Dr.Finance (WAR:DRF) Cyclically Adjusted FCF per Share: zł0.04 (As of Dec. 2025)


WAR:DRF Dr.Finance SA WAR:DRF
44 GF Score
Price zł1.11
GF Value zł0.50
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Dr.Finance Cyclically Adjusted FCF per Share?

Dr.Finance WAR:DRF +1.83% 44 Cyclically Adjusted FCF per Share is zł0.04 as of Dec. 2025. GuruFocus rates WAR:DRF with a GF Score™ of 44/100 and a GF Value™ of zł0.50 (Significantly Overvalued). The stock has 3 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.

Dr.Finance's adjusted free cash flow per share for the three months ended in Dec. 2025 was zł-0.025. 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 zł0.04 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Dr.Finance's average Cyclically Adjusted FCF Growth Rate was 33.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 26.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 10.40% 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 Dr.Finance was 44.20% per year. The lowest was -12.60% per year. And the median was 0.00% per year.

As of today (2026-07-13), Dr.Finance's current stock price is zł1.11. Dr.Finance's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2025 was zł0.04. Dr.Finance's Cyclically Adjusted Price-to-FCF of today is 27.75.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Dr.Finance was 117.33. The lowest was 7.33. And the median was 37.17.


Dr.Finance  (WAR:DRF) 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.

Dr.Finance's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=1.11/0.04
=27.75

* 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 Dr.Finance was 117.33. The lowest was 7.33. And the median was 37.17.


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.


Dr.Finance Cyclically Adjusted FCF per Share Related Terms


Dr.Finance Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Dr.Finance'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.

Dr.Finance Cyclically Adjusted FCF per Share Chart

Dr.Finance 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 0.03 0.02 0.02 0.03 0.04

Dr.Finance Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
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 0.03 0.04 0.04 0.03 0.04

WAR:DRF vs V, MA, AXP: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, Dr.Finance'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.


Dr.Finance Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Dr.Finance's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

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


WAR:DRF
44GF Score
Dr.Finance SA WAR:DRF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dr.Finance 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, Dr.Finance's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2025 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=-0.025/158.3200*158.3200
=-0.025

Current CPI (Dec. 2025) = 158.3200.

Dr.Finance Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201603 0.033 98.983 0.053
201606 0.078 99.552 0.124
201609 0.078 99.064 0.125
201612 -0.086 100.366 -0.136
201703 0.002 101.018 0.003
201706 0.022 101.180 0.034
201709 0.009 101.343 0.014
201712 0.006 102.564 0.009
201803 -0.022 102.564 -0.034
201806 0.010 103.378 0.015
201809 0.044 103.378 0.067
201812 0.050 103.785 0.076
201903 -0.014 104.274 -0.021
201906 0.044 105.983 0.066
201909 0.034 105.983 0.051
201912 0.035 107.123 0.052
202003 -0.040 109.076 -0.058
202006 0.024 109.402 0.035
202009 0.001 109.320 0.001
202012 0.016 109.565 0.023
202103 -0.024 112.658 -0.034
202106 0.020 113.960 0.028
202109 0.025 115.588 0.034
202112 -0.004 119.088 -0.005
202203 -0.029 125.031 -0.037
202206 -0.028 131.705 -0.034
202209 -0.007 135.531 -0.008
202212 0.016 139.113 0.018
202303 -0.018 145.950 -0.020
202306 0.000 147.009 0.000
202309 0.003 146.113 0.003
202312 -0.035 147.741 -0.038
202403 0.038 149.044 0.040
202406 -0.021 150.997 -0.022
202409 -0.007 153.439 -0.007
202412 0.015 154.660 0.015
202503 -0.020 157.021 -0.020
202506 0.030 157.509 0.030
202509 -0.032 158.000 -0.032
202512 -0.025 158.320 -0.025

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 zł0.04 mean?
Dr.Finance (WAR:DRF) has a Cyclically Adjusted FCF per Share of zł0.04 as of Dec. 2025. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Dr.Finance and its competitors.
Is Dr.Finance's Cyclically Adjusted FCF per Share too high?
Dr.Finance's current Cyclically Adjusted FCF per Share is zł0.04. Overall, Dr.Finance has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dr.Finance's Cyclically Adjusted FCF per Share compare to V and MA?
Dr.Finance's Cyclically Adjusted FCF per Share of zł0.04 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 Dr.Finance and its competitors. Dr.Finance's current Cyclically Adjusted FCF per Share is zł0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dr.Finance stock overvalued right now?
Based on GuruFocus' analysis, Dr.Finance (WAR:DRF) is currently considered Significantly Overvalued. The stock's GF Value™ is zł0.50, compared to a current price of zł1.11 — trading 122% above its estimated fair value. The current Cyclically Adjusted FCF per Share is zł0.04. Dr.Finance's overall GF Score™ is 44/100 with 3 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 Dr.Finance (WAR:DRF), the current Cyclically Adjusted FCF per Share is zł0.04 as of Dec. 2025. 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 Dr.Finance (WAR:DRF) Overvalued in 2026?

Based on GuruFocus' analysis, Dr.Finance stock appears to be overvalued. The current stock price of zł1.11 is trading 122% above its estimated GF Value™ of zł0.50. GuruFocus considers Dr.Finance to be Significantly Overvalued.

Key valuation signals for WAR:DRF:

  • Cyclically Adjusted FCF per Share: zł0.04
  • GF Value™: zł0.50 vs. price of zł1.11 (122% above fair value)
  • GF Score™: 44/100 with 3 warning signs

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


Dr.Finance Business Description

Address ul. Braniborska 65/12, Wroclaw, POL, 53-680
Dr.Finance SA is a financial intermediary in the sale of loans and other financial products. It operates in the business of Working capital loans, Investment loans, Leasing, and Factoring.
44GF Score

Get the complete analysis for WAR:DRF

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

zł1.11
Price
zł0.50
GF Value