First National Financial (FRA:63Z) EV-to-FCF: 136.58 (As of Jun. 28, 2026)


FRA:63Z First National Financial Corp FRA:63Z
19 GF Score
Price €29.20
GF Value €36.34
! 5 Warning Signs
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What is First National Financial EV-to-FCF?

First National Financial FRA:63Z 19 EV-to-FCF is 136.58 as of Jun. 28, 2026. GuruFocus rates FRA:63Z with a GF Score™ of 19/100 and a GF Value™ of €36.34. The stock has 5 warning signs investors should review.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, First National Financial's Enterprise Value is €32,592.3 Mil. First National Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 was €238.6 Mil. Therefore, First National Financial's EV-to-FCF for today is 136.58.

The historical rank and industry rank for First National Financial's EV-to-FCF or its related term are showing as below:

FRA:63Z' s EV-to-FCF Range Over the Past 10 Years
Min: -8925.82   Med: -55.26   Max: 260
Current: 113.74

During the past 13 years, the highest EV-to-FCF of First National Financial was 260.00. The lowest was -8925.82. And the median was -55.26.

FRA:63Z's EV-to-FCF is not ranked
in the Banks industry.
Industry Median: 6.555 vs FRA:63Z: 113.74

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 (2026-06-28), First National Financial's stock price is €29.20. First National Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2025 was €1.605. Therefore, First National Financial's PE Ratio (TTM) for today is 18.19.


First National Financial  (FRA:63Z) 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.

First National Financial's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=29.20/1.605
=18.19

First National Financial's share price for today is €29.20.
First National Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was €1.605.

* 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.


First National Financial EV-to-FCF Related Terms


First National Financial EV-to-FCF Historical Data

* Premium members only.

The historical data trend for First National Financial'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.

First National Financial EV-to-FCF Chart

First National Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -151.43 -91.03 81.90 -392.06 -62.38

First National Financial Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
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 71.40 -62.38 -65.15 175.90 113.73

FRA:63Z vs RKT, FNMA, FMCC: EV-to-FCF Comparison

For the Mortgage Finance subindustry, First National Financial'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.


First National Financial EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, First National Financial's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where First National Financial's EV-to-FCF falls into.


FRA:63Z
19GF Score
First National Financial Corp FRA:63Z
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
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First National Financial EV-to-FCF Calculation

First National Financial's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=32592.299/238.635
=136.58

First National Financial's current Enterprise Value is €32,592.3 Mil.
First National Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was €238.6 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 136.58 mean?
First National Financial (FRA:63Z) has a EV-to-FCF of 136.58 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on First National Financial and its competitors.
Is First National Financial's EV-to-FCF too high?
First National Financial's current EV-to-FCF is 136.58. The Banks industry median EV-to-FCF is 6.56. First National Financial's value of 136.58 is 1983.6% above this industry median. Overall, First National Financial has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does First National Financial's EV-to-FCF compare to RKT and FNMA?
First National Financial's EV-to-FCF of 136.58 can be compared against companies in the Banks industry. The industry median EV-to-FCF is 6.56. First National Financial's value of 136.58 is 1983.6% 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 Banks company?
The median EV-to-FCF among Banks companies is 6.56, 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. First National Financial's current EV-to-FCF of 136.58 is 1983.6% 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 First National Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First National Financial's current EV-to-FCF is 136.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National Financial stock overvalued right now?
First National Financial (FRA:63Z) has a current EV-to-FCF of 136.58. The stock's GF Value™ is €36.34, compared to a current price of €29.20 — trading 19.6% below its estimated fair value. The current EV-to-FCF is 136.58 and 1983.6% above the Banks industry median of 6.56. First National Financial's overall GF Score™ is 19/100 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 First National Financial (FRA:63Z), the current EV-to-FCF is 136.58 as of Jun. 28, 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 First National Financial (FRA:63Z) Overvalued in 2026?

Based on GuruFocus' analysis, First National Financial stock appears to be undervalued. The current stock price of €29.20 is trading 19.6% below its estimated GF Value™ of €36.34.

Key valuation signals for FRA:63Z:

  • EV-to-FCF: 136.58
  • GF Value™: €36.34 vs. price of €29.20 (19.6% below fair value)
  • GF Score™: 19/100 with 5 warning signs
  • Industry Position: 1983.6% above the Banks median

No single metric tells the full story. See the FRA:63Z stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First National Financial Business Description

Address 16 York Street, Suite 1900, Toronto, ON, CAN, M5J 0E6
First National Financial Corp is a Canadian originator, underwriter and servicer of predominantly prime residential and commercial mortgages. The Company operates in two business segments, Residential and Commercial. These segments are organized by mortgage type and contain revenue and expenses related to origination, underwriting, securitization and servicing activities. It derives maximum revenue from Residential segment.
19GF Score

Get the complete analysis for FRA:63Z

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

€29.20
Price
€36.34
GF Value