Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, PBS Finanse's Enterprise Value is zł9.66 Mil.
PBS Finanse's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was zł0.10 Mil. Therefore, PBS Finanse's EV-to-EBIT ratio for today is 95.61.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, PBS Finanse's Enterprise Value is zł9.66 Mil.
PBS Finanse's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was zł0.10 Mil. Therefore, PBS Finanse's EV-to-EBITDA ratio for today is 94.68.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, PBS Finanse's Enterprise Value is zł9.66 Mil.
PBS Finanse's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was zł3.52 Mil. Therefore, PBS Finanse's EV-to-Revenue ratio for today is 2.74.
EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, PBS Finanse's Enterprise Value is zł9.66 Mil.
PBS Finanse's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was zł-0.56 Mil. Therefore, PBS Finanse's EV-to-FCF ratio for today is -17.18.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
PBS Finanse (WAR:PBF) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
PBS Finanse's current Enterprise Value is zł9.66 Mil.
PBS Finanse's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł0.10 Mil.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
PBS Finanse's current Enterprise Value is zł9.66 Mil.
PBS Finanse's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł0.10 Mil.
PBS Finanse's current Enterprise Value is zł9.66 Mil.
PBS Finanse's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł3.52 Mil.
PBS Finanse's current Enterprise Value is zł9.66 Mil.
PBS Finanse's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł-0.56 Mil.
PBS Finanse's current Enterprise Value is zł9.66 Mil.
PBS Finanse's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł-0.56 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.
PBS Finanse Enterprise Value Related Terms
PBS Finanse Enterprise Value Historical Data
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The historical data trend for PBS Finanse's Enterprise Value 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.
WAR:PBF vs V, MA, AXP: Enterprise Value Comparison
For the Credit Services subindustry, PBS Finanse's Enterprise Value, along with its competitors' market caps and Enterprise Value 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.
PBS Finanse Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PBS Finanse's Enterprise Value distribution charts can be found below:
* The bar in red indicates where PBS Finanse's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
PBS Finanse's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
PBS Finanse (WAR:PBF) has a Enterprise Value of zł9.66 Mil as of Jul. 05, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on PBS Finanse and its competitors.
Is PBS Finanse's Enterprise Value too high?
PBS Finanse's current Enterprise Value is zł9.66 Mil. Overall, PBS Finanse has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's Enterprise Value compare to V and MA?
PBS Finanse's Enterprise Value of zł9.66 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on PBS Finanse and its competitors. PBS Finanse's current Enterprise Value is zł9.66 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.36, compared to a current price of zł1.18 — trading 13.2% below its estimated fair value. The current Enterprise Value is zł9.66 Mil. PBS Finanse's overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For PBS Finanse (WAR:PBF), the current Enterprise Value is zł9.66 Mil as of Jul. 05, 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 PBS Finanse (WAR:PBF) Overvalued in 2026?
Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued.
The current stock price of zł1.18 is trading 13.2% below its estimated GF Value™ of zł1.36.
GuruFocus considers PBS Finanse to be Modestly Undervalued.
Key valuation signals for WAR:PBF:
Enterprise Value: zł9.66 Mil
GF Value™: zł1.36 vs. price of zł1.18 (13.2% below fair value)
No single metric tells the full story. See the WAR:PBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
75GF Score
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