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APS BankMAL:APS 18 EV-to-OCF is -2.15 as of Aug. 20, 2026. GuruFocus rates MAL:APS with a GF Score™ of 18/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,496 Banks companies, APS Bank ranks better than 78.28% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, APS Bank's Enterprise Value is €140.1 Mil.
APS Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €-65.1 Mil. Therefore, APS Bank's EV-to-OCF for today is -2.15.
The historical rank and industry rank for APS Bank's EV-to-OCF or its related term are showing as below:
MAL:APS'
s EV-to-OCF Range Over the Past 10 Years
Min: -3.12 Med: -0.25 Max: 49.56
Current: -2.15
During the past 5 years, the highest EV-to-OCF of APS Bank was 49.56. The lowest was -3.12. And the median was -0.25.
MAL:APS's EV-to-OCF is ranked better than 78.28% of 1496
companies
in the Banks industry
Industry Median: 3.885
vs MAL:APS: -2.15
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.
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.
APS Bank's share price for today is €0.58.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. APS Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was €0.061.
* 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.
APS Bank EV-to-OCF Related Terms
APS Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for APS Bank'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 Banks - Regional subindustry, APS Bank'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.
APS Bank EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where APS Bank's EV-to-OCF falls into.
APS Bank's current Enterprise Value is €140.1 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. APS Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €-65.1 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.
APS Bank (MAL:APS) has a EV-to-OCF of -2.15 as of Aug. 20, 2026. According to the industry distribution chart, APS Bank ranks #325 out of 1496 companies in the Banks industry, placing it in the top 21.7%.
Is APS Bank's EV-to-OCF too high?
APS Bank's current EV-to-OCF is -2.15. Based on the distribution chart, APS Bank ranks #325 out of 1496 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, APS Bank has a GF Score™ of 18/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's EV-to-OCF compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #325 out of 1496 companies for EV-to-OCF. This places APS Bank in the top 22% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 3.89. 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 Banks company?
The median EV-to-OCF among Banks companies is 3.89, based on 1,496 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. 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 Banks industry, the median EV-to-OCF is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. APS Bank's current EV-to-OCF is -2.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.58 — trading 4.9% below its estimated fair value. The current EV-to-OCF is -2.15. APS Bank's overall GF Score™ is 18/100 with 6 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 APS Bank (MAL:APS), the current EV-to-OCF is -2.15 as of Aug. 20, 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.58 is trading 4.9% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
EV-to-OCF: -2.15
GF Value™: €0.61 vs. price of €0.58 (4.9% below fair value)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
18GF Score
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