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IDLC FinanceDHA:IDLC 88 EV-to-FCF is 0.82 as of Jul. 14, 2026, which is 52% below its 10-year median of 1.70. GuruFocus rates DHA:IDLC with a GF Score™ of 88/100 and a GF Value™ of BDT45.61 (Fairly Valued). The stock has 4 warning signs investors should review. Among 264 Credit Services companies, IDLC Finance ranks better than 92.42% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, IDLC Finance's Enterprise Value is BDT22,094 Mil.
IDLC Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was BDT26,996 Mil. Therefore, IDLC Finance's EV-to-FCF for today is 0.82.
The historical rank and industry rank for IDLC Finance's EV-to-FCF or its related term are showing as below:
DHA:IDLC'
s EV-to-FCF Range Over the Past 10 Years
Min: -16.55 Med: 1.7 Max: 77.22
Current: 0.82
During the past 13 years, the highest EV-to-FCF of IDLC Finance was 77.22. The lowest was -16.55. And the median was 1.70.
DHA:IDLC's EV-to-FCF is ranked better than 92.42% of 264
companies
in the Credit Services industry
Industry Median: 13.455
vs DHA:IDLC: 0.82
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.
IDLC Finance's PE Ratio (TTM) for today is calculated as:
IDLC Finance's share price for today is BDT44.30.
IDLC Finance'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 BDT5.569.
* 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.
IDLC Finance EV-to-FCF Related Terms
IDLC Finance EV-to-FCF Historical Data
* Premium members only.
The historical data trend for IDLC Finance'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 Credit Services subindustry, IDLC Finance'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.
IDLC Finance EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IDLC Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where IDLC Finance's EV-to-FCF falls into.
IDLC Finance's current Enterprise Value is BDT22,094 Mil.
IDLC Finance'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 BDT26,996 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.
IDLC Finance (DHA:IDLC) has a EV-to-FCF of 0.82 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on IDLC Finance and its competitors. This is 52% below median its historical median of 1.70. According to the industry distribution chart, IDLC Finance ranks #20 out of 264 companies in the Credit Services industry, placing it in the top 7.6%.
Is IDLC Finance's EV-to-FCF too high?
IDLC Finance's current EV-to-FCF of 0.82 is 52% below median its 10-year median of 1.70. The Credit Services industry median EV-to-FCF is 13.46. IDLC Finance's value of 0.82 is 93.9% below this industry median. Based on the distribution chart, IDLC Finance ranks #20 out of 264 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, IDLC Finance has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, IDLC Finance ranks #20 out of 264 companies for EV-to-FCF. This places IDLC Finance in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.46. IDLC Finance's value of 0.82 is 93.9% below this benchmark. While the company's 10-year median is 1.70 vs. the industry median of 13.46, IDLC Finance 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 Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.46, based on 264 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. IDLC Finance's current EV-to-FCF of 0.82 is 93.9% 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 IDLC Finance and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IDLC Finance's current EV-to-FCF is 0.82, which is 52% below median its own 10-year median of 1.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT45.61, compared to a current price of BDT44.30 — trading 2.9% below its estimated fair value. The current EV-to-FCF is 0.82, which is 52% below median its 10-year median of 1.70 and 93.9% below the Credit Services industry median of 13.46. IDLC Finance's overall GF Score™ is 88/100 with 4 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 IDLC Finance (DHA:IDLC), the current EV-to-FCF is 0.82 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 IDLC Finance (DHA:IDLC) Overvalued in 2026?
Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued.
The current stock price of BDT44.30 is trading 2.9% below its estimated GF Value™ of BDT45.61.
GuruFocus considers IDLC Finance to be Fairly Valued.
Key valuation signals for DHA:IDLC:
EV-to-FCF: 0.82 (52% below median its 10-year median of 1.70)
GF Value™: BDT45.61 vs. price of BDT44.30 (2.9% below fair value)
Industry Position: 93.9% below the Credit Services median (#20 of 264)
No single metric tells the full story. See the DHA:IDLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
88GF Score
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