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.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Banco Pine's Enterprise Value is R$10,397 Mil.
Banco Pine's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was R$2,241 Mil. Therefore, Banco Pine's EV-to-FCF for today is 4.64.
The historical rank and industry rank for Banco Pine's EV-to-FCF or its related term are showing as below:
BSP:PINE3'
s EV-to-FCF Range Over the Past 10 Years
Min: -88.92 Med: -1.55 Max: 283.09
Current: 4.66
During the past 13 years, the highest EV-to-FCF of Banco Pine was 283.09. The lowest was -88.92. And the median was -1.55.
BSP:PINE3's EV-to-FCF is ranked better than 58.8% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs BSP:PINE3: 4.66
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.
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.
Banco Pine's share price for today is R$11.99.
Banco Pine'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$2.190.
* 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.
Banco Pine EV-to-FCF Related Terms
Banco Pine EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Banco Pine'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.
For the Banks - Regional subindustry, Banco Pine'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.
Banco Pine EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Banco Pine's EV-to-FCF falls into.
Banco Pine's current Enterprise Value is R$10,397 Mil.
Banco Pine'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$2,241 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.
Banco Pine (BSP:PINE3) has a EV-to-FCF of 4.64 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Banco Pine and its competitors. According to the industry distribution chart, Banco Pine ranks #494 out of 1199 companies in the Banks industry, placing it in the top 41.2%.
Is Banco Pine's EV-to-FCF too high?
Banco Pine's current EV-to-FCF is 4.64. The Banks industry median EV-to-FCF is 6.57. Banco Pine's value of 4.64 is 29.4% below this industry median. Based on the distribution chart, Banco Pine ranks #494 out of 1199 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Pine has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #494 out of 1199 companies for EV-to-FCF. This puts Banco Pine in the upper half of its industry. The industry median EV-to-FCF is 6.57. Banco Pine's value of 4.64 is 29.4% 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 6.57, based on 1,199 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. Banco Pine's current EV-to-FCF of 4.64 is 29.4% 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 Banco Pine and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current EV-to-FCF is 4.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pine stock overvalued right now?
Based on GuruFocus' analysis, Banco Pine (BSP:PINE3) is currently considered Fairly Valued. The stock's GF Value™ is R$12.69, compared to a current price of R$11.99 — trading 5.5% below its estimated fair value. The current EV-to-FCF is 4.64 and 29.4% below the Banks industry median of 6.57. Banco Pine's overall GF Score™ is 70/100 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 Banco Pine (BSP:PINE3), the current EV-to-FCF is 4.64 as of Jul. 14, 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 Banco Pine (BSP:PINE3) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued.
The current stock price of R$11.99 is trading 5.5% below its estimated GF Value™ of R$12.69.
GuruFocus considers Banco Pine to be Fairly Valued.
Key valuation signals for BSP:PINE3:
EV-to-FCF: 4.64
GF Value™: R$12.69 vs. price of R$11.99 (5.5% below fair value)
Industry Position: 29.4% below the Banks median (#494 of 1199)
No single metric tells the full story. See the BSP:PINE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pine SA is a banking company. It operates commercial, credit and financing and foreign exchange portfolios. The company's operations are conducted in the context of a group of institutions which act jointly, and certain transactions involve the co-participation or intermediation of member companies of the Pine financial conglomerate. The benefits from the intercompany services and the costs for the operating and administrative structures are absorbed, either jointly or individually, by these companies as is practicable and reasonable in the circumstances.
70GF Score
Get the complete analysis for BSP:PINE3
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:PINE3 has been successfully added to your 
