Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
FiinuLSE:BANK EV-to-OCF is -3.50 as of Sep. 21, 2026. The stock has 6 warning signs investors should review. Among 551 Credit Services companies, Fiinu ranks better than 55.54% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Fiinu's Enterprise Value is £13.30 Mil.
Fiinu's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was £-3.80 Mil. Therefore, Fiinu's EV-to-OCF for today is -3.50.
The historical rank and industry rank for Fiinu's EV-to-OCF or its related term are showing as below:
LSE:BANK'
s EV-to-OCF Range Over the Past 10 Years
Min: -7.65 Med: -5.44 Max: -2.35
Current: -3.18
During the past 13 years, the highest EV-to-OCF of Fiinu was -2.35. The lowest was -7.65. And the median was -5.44.
LSE:BANK's EV-to-OCF is ranked better than 55.54% of 551
companies
in the Credit Services industry
Industry Median: -0.6
vs LSE:BANK: -3.18
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-09-21), Fiinu's stock price is £0.035.
Fiinu's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was £-0.032. Therefore, Fiinu's PE Ratio (TTM) for today is At Loss.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Fiinu's share price for today is £0.035.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Fiinu's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was £-0.032.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Fiinu EV-to-OCF Related Terms
Fiinu EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Fiinu's EV-to-OCF 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.
For the Credit Services subindustry, Fiinu's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.
Fiinu EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fiinu's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Fiinu's EV-to-OCF falls into.
Fiinu's current Enterprise Value is £13.30 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Fiinu's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was £-3.80 Mil.
* 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.
Fiinu (LSE:BANK) has a EV-to-OCF of -3.50 as of Sep. 21, 2026. According to the industry distribution chart, Fiinu ranks #245 out of 551 companies in the Credit Services industry, placing it in the top 44.5%.
Is Fiinu's EV-to-OCF too high?
Fiinu's current EV-to-OCF is -3.50. Based on the distribution chart, Fiinu ranks #245 out of 551 companies in the Credit Services industry, which is above the industry midpoint.
How does Fiinu's EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Fiinu ranks #245 out of 551 companies for EV-to-OCF. This puts Fiinu in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Fiinu's current EV-to-OCF is -3.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fiinu stock overvalued right now?
Fiinu (LSE:BANK) has a current EV-to-OCF of -3.50. The current EV-to-OCF is -3.50. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Fiinu (LSE:BANK), the current EV-to-OCF is -3.50 as of Sep. 21, 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.
Fiinu PLC is a digital banking platform intended to unbundle overdraft solutions without needing to switch banks. The company offers led interest income, deposit margin banking infrastructure provider and helps to manage budget or those short-term unexpected costs, in a simple and responsible way, thereby assisting individuals with short-term unexpected expenses while maintaining financial prudence to reshape banking into a hassle-free, transparent, and efficient journey.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LSE:BANK has been successfully added to your 
