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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.
FinsetaLSE:FIN 46 EV-to-OCF is 20.07 as of Aug. 22, 2026. GuruFocus rates LSE:FIN with a GF Score™ of 46/100 and a GF Value™ of £0.41 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 2,877 Software companies, Finseta ranks worse than 77.09% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Finseta's Enterprise Value is £8.59 Mil.
Finseta's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was £0.43 Mil. Therefore, Finseta's EV-to-OCF for today is 20.07.
The historical rank and industry rank for Finseta's EV-to-OCF or its related term are showing as below:
LSE:FIN'
s EV-to-OCF Range Over the Past 10 Years
Min: -11.38 Med: -0.82 Max: 21.89
Current: 20.07
During the past 7 years, the highest EV-to-OCF of Finseta was 21.89. The lowest was -11.38. And the median was -0.82.
LSE:FIN's EV-to-OCF is ranked worse than 77.09% of 2877
companies
in the Software industry
Industry Median: 7.02
vs LSE:FIN: 20.07
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 (2026-08-22), Finseta's stock price is £0.1125.
Finseta's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was £-0.020. Therefore, Finseta'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.
Finseta's share price for today is £0.1125.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Finseta's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was £-0.020.
* 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.
Finseta EV-to-OCF Related Terms
Finseta EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Finseta'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 Software - Infrastructure subindustry, Finseta'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.
Finseta EV-to-OCF vs Software Industry
For the Software industry and Technology sector, Finseta's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Finseta's EV-to-OCF falls into.
Finseta's current Enterprise Value is £8.59 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Finseta's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was £0.43 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.
Finseta (LSE:FIN) has a EV-to-OCF of 20.07 as of Aug. 22, 2026. According to the industry distribution chart, Finseta ranks #2218 out of 2877 companies in the Software industry, placing it in the top 77.1%.
Is Finseta's EV-to-OCF too high?
Finseta's current EV-to-OCF is 20.07. The Software industry median EV-to-OCF is 7.02. Finseta's value of 20.07 is 185.9% above this industry median. Based on the distribution chart, Finseta ranks #2218 out of 2877 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Finseta has a GF Score™ of 46/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Finseta's EV-to-OCF compare to MSFT and ORCL?
According to the Software industry distribution chart, Finseta ranks #2218 out of 2877 companies for EV-to-OCF. This places Finseta in the lower half of its industry. The industry median EV-to-OCF is 7.02. Finseta's value of 20.07 is 185.9% above this benchmark. 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 Software company?
The median EV-to-OCF among Software companies is 7.02, based on 2,877 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Finseta's current EV-to-OCF of 20.07 is 185.9% above the industry median. 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. For the Software industry, the median EV-to-OCF is 7.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Finseta's current EV-to-OCF is 20.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finseta stock overvalued right now?
Based on GuruFocus' analysis, Finseta (LSE:FIN) is currently considered Possible Value Trap. The stock's GF Value™ is £0.41, compared to a current price of £0.11 — trading 72.6% below its estimated fair value. The current EV-to-OCF is 20.07 and 185.9% above the Software industry median of 7.02. Finseta's overall GF Score™ is 46/100 with 2 warning signs to review. 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 Finseta (LSE:FIN), the current EV-to-OCF is 20.07 as of Aug. 22, 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 Finseta (LSE:FIN) Overvalued in 2026?
Based on GuruFocus' analysis, Finseta stock appears to be undervalued.
The current stock price of £0.11 is trading 72.6% below its estimated GF Value™ of £0.41.
GuruFocus considers Finseta to be Possible Value Trap.
Key valuation signals for LSE:FIN:
EV-to-OCF: 20.07
GF Value™: £0.41 vs. price of £0.11 (72.6% below fair value)
Industry Position: 185.9% above the Software median (#2218 of 2877)
No single metric tells the full story. See the LSE:FIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finseta PLC is a foreign exchange and payments company offering multi-currency accounts and payment solutions to businesses and individuals. The Group provides international payment, currency management, and electronic account services across several countries in various currencies using its proprietary cloud-based multi-currency payments platform. Additionally, it offers the Finseta Corporate Card, enabling real-time spend tracking, multi-user access, and international transactions. Geographically, the majority of the company's revenue is generated from the United Kingdom, followed by the Rest of the world.
46GF Score
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