202109 3.985 119.541 5.823
202112 3.500 122.058 5.009
202203 1.889 126.351 2.612
202206 1.444 132.420 1.905
202209 5.899 143.597 7.176
202212 -2.524 152.036 -2.900
202303 10.620 158.105 11.734
202306 -14.626 158.993 -16.070
202309 1.901 161.140 2.061
202312 4.748 160.400 5.171
202403 3.652 163.879 3.893
202406 2.964 164.841 3.141
202409 -0.393 165.877 -0.414
202412 -1.791 167.802 -1.865
202503 7.611 171.577 7.749
202506 2.521 172.391 2.555
202509 1.755 173.060 1.772
202512 -11.024 173.280 -11.114
202603 18.646 174.690 18.646

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 $3.39 mean?
OTP Bank (LUX:OTPBK) has a Cyclically Adjusted FCF per Share of $3.39 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 OTP Bank and its competitors.
Is OTP Bank's Cyclically Adjusted FCF per Share too high?
OTP Bank's current Cyclically Adjusted FCF per Share is $3.39. Overall, OTP Bank has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does OTP Bank's Cyclically Adjusted FCF per Share compare to PNC and USB?
OTP Bank's Cyclically Adjusted FCF per Share of $3.39 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 OTP Bank and its competitors. OTP Bank's current Cyclically Adjusted FCF per Share is $3.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OTP Bank stock overvalued right now?
OTP Bank (LUX:OTPBK) has a current Cyclically Adjusted FCF per Share of $3.39. The stock's GF Value™ is $16.30, compared to a current price of $25.20 — trading 54.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $3.39. OTP Bank's overall GF Score™ is 60/100 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 OTP Bank (LUX:OTPBK), the current Cyclically Adjusted FCF per Share is $3.39 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 OTP Bank (LUX:OTPBK) Overvalued in 2026?

Based on GuruFocus' analysis, OTP Bank stock appears to be overvalued. The current stock price of $25.20 is trading 54.6% above its estimated GF Value™ of $16.30.

Key valuation signals for LUX:OTPBK:

  • Cyclically Adjusted FCF per Share: $3.39
  • GF Value™: $16.30 vs. price of $25.20 (54.6% above fair value)
  • GF Score™: 60/100 with 5 warning signs

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


OTP Bank Business Description

Address 16, Nador Street, Budapest, HUN, 1051
OTP Bank PLC provides universal financial services through several subsidiaries. It performs banking operations via its bank in Hungary. The Group's operating segments are as follows: OTP Core Hungary, Russia, Ukraine, Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Uzbekistan, Merkantil Group, Asset Management subsidiaries, other subsidiaries, and Corporate Centre. The Bank provides comprehensive banking & other financial services to both retail & corporate customers: its activities include deposit collection from customers, raising money from the money & capital markets. It also offers mortgage loans, consumer credits, working capital & investment loans to companies and municipalities. A majority of the bank's net revenue is net interest income.
60GF Score

Get the complete analysis for LUX:OTPBK

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

$25.20
Price
$16.30
GF Value