Bank of Qingdao Co (FRA:4BQ) EV-to-FCF: 3.31 (As of Sep. 17, 2026) — 299% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:4BQ Bank of Qingdao Co Ltd FRA:4BQ
68 GF Score
Price €0.55
GF Value €0.46
! 5 Warning Signs
View Full Analysis

What is Bank of Qingdao Co EV-to-FCF?

Bank of Qingdao Co FRA:4BQ -0.91% 68 EV-to-FCF is 3.31 as of Sep. 17, 2026, which is 299% above its 10-year median of 0.83. GuruFocus rates FRA:4BQ with a GF Score™ of 68/100 and a GF Value™ of €0.46. The stock has 5 warning signs investors should review. Among 1,179 Banks companies, Bank of Qingdao Co ranks worse than 76.93% on this metric.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Bank of Qingdao Co's Enterprise Value is €11,198 Mil. Bank of Qingdao Co's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was €3,382 Mil. Therefore, Bank of Qingdao Co's EV-to-FCF for today is 3.31.

The historical rank and industry rank for Bank of Qingdao Co's EV-to-FCF or its related term are showing as below:

FRA:4BQ' s EV-to-FCF Range Over the Past 10 Years
Min: -24.71   Med: 0.83   Max: 24.42
Current: 3.36

During the past 13 years, the highest EV-to-FCF of Bank of Qingdao Co was 24.42. The lowest was -24.71. And the median was 0.83.

FRA:4BQ's EV-to-FCF is ranked worse than
76.93% of 1179 companies
in the Banks industry
Industry Median: 7.33 vs FRA:4BQ: 3.36

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.

As of today (2026-09-17), Bank of Qingdao Co's stock price is €0.545. Bank of Qingdao Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was €0.122. Therefore, Bank of Qingdao Co's PE Ratio (TTM) for today is 4.47.


Bank of Qingdao Co  (FRA:4BQ) 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.

Bank of Qingdao Co's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=0.545/0.122
=4.47

Bank of Qingdao Co's share price for today is €0.545.
Bank of Qingdao Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.122.

* 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.


Bank of Qingdao Co EV-to-FCF Related Terms


Bank of Qingdao Co EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Bank of Qingdao Co'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.

Bank of Qingdao Co EV-to-FCF Chart

Bank of Qingdao Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 22.27 11.59 19.22 17.48 32.37

Bank of Qingdao Co Quarterly Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 49.60 17.17 10.74 33.31 48.18

Bank of Qingdao Co EV-to-FCF Competitor Comparison

For the Banks - Regional subindustry, Bank of Qingdao Co'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.


Bank of Qingdao Co EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Qingdao Co's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Bank of Qingdao Co's EV-to-FCF falls into.


FRA:4BQ
68GF Score
Bank of Qingdao Co Ltd FRA:4BQ
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank of Qingdao Co EV-to-FCF Calculation

Bank of Qingdao Co's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=11198.486/3381.788
=3.31

Bank of Qingdao Co's current Enterprise Value is €11,198 Mil.
Bank of Qingdao Co's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3,382 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.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of 3.31 mean?
Bank of Qingdao Co (FRA:4BQ) has a EV-to-FCF of 3.31 as of Sep. 17, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bank of Qingdao Co and its competitors. This is 299% above median its historical median of 0.83. According to the industry distribution chart, Bank of Qingdao Co ranks #907 out of 1179 companies in the Banks industry, placing it in the top 76.9%.
Is Bank of Qingdao Co's EV-to-FCF too high?
Bank of Qingdao Co's current EV-to-FCF of 3.31 is 299% above median its 10-year median of 0.83. The Banks industry median EV-to-FCF is 7.33. Bank of Qingdao Co's value of 3.31 is 54.8% below this industry median. Based on the distribution chart, Bank of Qingdao Co ranks #907 out of 1179 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of Qingdao Co has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Qingdao Co's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Bank of Qingdao Co ranks #907 out of 1179 companies for EV-to-FCF. This places Bank of Qingdao Co in the lower half of its industry. The industry median EV-to-FCF is 7.33. Bank of Qingdao Co's value of 3.31 is 54.8% below this benchmark. While the company's 10-year median is 0.83 vs. the industry median of 7.33, Bank of Qingdao Co 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 Banks company?
The median EV-to-FCF among Banks companies is 7.33, based on 1,179 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. Bank of Qingdao Co's current EV-to-FCF of 3.31 is 54.8% 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 Bank of Qingdao Co and its competitors. For the Banks industry, the median EV-to-FCF is 7.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Qingdao Co's current EV-to-FCF is 3.31, which is 299% above median its own 10-year median of 0.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Qingdao Co stock overvalued right now?
Bank of Qingdao Co (FRA:4BQ) has a current EV-to-FCF of 3.31. The stock's GF Value™ is €0.46, compared to a current price of €0.55 — trading 18.5% above its estimated fair value. The current EV-to-FCF is 3.31, which is 299% above median its 10-year median of 0.83 and 54.8% below the Banks industry median of 7.33. Bank of Qingdao Co's overall GF Score™ is 68/100 with 5 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 Bank of Qingdao Co (FRA:4BQ), the current EV-to-FCF is 3.31 as of Sep. 17, 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 Bank of Qingdao Co (FRA:4BQ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Qingdao Co stock appears to be overvalued. The current stock price of €0.55 is trading 18.5% above its estimated GF Value™ of €0.46.

Key valuation signals for FRA:4BQ:

  • EV-to-FCF: 3.31 (299% above median its 10-year median of 0.83)
  • GF Value™: €0.46 vs. price of €0.55 (18.5% above fair value)
  • GF Score™: 68/100 with 5 warning signs
  • Industry Position: 54.8% below the Banks median (#907 of 1179)

No single metric tells the full story. See the FRA:4BQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank of Qingdao Co Business Description

Other Exchanges 03866:Hong Kong002948:China
Address No. 6 Qinling Road, Building 3, Laoshan District, Shandong Province, Qingdao, CHN, 266061
Bank of Qingdao Co Ltd is engaged in the banking business. Its main segments include corporate banking, retail banking, and financial market business. The corporate banking segment offers financial products and services to corporations, government agencies, and financial institutions. The retail banking segments comprise personal loans and deposit services, whereas the financial market business covers inter-bank money market transactions, repurchases transactions, investments in debt securities, and non-standardised debt investments, and others. It generates the majority of its revenue from the corporate business segment.
68GF Score

Get the complete analysis for FRA:4BQ

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.55
Price
€0.46
GF Value