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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Banco Nacional de Credito CA's Enterprise Value is VES215,911 Mil.
Banco Nacional de Credito CA's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was VES39,388 Mil. Therefore, Banco Nacional de Credito CA's EV-to-FCF for today is 5.48.
The historical rank and industry rank for Banco Nacional de Credito CA's EV-to-FCF or its related term are showing as below:
CAR:BNC'
s EV-to-FCF Range Over the Past 10 Years
Min: -214.15 Med: 3.02 Max: 1541.9
Current: 5.48
During the past 13 years, the highest EV-to-FCF of Banco Nacional de Credito CA was 1541.90. The lowest was -214.15. And the median was 3.02.
CAR:BNC's EV-to-FCF is ranked better than 53.92% of 1198
companies
in the Banks industry
Industry Median: 6.68
vs CAR:BNC: 5.48
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 Nacional de Credito CA (CAR:BNC) 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.
Banco Nacional de Credito CA's PE Ratio (TTM) for today is calculated as:
Banco Nacional de Credito CA's share price for today is VES435.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Banco Nacional de Credito CA's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was VES26.730.
* 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 Nacional de Credito CA EV-to-FCF Related Terms
Banco Nacional de Credito CA EV-to-FCF Historical Data
* 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 Nacional de Credito CA'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 Nacional de Credito CA EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Banco Nacional de Credito CA's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Banco Nacional de Credito CA's EV-to-FCF falls into.
Banco Nacional de Credito CA's current Enterprise Value is VES215,911 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Banco Nacional de Credito CA's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was VES39,388 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 Nacional de Credito CA (CAR:BNC) has a EV-to-FCF of 5.48 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Banco Nacional de Credito CA and its competitors. This is 81% above median its historical median of 3.02. According to the industry distribution chart, Banco Nacional de Credito CA ranks #552 out of 1198 companies in the Banks industry, placing it in the top 46.1%.
Is Banco Nacional de Credito CA's EV-to-FCF too high?
Banco Nacional de Credito CA's current EV-to-FCF of 5.48 is 81% above median its 10-year median of 3.02. The Banks industry median EV-to-FCF is 6.68. Banco Nacional de Credito CA's value of 5.48 is 18% below this industry median. Based on the distribution chart, Banco Nacional de Credito CA ranks #552 out of 1198 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Nacional de Credito CA has a GF Score™ of 92/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Nacional de Credito CA's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Banco Nacional de Credito CA ranks #552 out of 1198 companies for EV-to-FCF. This puts Banco Nacional de Credito CA in the upper half of its industry. The industry median EV-to-FCF is 6.68. Banco Nacional de Credito CA's value of 5.48 is 18% below this benchmark. While the company's 10-year median is 3.02 vs. the industry median of 6.68, Banco Nacional de Credito CA 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.68, based on 1,198 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 Nacional de Credito CA's current EV-to-FCF of 5.48 is 18% 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 Nacional de Credito CA and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Nacional de Credito CA's current EV-to-FCF is 5.48, which is 81% above median its own 10-year median of 3.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Nacional de Credito CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Nacional de Credito CA (CAR:BNC) is currently considered Significantly Overvalued. The stock's GF Value™ is VES232.09, compared to a current price of VES435.00 — trading 87.4% above its estimated fair value. The current EV-to-FCF is 5.48, which is 81% above median its 10-year median of 3.02 and 18% below the Banks industry median of 6.68. Banco Nacional de Credito CA's overall GF Score™ is 92/100 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 Nacional de Credito CA (CAR:BNC), the current EV-to-FCF is 5.48 as of Jul. 21, 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 Nacional de Credito CA (CAR:BNC) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Nacional de Credito CA stock appears to be overvalued.
The current stock price of VES435.00 is trading 87.4% above its estimated GF Value™ of VES232.09.
GuruFocus considers Banco Nacional de Credito CA to be Significantly Overvalued.
Key valuation signals for CAR:BNC:
EV-to-FCF: 5.48 (81% above median its 10-year median of 3.02)
GF Value™: VES232.09 vs. price of VES435.00 (87.4% above fair value)
Industry Position: 18% below the Banks median (#552 of 1198)
No single metric tells the full story. See the CAR:BNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressFrancisco de Miranda Avenue between Los Cortijos Avenue, BNC Tower, Campo Alegre Urbanization, Chacao Municipality, Capital District, Caracas, VEN
Banco Nacional de Credito CA operates as a commercial bank in Venezuela. The group's business objective is to provide financial intermediation which consists of the procurement of funds for the purpose of granting credits and it also invests in securities.
92GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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