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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Harbin Bank Co's Enterprise Value is €-3,952 Mil.
Harbin Bank Co's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €6,630 Mil. Therefore, Harbin Bank Co's EV-to-FCF for today is -0.60.
The historical rank and industry rank for Harbin Bank Co's EV-to-FCF or its related term are showing as below:
FRA:5H6'
s EV-to-FCF Range Over the Past 10 Years
Min: -2.99 Med: -0.82 Max: 6.34
Current: -0.58
During the past 13 years, the highest EV-to-FCF of Harbin Bank Co was 6.34. The lowest was -2.99. And the median was -0.82.
FRA:5H6's EV-to-FCF is ranked better than 88.16% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs FRA:5H6: -0.58
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.
Harbin Bank Co's PE Ratio (TTM) for today is calculated as:
Harbin Bank Co's share price for today is €0.034.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harbin Bank Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.006.
* 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.
Harbin Bank Co EV-to-FCF Related Terms
Harbin Bank Co EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Harbin Bank 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.
For the Banks - Regional subindustry, Harbin Bank 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.
Harbin Bank Co EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Harbin Bank Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Harbin Bank Co's EV-to-FCF falls into.
Harbin Bank Co's current Enterprise Value is €-3,952 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harbin Bank Co's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €6,630 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.
Harbin Bank Co (FRA:5H6) has a EV-to-FCF of -0.60 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Harbin Bank Co and its competitors. According to the industry distribution chart, Harbin Bank Co ranks #142 out of 1199 companies in the Banks industry, placing it in the top 11.8%.
Is Harbin Bank Co's EV-to-FCF too high?
Harbin Bank Co's current EV-to-FCF is -0.60. Based on the distribution chart, Harbin Bank Co ranks #142 out of 1199 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Harbin Bank Co has a GF Score™ of 39/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Harbin Bank Co ranks #142 out of 1199 companies for EV-to-FCF. This places Harbin Bank Co in the top 12% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.57. 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 6.57, based on 1,199 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 Harbin Bank Co and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harbin Bank Co's current EV-to-FCF is -0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harbin Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Harbin Bank Co (FRA:5H6) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 13.3% above its estimated fair value. The current EV-to-FCF is -0.60. Harbin Bank Co's overall GF Score™ is 39/100 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 Harbin Bank Co (FRA:5H6), the current EV-to-FCF is -0.60 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 Harbin Bank Co (FRA:5H6) Overvalued in 2026?
Based on GuruFocus' analysis, Harbin Bank Co stock appears to be overvalued.
The current stock price of €0.03 is trading 13.3% above its estimated GF Value™ of €0.03.
GuruFocus considers Harbin Bank Co to be Modestly Overvalued.
Key valuation signals for FRA:5H6:
EV-to-FCF: -0.60
GF Value™: €0.03 vs. price of €0.03 (13.3% above fair value)
No single metric tells the full story. See the FRA:5H6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Harbin Bank Co Ltd provides deposit services, loan services, payment and settlement services and financial leasing services, as well as other financial services approved by the NFRA. Its segments include Corporate financial business, Retail financial business, Interbank financial business, and Other business. The majority of the revenue is derived from Corporate financial business which provides financial products and services to corporate customers, including deposits, loans, settlement and clearing and other products and services relating to the trading business. Its geographical segments include Heilongjiang region, Other regions in Northeastern China, Southwestern China, and Other regions.
39GF Score
Get the complete analysis for FRA:5H6
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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