Avarda Bank ABCHIX:AVARDS 76 EV-to-FCF is 27.11 as of Jun. 26, 2026, which is 976% above its 10-year median of 2.52. GuruFocus rates CHIX:AVARDS with a GF Score™ of 76/100 and a GF Value™ of kr135.51 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,195 Banks companies, Avarda Bank AB ranks worse than 88.12% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Avarda Bank AB's Enterprise Value is kr12,083 Mil.
Avarda Bank AB's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was kr446 Mil. Therefore, Avarda Bank AB's EV-to-FCF for today is 27.11.
The historical rank and industry rank for Avarda Bank AB's EV-to-FCF or its related term are showing as below:
CHIX:AVARDs'
s EV-to-FCF Range Over the Past 10 Years
Min: -56.45 Med: 2.52 Max: 28.24
Current: 27.54
During the past 13 years, the highest EV-to-FCF of Avarda Bank AB was 28.24. The lowest was -56.45. And the median was 2.52.
CHIX:AVARDs's EV-to-FCF is ranked worse than 88.12% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs CHIX:AVARDs: 27.54
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.
Avarda Bank AB (CHIX:AVARDs) 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.
Avarda Bank AB's PE Ratio (TTM) for today is calculated as:
Avarda Bank AB's share price for today is kr177.40.
Avarda Bank AB'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 kr10.940.
* 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.
Avarda Bank AB EV-to-FCF Related Terms
Avarda Bank AB EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Avarda Bank AB'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, Avarda Bank AB'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.
Avarda Bank AB EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Avarda Bank AB's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Avarda Bank AB's EV-to-FCF falls into.
Avarda Bank AB's current Enterprise Value is kr12,083 Mil.
Avarda Bank AB'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 kr446 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.
Avarda Bank AB (CHIX:AVARDS) has a EV-to-FCF of 27.11 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Avarda Bank AB and its competitors. This is 976% above median its historical median of 2.52. According to the industry distribution chart, Avarda Bank AB ranks #1053 out of 1195 companies in the Banks industry, placing it in the top 88.1%.
Is Avarda Bank AB's EV-to-FCF too high?
Avarda Bank AB's current EV-to-FCF of 27.11 is 976% above median its 10-year median of 2.52. The Banks industry median EV-to-FCF is 6.52. Avarda Bank AB's value of 27.11 is 315.8% above this industry median. Based on the distribution chart, Avarda Bank AB ranks #1053 out of 1195 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Avarda Bank AB has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Avarda Bank AB's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Avarda Bank AB ranks #1053 out of 1195 companies for EV-to-FCF. This places Avarda Bank AB in the lower half of its industry. The industry median EV-to-FCF is 6.52. Avarda Bank AB's value of 27.11 is 315.8% above this benchmark. While the company's 10-year median is 2.52 vs. the industry median of 6.52, Avarda Bank AB has consistently been above 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 6.52, based on 1,195 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. Avarda Bank AB's current EV-to-FCF of 27.11 is 315.8% above 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 Avarda Bank AB and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avarda Bank AB's current EV-to-FCF is 27.11, which is 976% above median its own 10-year median of 2.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avarda Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Avarda Bank AB (CHIX:AVARDS) is currently considered Significantly Overvalued. The stock's GF Value™ is kr135.51, compared to a current price of kr177.40 — trading 30.9% above its estimated fair value. The current EV-to-FCF is 27.11, which is 976% above median its 10-year median of 2.52 and 315.8% above the Banks industry median of 6.52. Avarda Bank AB's overall GF Score™ is 76/100 with 3 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 Avarda Bank AB (CHIX:AVARDS), the current EV-to-FCF is 27.11 as of Jun. 26, 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 Avarda Bank AB (CHIX:AVARDS) Overvalued in 2026?
Based on GuruFocus' analysis, Avarda Bank AB stock appears to be overvalued.
The current stock price of kr177.40 is trading 30.9% above its estimated GF Value™ of kr135.51.
GuruFocus considers Avarda Bank AB to be Significantly Overvalued.
Key valuation signals for CHIX:AVARDS:
EV-to-FCF: 27.11 (976% above median its 10-year median of 2.52)
GF Value™: kr135.51 vs. price of kr177.40 (30.9% above fair value)
Industry Position: 315.8% above the Banks median (#1053 of 1195)
No single metric tells the full story. See the CHIX:AVARDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Avarda Bank AB is a credit market company that provides secure, flexible, unified payment solutions for retailers in Europe. Through its white-label model, it enables merchants to own and control the entire customer journey, strengthening brand awareness, increasing conversion and customer lifetime value, and driving loyalty.
76GF Score
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