Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Cyclically Adjusted FCF per Share: MXN1.30 (As of Mar. 2026)


MEX:FINDEP Financiera Independencia SAB de CV Sofom E N R MEX:FINDEP
56 GF Score
Price MXN7.40
GF Value MXN8.17
Valuation Fairly Valued
! 5 Warning Signs
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What is Financiera IndependenciaB de CV Sofom E N R Cyclically Adjusted FCF per Share?

Financiera IndependenciaB de CV Sofom E N R MEX:FINDEP 56 Cyclically Adjusted FCF per Share is MXN1.30 as of Mar. 2026. GuruFocus rates MEX:FINDEP with a GF Score™ of 56/100 and a GF Value™ of MXN8.17 (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.

Financiera IndependenciaB de CV Sofom E N R's adjusted free cash flow per share for the three months ended in Mar. 2026 was MXN-0.001. 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 MXN1.30 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Financiera IndependenciaB de CV Sofom E N R's average Cyclically Adjusted FCF Growth Rate was 25.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 37.60% 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 Financiera IndependenciaB de CV Sofom E N R was 109.50% per year. The lowest was 37.60% per year. And the median was 73.55% per year.

As of today (2026-07-04), Financiera IndependenciaB de CV Sofom E N R's current stock price is MXN7.40. Financiera IndependenciaB de CV Sofom E N R's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was MXN1.30. Financiera IndependenciaB de CV Sofom E N R's Cyclically Adjusted Price-to-FCF of today is 5.69.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Financiera IndependenciaB de CV Sofom E N R was 147.00. The lowest was 5.69. And the median was 16.67.


Financiera IndependenciaB de CV Sofom E N R  (MEX:FINDEP) 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.

Financiera IndependenciaB de CV Sofom E N R's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=7.40/1.30
=5.69

* 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 Financiera IndependenciaB de CV Sofom E N R was 147.00. The lowest was 5.69. And the median was 16.67.


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.


Financiera IndependenciaB de CV Sofom E N R Cyclically Adjusted FCF per Share Related Terms


Financiera IndependenciaB de CV Sofom E N R Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Financiera IndependenciaB de CV Sofom E N R'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.

Financiera IndependenciaB de CV Sofom E N R Cyclically Adjusted FCF per Share Chart

Financiera IndependenciaB de CV Sofom E N R 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 0.48 0.46 0.00 1.25

Financiera IndependenciaB de CV Sofom E N R 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 1.04 1.14 1.17 1.25 1.30

MEX:FINDEP vs V, MA, AXP: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, Financiera IndependenciaB de CV Sofom E N R'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.


Financiera IndependenciaB de CV Sofom E N R Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Financiera IndependenciaB de CV Sofom E N R's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Financiera IndependenciaB de CV Sofom E N R's Cyclically Adjusted Price-to-FCF falls into.


MEX:FINDEP
56GF Score
Financiera Independencia SAB de CV Sofom E N R MEX:FINDEP
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Financiera IndependenciaB de CV Sofom E N R 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, Financiera IndependenciaB de CV Sofom E N R'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)
=-0.001/166.0400*166.0400
=-0.001

Current CPI (Mar. 2026) = 166.0400.

Financiera IndependenciaB de CV Sofom E N R Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.038 101.905 -0.062
201609 -0.143 103.084 -0.230
201612 0.084 105.002 0.133
201703 -0.361 108.063 -0.555
201706 0.137 108.339 0.210
201709 0.522 109.628 0.791
201712 -0.404 112.114 -0.598
201803 0.150 113.505 0.219
201806 -0.514 113.373 -0.753
201809 -0.024 115.130 -0.035
201812 0.384 117.530 0.542
201903 -0.247 118.050 -0.347
201906 -0.167 117.848 -0.235
201909 0.155 118.581 0.217
201912 0.451 120.854 0.620
202003 1.005 121.885 1.369
202006 -1.300 121.777 -1.773
202009 0.995 123.341 1.339
202012 0.566 124.661 0.754
202103 0.000 127.574 0.000
202106 0.000 128.936 0.000
202109 0.000 130.742 0.000
202112 0.000 133.830 0.000
202203 1.742 137.082 2.110
202206 -0.985 139.233 -1.175
202209 0.830 142.116 0.970
202212 0.651 144.291 0.749
202303 0.288 146.472 0.326
202306 -1.248 146.272 -1.417
202309 1.969 148.446 2.202
202312 -0.721 151.017 -0.793
202403 0.000 152.947 0.000
202406 0.000 153.551 0.000
202409 0.000 155.246 0.000
202412 0.000 157.378 0.000
202503 4.129 158.761 4.318
202506 0.595 160.180 0.617
202509 0.314 161.030 0.324
202512 0.668 163.190 0.680
202603 -0.001 166.040 -0.001

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 MXN1.30 mean?
Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) has a Cyclically Adjusted FCF per Share of MXN1.30 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 Financiera IndependenciaB de CV Sofom E N R and its competitors.
Is Financiera IndependenciaB de CV Sofom E N R's Cyclically Adjusted FCF per Share too high?
Financiera IndependenciaB de CV Sofom E N R's current Cyclically Adjusted FCF per Share is MXN1.30. Overall, Financiera IndependenciaB de CV Sofom E N R has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Financiera IndependenciaB de CV Sofom E N R's Cyclically Adjusted FCF per Share compare to V and MA?
Financiera IndependenciaB de CV Sofom E N R's Cyclically Adjusted FCF per Share of MXN1.30 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 Financiera IndependenciaB de CV Sofom E N R and its competitors. Financiera IndependenciaB de CV Sofom E N R's current Cyclically Adjusted FCF per Share is MXN1.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Financiera IndependenciaB de CV Sofom E N R stock overvalued right now?
Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) is currently considered Fairly Valued. The stock's GF Value™ is MXN8.17, compared to a current price of MXN7.40 — trading 9.4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is MXN1.30. Financiera IndependenciaB de CV Sofom E N R's overall GF Score™ is 56/100 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP), the current Cyclically Adjusted FCF per Share is MXN1.30 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 Financiera IndependenciaB de CV Sofom E N R (MEX:FINDEP) Overvalued in 2026?

Based on GuruFocus' analysis, Financiera IndependenciaB de CV Sofom E N R stock appears to be undervalued. The current stock price of MXN7.40 is trading 9.4% below its estimated GF Value™ of MXN8.17. GuruFocus considers Financiera IndependenciaB de CV Sofom E N R to be Fairly Valued.

Key valuation signals for MEX:FINDEP:

  • Cyclically Adjusted FCF per Share: MXN1.30
  • GF Value™: MXN8.17 vs. price of MXN7.40 (9.4% below fair value)
  • GF Score™: 56/100 with 5 warning signs

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


Financiera IndependenciaB de CV Sofom E N R Business Description

Address Prolongacion Paseo de la Reforma No. 600, Int. 420, Col. Santa Fe Pena Blanca, Mexico DF, MEX, 01210
Financiera Independencia SAB de CV Sofom E N R operates as a microfinance company. The company offers Credipopular for self-employed individuals, CrediMama for mothers with a child, CrediInmediato for employed individuals.
56GF Score

Get the complete analysis for MEX:FINDEP

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

MXN7.40
Price
MXN8.17
GF Value