HarmoneyFRA:6DR -2.97%38 EV-to-FCF is 29.75 as of Jul. 05, 2026, which is 5% above its 10-year median of 28.29. GuruFocus rates FRA:6DR with a GF Score™ of 38/100 and a GF Value™ of €0.30. The stock has 5 warning signs investors should review. Among 263 Credit Services companies, Harmoney ranks worse than 65.78% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Harmoney's Enterprise Value is €535.28 Mil.
Harmoney's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €17.99 Mil. Therefore, Harmoney's EV-to-FCF for today is 29.75.
The historical rank and industry rank for Harmoney's EV-to-FCF or its related term are showing as below:
FRA:6DR'
s EV-to-FCF Range Over the Past 10 Years
Min: -477.6 Med: 28.29 Max: 39.48
Current: 27.81
During the past 5 years, the highest EV-to-FCF of Harmoney was 39.48. The lowest was -477.60. And the median was 28.29.
FRA:6DR's EV-to-FCF is ranked worse than 65.78% of 263
companies
in the Credit Services industry
Industry Median: 13.6
vs FRA:6DR: 27.81
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.
Harmoney's share price for today is €0.392.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harmoney's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.053.
* 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.
Harmoney EV-to-FCF Related Terms
Harmoney EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Harmoney'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 Credit Services subindustry, Harmoney'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.
Harmoney EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Harmoney's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Harmoney's EV-to-FCF falls into.
Harmoney's current Enterprise Value is €535.28 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Harmoney's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €17.99 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.
Harmoney (FRA:6DR) has a EV-to-FCF of 29.75 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Harmoney and its competitors. This is near median its historical median of 28.29. According to the industry distribution chart, Harmoney ranks #173 out of 263 companies in the Credit Services industry, placing it in the top 65.8%.
Is Harmoney's EV-to-FCF too high?
Harmoney's current EV-to-FCF of 29.75 is near median its 10-year median of 28.29. The Credit Services industry median EV-to-FCF is 13.60. Harmoney's value of 29.75 is 118.8% above this industry median. Based on the distribution chart, Harmoney ranks #173 out of 263 companies in the Credit Services industry, which is below the industry midpoint. Overall, Harmoney has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does Harmoney's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Harmoney ranks #173 out of 263 companies for EV-to-FCF. This places Harmoney in the lower half of its industry. The industry median EV-to-FCF is 13.60. Harmoney's value of 29.75 is 118.8% above this benchmark. While the company's 10-year median is 28.29 vs. the industry median of 13.60, Harmoney 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 Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.60, based on 263 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. Harmoney's current EV-to-FCF of 29.75 is 118.8% 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 Harmoney and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harmoney's current EV-to-FCF is 29.75, which is near median its own 10-year median of 28.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harmoney stock overvalued right now?
Harmoney (FRA:6DR) has a current EV-to-FCF of 29.75. The stock's GF Value™ is €0.30, compared to a current price of €0.39 — trading 30.7% above its estimated fair value. The current EV-to-FCF is 29.75, which is near median its 10-year median of 28.29 and 118.8% above the Credit Services industry median of 13.60. Harmoney's overall GF Score™ is 38/100 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 Harmoney (FRA:6DR), the current EV-to-FCF is 29.75 as of Jul. 05, 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 Harmoney (FRA:6DR) Overvalued in 2026?
Based on GuruFocus' analysis, Harmoney stock appears to be overvalued.
The current stock price of €0.39 is trading 30.7% above its estimated GF Value™ of €0.30.
Key valuation signals for FRA:6DR:
EV-to-FCF: 29.75 (near median its 10-year median of 28.29)
GF Value™: €0.30 vs. price of €0.39 (30.7% above fair value)
Industry Position: 118.8% above the Credit Services median (#173 of 263)
No single metric tells the full story. See the FRA:6DR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Harmoney Corp Ltd operates in the consumer credit industry. It provides customers with secured and unsecured personal loans that are easy to access, competitively priced using risk-adjusted interest rates, and accessed completely online. Geographically, the group generates maximum revenue from its business in Australia, and the rest from New Zealand.
38GF Score
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