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CAL BankXGHA:CAL -1.27% EV-to-OCF is 0.68 as of Aug. 15, 2026, which is 3% above its 10-year median of 0.66. The stock has 5 warning signs investors should review. Among 1,496 Banks companies, CAL Bank ranks better than 64.71% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, CAL Bank's Enterprise Value is GHS1,777 Mil.
CAL Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was GHS2,626 Mil. Therefore, CAL Bank's EV-to-OCF for today is 0.68.
The historical rank and industry rank for CAL Bank's EV-to-OCF or its related term are showing as below:
XGHA:CAL'
s EV-to-OCF Range Over the Past 10 Years
Min: -130.21 Med: 0.66 Max: 99.94
Current: 0.64
During the past 13 years, the highest EV-to-OCF of CAL Bank was 99.94. The lowest was -130.21. And the median was 0.66.
XGHA:CAL's EV-to-OCF is ranked better than 64.71% of 1496
companies
in the Banks industry
Industry Median: 3.88
vs XGHA:CAL: 0.64
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.
CAL Bank's share price for today is GHS0.78.
CAL Bank'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 GHS0.180.
* 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.
CAL Bank EV-to-OCF Related Terms
CAL Bank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for CAL 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, CAL 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.
CAL Bank EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, CAL Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where CAL Bank's EV-to-OCF falls into.
CAL Bank's current Enterprise Value is GHS1,777 Mil.
CAL Bank'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 GHS2,626 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.
CAL Bank (XGHA:CAL) has a EV-to-OCF of 0.68 as of Aug. 15, 2026. This is near median its historical median of 0.66. According to the industry distribution chart, CAL Bank ranks #528 out of 1496 companies in the Banks industry, placing it in the top 35.3%.
Is CAL Bank's EV-to-OCF too high?
CAL Bank's current EV-to-OCF of 0.68 is near median its 10-year median of 0.66. The Banks industry median EV-to-OCF is 3.88. CAL Bank's value of 0.68 is 82.5% below this industry median. Based on the distribution chart, CAL Bank ranks #528 out of 1496 companies in the Banks industry, which is above the industry midpoint.
How does CAL Bank's EV-to-OCF compare to PNC?
According to the Banks industry distribution chart, CAL Bank ranks #528 out of 1496 companies for EV-to-OCF. This puts CAL Bank in the upper half of its industry. The industry median EV-to-OCF is 3.88. CAL Bank's value of 0.68 is 82.5% below this benchmark. While the company's 10-year median is 0.66 vs. the industry median of 3.88, CAL Bank has consistently been below the industry average. 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 3.88, 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. CAL Bank's current EV-to-OCF of 0.68 is 82.5% below 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 Banks industry, the median EV-to-OCF is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CAL Bank's current EV-to-OCF is 0.68, which is near median its own 10-year median of 0.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current EV-to-OCF of 0.68. The current EV-to-OCF is 0.68, which is near median its 10-year median of 0.66 and 82.5% below the Banks industry median of 3.88. 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 CAL Bank (XGHA:CAL), the current EV-to-OCF is 0.68 as of Aug. 15, 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.
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.
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