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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, United Finance's Enterprise Value is BDT2,427 Mil.
United Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was BDT79 Mil. Therefore, United Finance's EV-to-FCF for today is 30.80.
The historical rank and industry rank for United Finance's EV-to-FCF or its related term are showing as below:
DHA:UNITEDFIN'
s EV-to-FCF Range Over the Past 10 Years
Min: -47.32 Med: -1.58 Max: 32.84
Current: 30.33
During the past 13 years, the highest EV-to-FCF of United Finance was 32.84. The lowest was -47.32. And the median was -1.58.
DHA:UNITEDFIN's EV-to-FCF is ranked worse than 67.42% of 264
companies
in the Credit Services industry
Industry Median: 13.455
vs DHA:UNITEDFIN: 30.33
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.
United Finance (DHA:UNITEDFIN) 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.
United Finance's PE Ratio (TTM) for today is calculated as:
United Finance's share price for today is BDT16.30.
United 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 BDT1.060.
* 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.
United Finance EV-to-FCF Related Terms
United Finance EV-to-FCF Historical Data
* Premium members only.
The historical data trend for United 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, United 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.
United Finance EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Finance's EV-to-FCF falls into.
United Finance's current Enterprise Value is BDT2,427 Mil.
United 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 BDT79 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.
United Finance (DHA:UNITEDFIN) has a EV-to-FCF of 30.80 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Finance and its competitors. According to the industry distribution chart, United Finance ranks #178 out of 264 companies in the Credit Services industry, placing it in the top 67.4%.
Is United Finance's EV-to-FCF too high?
United Finance's current EV-to-FCF is 30.80. The Credit Services industry median EV-to-FCF is 13.46. United Finance's value of 30.80 is 128.9% above this industry median. Based on the distribution chart, United Finance ranks #178 out of 264 companies in the Credit Services industry, which is below the industry midpoint. Overall, United Finance has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Finance's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, United Finance ranks #178 out of 264 companies for EV-to-FCF. This places United Finance in the lower half of its industry. The industry median EV-to-FCF is 13.46. United Finance's value of 30.80 is 128.9% above 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 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. United Finance's current EV-to-FCF of 30.80 is 128.9% 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 United 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. United Finance's current EV-to-FCF is 30.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Finance stock overvalued right now?
Based on GuruFocus' analysis, United Finance (DHA:UNITEDFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT12.93, compared to a current price of BDT16.30 — trading 26.1% above its estimated fair value. The current EV-to-FCF is 30.80 and 128.9% above the Credit Services industry median of 13.46. United Finance's overall GF Score™ is 64/100 with 8 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 United Finance (DHA:UNITEDFIN), the current EV-to-FCF is 30.80 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 United Finance (DHA:UNITEDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, United Finance stock appears to be overvalued.
The current stock price of BDT16.30 is trading 26.1% above its estimated GF Value™ of BDT12.93.
GuruFocus considers United Finance to be Modestly Overvalued.
Key valuation signals for DHA:UNITEDFIN:
EV-to-FCF: 30.80
GF Value™: BDT12.93 vs. price of BDT16.30 (26.1% above fair value)
Industry Position: 128.9% above the Credit Services median (#178 of 264)
No single metric tells the full story. See the DHA:UNITEDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Finance PLC is a financial services company. The company provides financial services which includes lease finance for acquiring assets for industrial and commercial use; term loans for meeting long-term funding requirements; short-term working capital solutions and home loans. The company provides services like Deposits, Working Capital and Term Financing. It is engaged in five segments: Corporates, SMEs, Retail Borrowers, Depositors, and Investors.
64GF Score
Get the complete analysis for DHA:UNITEDFIN
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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