ING Bank Slaski (STU:6GF) Cyclically Adjusted FCF per Share: €11.65 (As of Jun. 2026)

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STU:6GF ING Bank Slaski SA STU:6GF
81 GF Score
Price €102.30
GF Value €76.25
Valuation Significantly Overvalued
! 9 Warning Signs
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What is ING Bank Slaski Cyclically Adjusted FCF per Share?

ING Bank Slaski STU:6GF -2.11% 81 Cyclically Adjusted FCF per Share is €11.65 as of Jun. 2026. GuruFocus rates STU:6GF with a GF Score™ of 81/100 and a GF Value™ of €76.25 (Significantly Overvalued). The stock has 9 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.

ING Bank Slaski's adjusted free cash flow per share for the three months ended in Jun. 2026 was €22.367. 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 €11.65 for the trailing ten years ended in Jun. 2026.

During the past 12 months, ING Bank Slaski's average Cyclically Adjusted FCF Growth Rate was -100.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -0.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 9.80% 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 ING Bank Slaski was 13.90% per year. The lowest was -0.70% per year. And the median was 8.90% per year.

As of today (2026-08-06), ING Bank Slaski's current stock price is €102.30. ING Bank Slaski's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €11.65. ING Bank Slaski's Cyclically Adjusted Price-to-FCF of today is 8.78.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of ING Bank Slaski was 60.38. The lowest was 6.06. And the median was 10.82.


ING Bank Slaski  (STU:6GF) 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.

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

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=102.30/11.65
=8.78

* 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 ING Bank Slaski was 60.38. The lowest was 6.06. And the median was 10.82.


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.


ING Bank Slaski Cyclically Adjusted FCF per Share Related Terms


ING Bank Slaski Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for ING Bank Slaski'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.

ING Bank Slaski Cyclically Adjusted FCF per Share Chart

ING Bank Slaski 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 3.88 5.22 4.87 5.28 5.54

ING Bank Slaski Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 7.74 5.63 5.54 9.08 11.65

STU:6GF vs PNC: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, ING Bank Slaski'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.


ING Bank Slaski Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


STU:6GF
81GF Score
ING Bank Slaski SA STU:6GF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ING Bank Slaski 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, ING Bank Slaski's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=22.367/162.2800*162.2800
=22.367

Current CPI (Jun. 2026) = 162.2800.

ING Bank Slaski Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.001 99.064 0.002
201612 1.567 100.366 2.534
201703 0.911 101.018 1.463
201706 1.377 101.180 2.209
201709 0.041 101.343 0.066
201712 7.330 102.564 11.598
201803 -1.685 102.564 -2.666
201806 -3.199 103.378 -5.022
201809 -1.019 103.378 -1.600
201812 0.676 103.785 1.057
201903 3.106 104.274 4.834
201906 -0.836 105.983 -1.280
201909 -0.715 105.983 -1.095
201912 -2.384 107.123 -3.612
202003 9.123 109.076 13.573
202006 23.065 109.402 34.213
202009 3.060 109.320 4.542
202012 -0.825 109.565 -1.222
202103 5.116 112.658 7.369
202106 -2.502 113.960 -3.563
202109 -2.586 115.588 -3.631
202112 0.532 119.088 0.725
202203 6.344 125.031 8.234
202206 -2.732 131.705 -3.366
202209 -2.724 135.531 -3.262
202212 3.911 139.113 4.562
202303 -0.417 145.950 -0.464
202306 -7.835 147.009 -8.649
202309 6.109 146.113 6.785
202312 -2.651 147.741 -2.912
202403 0.879 149.044 0.957
202406 -5.356 150.997 -5.756
202409 5.078 153.439 5.371
202412 -1.585 154.660 -1.663
202503 13.029 157.021 13.465
202506 6.746 157.509 6.950
202509 -15.144 158.000 -15.554
202512 -2.931 158.320 -3.004
202603 33.143 163.070 32.982
202606 22.367 162.280 22.367

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 €11.65 mean?
ING Bank Slaski (STU:6GF) has a Cyclically Adjusted FCF per Share of €11.65 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on ING Bank Slaski and its competitors.
Is ING Bank Slaski's Cyclically Adjusted FCF per Share too high?
ING Bank Slaski's current Cyclically Adjusted FCF per Share is €11.65. Overall, ING Bank Slaski has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ING Bank Slaski's Cyclically Adjusted FCF per Share compare to PNC?
ING Bank Slaski's Cyclically Adjusted FCF per Share of €11.65 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 ING Bank Slaski and its competitors. ING Bank Slaski's current Cyclically Adjusted FCF per Share is €11.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ING Bank Slaski stock overvalued right now?
Based on GuruFocus' analysis, ING Bank Slaski (STU:6GF) is currently considered Significantly Overvalued. The stock's GF Value™ is €76.25, compared to a current price of €102.30 — trading 34.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €11.65. ING Bank Slaski's overall GF Score™ is 81/100 with 9 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 ING Bank Slaski (STU:6GF), the current Cyclically Adjusted FCF per Share is €11.65 as of Jun. 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 ING Bank Slaski (STU:6GF) Overvalued in 2026?

Based on GuruFocus' analysis, ING Bank Slaski stock appears to be overvalued. The current stock price of €102.30 is trading 34.2% above its estimated GF Value™ of €76.25. GuruFocus considers ING Bank Slaski to be Significantly Overvalued.

Key valuation signals for STU:6GF:

  • Cyclically Adjusted FCF per Share: €11.65
  • GF Value™: €76.25 vs. price of €102.30 (34.2% above fair value)
  • GF Score™: 81/100 with 9 warning signs

No single metric tells the full story. See the STU:6GF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


ING Bank Slaski Business Description

Address Sokolska Street 34, Katowice, POL, 40-086
ING Bank Slaski SA offers a broad range of banking services rendered to individual and institutional clients in line with the scope of services outlined in the Bank's charter. The Bank runs operations both in the home currency and in foreign currencies. Additionally, through subsidiaries, the Group conducts leasing and factoring activity, advisory and acts as a financial intermediary as well as provides other financial services. The Group's business model includes the division of clients into two main segments namely the retail banking segment and corporate banking segment. The Group pursues business within the territory of the Republic of Poland.
81GF Score

Get the complete analysis for STU:6GF

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

€102.30
Price
€76.25
GF Value