Manx Financial GroupFRA:3IM +1.37%47 EV-to-FCF is 18.21 as of Jul. 01, 2026, which is 1685% above its 10-year median of 1.02. GuruFocus rates FRA:3IM with a GF Score™ of 47/100 and a GF Value™ of €0.26 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,196 Banks companies, Manx Financial Group ranks worse than 78.43% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Manx Financial Group's Enterprise Value is €75.63 Mil.
Manx Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €4.15 Mil. Therefore, Manx Financial Group's EV-to-FCF for today is 18.21.
The historical rank and industry rank for Manx Financial Group's EV-to-FCF or its related term are showing as below:
FRA:3IM'
s EV-to-FCF Range Over the Past 10 Years
Min: -10.11 Med: 1.02 Max: 120.03
Current: 16.08
During the past 13 years, the highest EV-to-FCF of Manx Financial Group was 120.03. The lowest was -10.11. And the median was 1.02.
FRA:3IM's EV-to-FCF is ranked worse than 78.43% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs FRA:3IM: 16.08
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.
Manx Financial Group (FRA:3IM) 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.
Manx Financial Group's PE Ratio (TTM) for today is calculated as:
Manx Financial Group's share price for today is €0.296.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Manx Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.050.
* 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.
Manx Financial Group EV-to-FCF Related Terms
Manx Financial Group EV-to-FCF Historical Data
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The historical data trend for Manx Financial Group'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, Manx Financial Group'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.
Manx Financial Group EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Manx Financial Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Manx Financial Group's EV-to-FCF falls into.
Manx Financial Group's current Enterprise Value is €75.63 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Manx Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €4.15 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.
Manx Financial Group (FRA:3IM) has a EV-to-FCF of 18.21 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Manx Financial Group and its competitors. This is 1685% above median its historical median of 1.02. According to the industry distribution chart, Manx Financial Group ranks #938 out of 1196 companies in the Banks industry, placing it in the top 78.4%.
Is Manx Financial Group's EV-to-FCF too high?
Manx Financial Group's current EV-to-FCF of 18.21 is 1685% above median its 10-year median of 1.02. The Banks industry median EV-to-FCF is 6.55. Manx Financial Group's value of 18.21 is 178.2% above this industry median. Based on the distribution chart, Manx Financial Group ranks #938 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Manx Financial Group has a GF Score™ of 47/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Manx Financial Group's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Manx Financial Group ranks #938 out of 1196 companies for EV-to-FCF. This places Manx Financial Group in the lower half of its industry. The industry median EV-to-FCF is 6.55. Manx Financial Group's value of 18.21 is 178.2% above this benchmark. While the company's 10-year median is 1.02 vs. the industry median of 6.55, Manx Financial Group 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 6.55, based on 1,196 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. Manx Financial Group's current EV-to-FCF of 18.21 is 178.2% 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 Manx Financial Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Manx Financial Group's current EV-to-FCF is 18.21, which is 1685% above median its own 10-year median of 1.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Manx Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Manx Financial Group (FRA:3IM) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.26, compared to a current price of €0.30 — trading 13.8% above its estimated fair value. The current EV-to-FCF is 18.21, which is 1685% above median its 10-year median of 1.02 and 178.2% above the Banks industry median of 6.55. Manx Financial Group's overall GF Score™ is 47/100 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 Manx Financial Group (FRA:3IM), the current EV-to-FCF is 18.21 as of Jul. 01, 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 Manx Financial Group (FRA:3IM) Overvalued in 2026?
Based on GuruFocus' analysis, Manx Financial Group stock appears to be overvalued.
The current stock price of €0.30 is trading 13.8% above its estimated GF Value™ of €0.26.
GuruFocus considers Manx Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:3IM:
EV-to-FCF: 18.21 (1685% above median its 10-year median of 1.02)
GF Value™: €0.26 vs. price of €0.30 (13.8% above fair value)
Industry Position: 178.2% above the Banks median (#938 of 1196)
No single metric tells the full story. See the FRA:3IM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Manx Financial Group PLC is a banking company. The group along with its subsidiaries offers retail and commercial banking services, payment solutions, wealth management, general insurance, and life insurance. It operates in three product orientated segments along with investing activities: Asset and Personal Finance (including provision of HP contracts, finance leases, personal loans, commercial loans, block discounting, vehicle stocking plans and wholesale funding agreements); Edgewater Associates Limited (provision of financial advice); and MFX Limited (provision of foreign currency transaction services). The Group currently operates in one geographic segment comprising of the Isle of Man, and UK region.
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