Bank Handlowy w Warszawie (STU:6HW) Cyclically Adjusted FCF per Share: € (As of Jun. 2026)

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STU:6HW Bank Handlowy w Warszawie SA STU:6HW
72 GF Score
Price €26.90
GF Value €22.21
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Bank Handlowy w Warszawie Cyclically Adjusted FCF per Share?

Bank Handlowy w Warszawie STU:6HW -1.47% 72 Cyclically Adjusted FCF per Share is € as of Jun. 2026. GuruFocus rates STU:6HW with a GF Score™ of 72/100 and a GF Value™ of €22.21 (Modestly Overvalued). 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.

Bank Handlowy w Warszawie's adjusted free cash flow per share for the three months ended in Jun. 2026 was €-5.243. 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 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Bank Handlowy w Warszawie's average Cyclically Adjusted FCF Growth Rate was 81.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 21.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 11.10% 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 Bank Handlowy w Warszawie was 25.90% per year. The lowest was 0.90% per year. And the median was 8.30% per year.

As of today (2026-09-21), Bank Handlowy w Warszawie's current stock price is €26.90. Bank Handlowy w Warszawie's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was . Bank Handlowy w Warszawie's Cyclically Adjusted Price-to-FCF of today is .

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bank Handlowy w Warszawie was 25.24. The lowest was 2.64. And the median was 8.17.


Bank Handlowy w Warszawie  (STU:6HW) 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 Bank Handlowy w Warszawie was 25.24. The lowest was 2.64. And the median was 8.17.


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.


Bank Handlowy w Warszawie Cyclically Adjusted FCF per Share Related Terms


Bank Handlowy w Warszawie Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Bank Handlowy w Warszawie'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.

Bank Handlowy w Warszawie Cyclically Adjusted FCF per Share Chart

Bank Handlowy w Warszawie Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
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Bank Handlowy w Warszawie 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 - - - - -

STU:6HW vs USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Bank Handlowy w Warszawie'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.


Bank Handlowy w Warszawie Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


STU:6HW
72GF Score
Bank Handlowy w Warszawie SA STU:6HW
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Handlowy w Warszawie 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, Bank Handlowy w Warszawie'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)
=-5.243/162.2800*162.2800
=-5.243

Current CPI (Jun. 2026) = 162.2800.

Bank Handlowy w Warszawie Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.744 99.064 1.219
201612 -0.806 100.366 -1.303
201703 3.019 101.018 4.850
201706 0.000 101.180 0.000
201709 0.999 101.343 1.600
201712 0.142 102.564 0.225
201803 0.077 102.564 0.122
201806 1.431 103.378 2.246
201809 -0.089 103.378 -0.140
201812 0.512 103.785 0.801
201903 -12.204 104.274 -18.993
201906 13.867 105.983 21.233
201909 -7.380 105.983 -11.300
201912 7.763 107.123 11.760
202003 -5.095 109.076 -7.580
202006 9.125 109.402 13.535
202009 -5.970 109.320 -8.862
202012 6.242 109.565 9.245
202103 18.234 112.658 26.266
202106 -16.443 113.960 -23.415
202109 16.667 115.588 23.400
202112 -12.369 119.088 -16.855
202203 -5.612 125.031 -7.284
202206 14.733 131.705 18.153
202209 -3.346 135.531 -4.006
202212 -4.804 139.113 -5.604
202303 1.890 145.950 2.101
202306 1.520 147.009 1.678
202309 -1.311 146.113 -1.456
202312 -2.183 147.741 -2.398
202403 -0.296 149.044 -0.322
202406 0.381 150.997 0.409
202409 4.053 153.439 4.287
202412 -3.976 154.660 -4.172
202503 1.633 157.021 1.688
202506 0.673 157.509 0.693
202509 4.902 158.000 5.035
202512 -5.351 158.320 -5.485
202603 8.230 163.070 8.190
202606 -5.243 162.280 -5.243

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 € mean?
Bank Handlowy w Warszawie (STU:6HW) has a Cyclically Adjusted FCF per Share of € 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 Bank Handlowy w Warszawie and its competitors.
Is Bank Handlowy w Warszawie's Cyclically Adjusted FCF per Share too high?
Bank Handlowy w Warszawie's current Cyclically Adjusted FCF per Share is €. Overall, Bank Handlowy w Warszawie has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Handlowy w Warszawie's Cyclically Adjusted FCF per Share compare to USB?
Bank Handlowy w Warszawie's Cyclically Adjusted FCF per Share of € 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 Bank Handlowy w Warszawie and its competitors. Bank Handlowy w Warszawie's current Cyclically Adjusted FCF per Share is €. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Handlowy w Warszawie stock overvalued right now?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie (STU:6HW) is currently considered Modestly Overvalued. The stock's GF Value™ is €22.21, compared to a current price of €26.90 — trading 21.1% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €. Bank Handlowy w Warszawie's overall GF Score™ is 72/100 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 Bank Handlowy w Warszawie (STU:6HW), the current Cyclically Adjusted FCF per Share is € 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 Bank Handlowy w Warszawie (STU:6HW) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Handlowy w Warszawie stock appears to be overvalued. The current stock price of €26.90 is trading 21.1% above its estimated GF Value™ of €22.21. GuruFocus considers Bank Handlowy w Warszawie to be Modestly Overvalued.

Key valuation signals for STU:6HW:

  • Cyclically Adjusted FCF per Share:
  • GF Value™: €22.21 vs. price of €26.90 (21.1% above fair value)
  • GF Score™: 72/100 with 5 warning signs

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


Bank Handlowy w Warszawie Business Description

Other Exchanges BHW:Poland6HW:Germany
Address Senatorska 16 Street, Warsaw, POL, 00-923
Bank Handlowy w Warszawie SA is a Poland-based bank and the parent company of the Bank Handlowy Group. It is a subsidiary of Citigroup, through Citibank Overseas Investment Corporation. The group provides retail, corporate, and investment banking services, as well as leasing and other financial services.
72GF Score

Get the complete analysis for STU:6HW

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

€26.90
Price
€22.21
GF Value