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.
Qliro ABOSTO:QLIRO +1.37%70 EV-to-OCF is 20.93 as of Aug. 13, 2026, which is 199% above its 10-year median of 6.99. GuruFocus rates OSTO:QLIRO with a GF Score™ of 70/100 and a GF Value™ of kr16.38 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 544 Credit Services companies, Qliro AB ranks worse than 81.62% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Qliro AB's Enterprise Value is kr2,476.1 Mil.
Qliro AB's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was kr118.3 Mil. Therefore, Qliro AB's EV-to-OCF for today is 20.93.
The historical rank and industry rank for Qliro AB's EV-to-OCF or its related term are showing as below:
OSTO:QLIRO'
s EV-to-OCF Range Over the Past 10 Years
Min: -46.65 Med: 6.99 Max: 2876.16
Current: 20.99
During the past 9 years, the highest EV-to-OCF of Qliro AB was 2876.16. The lowest was -46.65. And the median was 6.99.
OSTO:QLIRO's EV-to-OCF is ranked worse than 81.62% of 544
companies
in the Credit Services industry
Industry Median: -0.865
vs OSTO:QLIRO: 20.99
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.
Qliro AB's share price for today is kr18.50.
Qliro AB's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr-1.982.
* 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.
Qliro AB EV-to-OCF Related Terms
Qliro AB EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Qliro AB'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, Qliro AB'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.
Qliro AB EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qliro AB's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Qliro AB's EV-to-OCF falls into.
Qliro AB's current Enterprise Value is kr2,476.1 Mil.
Qliro AB's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was kr118.3 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.
Qliro AB (OSTO:QLIRO) has a EV-to-OCF of 20.93 as of Aug. 13, 2026. This is 199% above median its historical median of 6.99. According to the industry distribution chart, Qliro AB ranks #444 out of 544 companies in the Credit Services industry, placing it in the top 81.6%.
Is Qliro AB's EV-to-OCF too high?
Qliro AB's current EV-to-OCF of 20.93 is 199% above median its 10-year median of 6.99. Based on the distribution chart, Qliro AB ranks #444 out of 544 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Qliro AB has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Qliro AB's EV-to-OCF compare to V and MA?
According to the Credit Services industry distribution chart, Qliro AB ranks #444 out of 544 companies for EV-to-OCF. This places Qliro AB in the lower 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. Qliro AB's current EV-to-OCF is 20.93, which is 199% above median its own 10-year median of 6.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qliro AB stock overvalued right now?
Based on GuruFocus' analysis, Qliro AB (OSTO:QLIRO) is currently considered Modestly Overvalued. The stock's GF Value™ is kr16.38, compared to a current price of kr18.50 — trading 12.9% above its estimated fair value. The current EV-to-OCF is 20.93, which is 199% above median its 10-year median of 6.99. Qliro AB's overall GF Score™ is 70/100 with 4 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 Qliro AB (OSTO:QLIRO), the current EV-to-OCF is 20.93 as of Aug. 13, 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 Qliro AB (OSTO:QLIRO) Overvalued in 2026?
Based on GuruFocus' analysis, Qliro AB stock appears to be overvalued.
The current stock price of kr18.50 is trading 12.9% above its estimated GF Value™ of kr16.38.
GuruFocus considers Qliro AB to be Modestly Overvalued.
Key valuation signals for OSTO:QLIRO:
EV-to-OCF: 20.93 (199% above median its 10-year median of 6.99)
GF Value™: kr16.38 vs. price of kr18.50 (12.9% above fair value)
No single metric tells the full story. See the OSTO:QLIRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qliro AB is a fintech company that provides digital payment solutions to both Enterprise and SME merchants, with a primary focus on e-commerce. Its offering to merchants includes a checkout solution designed to maximise both conversion and upselling. The Unified Payments system integrates all relevant payment methods in one offering, allowing flexible implementation. For consumers, Qliro offers its proprietary invoice and part-payment services (Pay Later) available through connected merchants throughout the Nordics, as well as personal savings accounts in Sweden and Germany. The Group identifies only one operating segment: Payment Solutions. Geographically, it generates maximum revenue from Sweden, and the rest from Finland, Denmark, and Norway.
70GF Score
Get the complete analysis for OSTO:QLIRO
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OSTO:QLIRO has been successfully added to your 
