EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, VP Bank AG's Enterprise Value is €-1,438.4 Mil.
VP Bank AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €579.3 Mil. Therefore, VP Bank AG's EV-to-FCF for today is -2.48.
The historical rank and industry rank for VP Bank AG's EV-to-FCF or its related term are showing as below:
FRA:3VFN'
s EV-to-FCF Range Over the Past 10 Years
Min: -25.68 Med: -0.72 Max: 37.9
Current: -2.42
During the past 13 years, the highest EV-to-FCF of VP Bank AG was 37.90. The lowest was -25.68. And the median was -0.72.
FRA:3VFN's EV-to-FCF is ranked better than 93.3% of 1194
companies
in the Banks industry
Industry Median: 6.655
vs FRA:3VFN: -2.42
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.
VP Bank AG's share price for today is €95.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. VP Bank AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €8.023.
* 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.
VP Bank AG EV-to-FCF Related Terms
VP Bank AG EV-to-FCF Historical Data
* Premium members only.
The historical data trend for VP Bank AG'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 - Diversified subindustry, VP Bank AG'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.
VP Bank AG EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, VP Bank AG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where VP Bank AG's EV-to-FCF falls into.
VP Bank AG's current Enterprise Value is €-1,438.4 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. VP Bank AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €579.3 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.
VP Bank AG (FRA:3VFN) has a EV-to-FCF of -2.48 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on VP Bank AG and its competitors. According to the industry distribution chart, VP Bank AG ranks #80 out of 1194 companies in the Banks industry, placing it in the top 6.7%.
Is VP Bank AG's EV-to-FCF too high?
VP Bank AG's current EV-to-FCF is -2.48. Based on the distribution chart, VP Bank AG ranks #80 out of 1194 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, VP Bank AG has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does VP Bank AG's EV-to-FCF compare to JPM and BAC?
According to the Banks industry distribution chart, VP Bank AG ranks #80 out of 1194 companies for EV-to-FCF. This places VP Bank AG in the top 7% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.66. 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 6.66, based on 1,194 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. 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 VP Bank AG and its competitors. For the Banks industry, the median EV-to-FCF is 6.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VP Bank AG's current EV-to-FCF is -2.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VP Bank AG stock overvalued right now?
Based on GuruFocus' analysis, VP Bank AG (FRA:3VFN) is currently considered Fairly Valued. The stock's GF Value™ is €87.54, compared to a current price of €95.50 — trading 9.1% above its estimated fair value. The current EV-to-FCF is -2.48. VP Bank AG's overall GF Score™ is 63/100 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 VP Bank AG (FRA:3VFN), the current EV-to-FCF is -2.48 as of Jul. 02, 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 VP Bank AG (FRA:3VFN) Overvalued in 2026?
Based on GuruFocus' analysis, VP Bank AG stock appears to be overvalued.
The current stock price of €95.50 is trading 9.1% above its estimated GF Value™ of €87.54.
GuruFocus considers VP Bank AG to be Fairly Valued.
Key valuation signals for FRA:3VFN:
EV-to-FCF: -2.48
GF Value™: €87.54 vs. price of €95.50 (9.1% above fair value)
No single metric tells the full story. See the FRA:3VFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VP Bank AG is a private bank. It is in the business of asset management and investment advisory services for private individuals and intermediaries and is also involved in the lending business, money market, and interbank activities and trading activities. The segments in which the company operates are Liechtenstein & BVI, International, Asset Servicing, and Corporate Center. Its geographical segments are Liechtenstein, the Rest of Europe, and Other countries, of which Liechtenstein derives maximum revenue.
63GF 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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