BCO Estado de Sergipe - Banese (BSP:BGIP3) EV-to-FCF: 0.17 (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

BSP:BGIP3 BCO Estado de Sergipe SA - Banese BSP:BGIP3
46 GF Score
Price R$48.08
GF Value R$26.35
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is BCO Estado de Sergipe - Banese EV-to-FCF?

BCO Estado de Sergipe - Banese BSP:BGIP3 -7.22% 46 EV-to-FCF is 0.17 as of Jul. 15, 2026. GuruFocus rates BSP:BGIP3 with a GF Score™ of 46/100 and a GF Value™ of R$26.35 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,196 Banks companies, BCO Estado de Sergipe - Banese ranks better than 83.86% on this metric.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, BCO Estado de Sergipe - Banese's Enterprise Value is R$124 Mil. BCO Estado de Sergipe - Banese's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was R$740 Mil. Therefore, BCO Estado de Sergipe - Banese's EV-to-FCF for today is 0.17.

The historical rank and industry rank for BCO Estado de Sergipe - Banese's EV-to-FCF or its related term are showing as below:

BSP:BGIP3' s EV-to-FCF Range Over the Past 10 Years
Min: -34.34   Med: -1.53   Max: 17.03
Current: 0.17

During the past 13 years, the highest EV-to-FCF of BCO Estado de Sergipe - Banese was 17.03. The lowest was -34.34. And the median was -1.53.

BSP:BGIP3's EV-to-FCF is ranked better than
83.86% of 1196 companies
in the Banks industry
Industry Median: 6.575 vs BSP:BGIP3: 0.17

EV-to-FCF 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 (2026-07-15), BCO Estado de Sergipe - Banese's stock price is R$48.08. BCO Estado de Sergipe - Banese's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was R$0.076. Therefore, BCO Estado de Sergipe - Banese's PE Ratio (TTM) for today is 632.63.


BCO Estado de Sergipe - Banese  (BSP:BGIP3) EV-to-FCF Explanation

EV-to-FCF 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.

BCO Estado de Sergipe - Banese's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=48.08/0.076
=632.63

BCO Estado de Sergipe - Banese's share price for today is R$48.08.
BCO Estado de Sergipe - Banese's Earnings per Share (Diluted) 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 R$0.076.

* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


BCO Estado de Sergipe - Banese EV-to-FCF Related Terms


BCO Estado de Sergipe - Banese EV-to-FCF Historical Data

* Premium members only.

The historical data trend for BCO Estado de Sergipe - Banese's EV-to-FCF 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.

BCO Estado de Sergipe - Banese EV-to-FCF Chart

BCO Estado de Sergipe - Banese Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.29 -1.86 -6.67 -2.60 0.02

BCO Estado de Sergipe - Banese Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.02 0.01 0.26 0.02 0.71

BSP:BGIP3 vs PNC, USB: EV-to-FCF Comparison

For the Banks - Regional subindustry, BCO Estado de Sergipe - Banese's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.


BCO Estado de Sergipe - Banese EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, BCO Estado de Sergipe - Banese's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where BCO Estado de Sergipe - Banese's EV-to-FCF falls into.


BSP:BGIP3
46GF Score
BCO Estado de Sergipe SA - Banese BSP:BGIP3
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BCO Estado de Sergipe - Banese EV-to-FCF Calculation

BCO Estado de Sergipe - Banese's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=124.254/740.025
=0.17

BCO Estado de Sergipe - Banese's current Enterprise Value is R$124 Mil.
BCO Estado de Sergipe - Banese'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 R$740 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.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of 0.17 mean?
BCO Estado de Sergipe - Banese (BSP:BGIP3) has a EV-to-FCF of 0.17 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BCO Estado de Sergipe - Banese and its competitors. According to the industry distribution chart, BCO Estado de Sergipe - Banese ranks #193 out of 1196 companies in the Banks industry, placing it in the top 16.1%.
Is BCO Estado de Sergipe - Banese's EV-to-FCF too high?
BCO Estado de Sergipe - Banese's current EV-to-FCF is 0.17. The Banks industry median EV-to-FCF is 6.58. BCO Estado de Sergipe - Banese's value of 0.17 is 97.4% below this industry median. Based on the distribution chart, BCO Estado de Sergipe - Banese ranks #193 out of 1196 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BCO Estado de Sergipe - Banese has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BCO Estado de Sergipe - Banese's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, BCO Estado de Sergipe - Banese ranks #193 out of 1196 companies for EV-to-FCF. This places BCO Estado de Sergipe - Banese in the top 16% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.58. BCO Estado de Sergipe - Banese's value of 0.17 is 97.4% below 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.58, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BCO Estado de Sergipe - Banese's current EV-to-FCF of 0.17 is 97.4% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BCO Estado de Sergipe - Banese and its competitors. For the Banks industry, the median EV-to-FCF is 6.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BCO Estado de Sergipe - Banese's current EV-to-FCF is 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Estado de Sergipe - Banese stock overvalued right now?
Based on GuruFocus' analysis, BCO Estado de Sergipe - Banese (BSP:BGIP3) is currently considered Significantly Overvalued. The stock's GF Value™ is R$26.35, compared to a current price of R$48.08 — trading 82.5% above its estimated fair value. The current EV-to-FCF is 0.17 and 97.4% below the Banks industry median of 6.58. BCO Estado de Sergipe - Banese'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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For BCO Estado de Sergipe - Banese (BSP:BGIP3), the current EV-to-FCF is 0.17 as of Jul. 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.

Is BCO Estado de Sergipe - Banese (BSP:BGIP3) Overvalued in 2026?

Based on GuruFocus' analysis, BCO Estado de Sergipe - Banese stock appears to be overvalued. The current stock price of R$48.08 is trading 82.5% above its estimated GF Value™ of R$26.35. GuruFocus considers BCO Estado de Sergipe - Banese to be Significantly Overvalued.

Key valuation signals for BSP:BGIP3:

  • EV-to-FCF: 0.17
  • GF Value™: R$26.35 vs. price of R$48.08 (82.5% above fair value)
  • GF Score™: 46/100 with 2 warning signs
  • Industry Position: 97.4% below the Banks median (#193 of 1196)

No single metric tells the full story. See the BSP:BGIP3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BCO Estado de Sergipe - Banese Business Description

Other Exchanges BGIP4:Brazil
Address Rua F - 31, Aracaju, SE, BRA, 49040240
BCO Estado de Sergipe SA - Banese offers a range of banking products and services to individuals and corporates in the areas of loans and deposits, investment banking, portfolio management, leasing, pension, as well as life and property insurance and Internet banking services.
46GF Score

Get the complete analysis for BSP:BGIP3

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$48.08
Price
R$26.35
GF Value