EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PensionBee Group's Enterprise Value is €316.75 Mil.
PensionBee Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-2.45 Mil. Therefore, PensionBee Group's EV-to-FCF for today is -129.07.
The historical rank and industry rank for PensionBee Group's EV-to-FCF or its related term are showing as below:
FRA:6HD'
s EV-to-FCF Range Over the Past 10 Years
Min: -170.5 Med: -11.37 Max: 98.05
Current: -128.59
During the past 8 years, the highest EV-to-FCF of PensionBee Group was 98.05. The lowest was -170.50. And the median was -11.37.
FRA:6HD's EV-to-FCF is ranked worse than 100% of 448
companies
in the Capital Markets industry
Industry Median: 9.26
vs FRA:6HD: -128.59
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.
PensionBee Group's PE Ratio (TTM) for today is calculated as:
PensionBee Group's share price for today is €1.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. PensionBee Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.014.
* 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.
PensionBee Group EV-to-FCF Related Terms
PensionBee Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for PensionBee Group'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 Capital Markets subindustry, PensionBee Group'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.
PensionBee Group EV-to-FCF vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, PensionBee Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PensionBee Group's EV-to-FCF falls into.
PensionBee Group's current Enterprise Value is €316.75 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. PensionBee Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-2.45 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.
PensionBee Group (FRA:6HD) has a EV-to-FCF of -129.07 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PensionBee Group and its competitors. According to the industry distribution chart, PensionBee Group ranks #999999 out of 448 companies in the Capital Markets industry.
Is PensionBee Group's EV-to-FCF too high?
PensionBee Group's current EV-to-FCF is -129.07. Based on the distribution chart, PensionBee Group ranks #999999 out of 448 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, PensionBee Group has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does PensionBee Group's EV-to-FCF compare to MS and GS?
According to the Capital Markets industry distribution chart, PensionBee Group ranks #999999 out of 448 companies for EV-to-FCF. This places PensionBee Group in the lower half of its industry. The industry median EV-to-FCF is 9.26. 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 Capital Markets company?
The median EV-to-FCF among Capital Markets companies is 9.26, based on 448 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 PensionBee Group and its competitors. For the Capital Markets industry, the median EV-to-FCF is 9.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PensionBee Group's current EV-to-FCF is -129.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PensionBee Group stock overvalued right now?
PensionBee Group (FRA:6HD) has a current EV-to-FCF of -129.07. The stock's GF Value™ is €2.48, compared to a current price of €1.50 — trading 39.5% below its estimated fair value. The current EV-to-FCF is -129.07. PensionBee Group's overall GF Score™ is 79/100. 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 PensionBee Group (FRA:6HD), the current EV-to-FCF is -129.07 as of Jul. 04, 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 PensionBee Group (FRA:6HD) Overvalued in 2026?
Based on GuruFocus' analysis, PensionBee Group stock appears to be undervalued.
The current stock price of €1.50 is trading 39.5% below its estimated GF Value™ of €2.48.
Key valuation signals for FRA:6HD:
EV-to-FCF: -129.07
GF Value™: €2.48 vs. price of €1.50 (39.5% below fair value)
No single metric tells the full story. See the FRA:6HD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PensionBee Group PLC is engaged in the provision of direct-to-consumer online pensions. The company helps its customers combine their old pension pots, make flexible contributions, invest in line with their goals and values, and make withdrawals after attaining a certain age. It offers a range of investment plans, including fossil fuel-free and impact investing options, from various asset managers. The firm generates a vast majority of its revenue in the form of fees it charges for fund administration. These fees are earned for administering the customer pension schemes and are charged based on a fixed percentage of the value of a customer's assets held by the pension scheme. Geographically, it generates the majority of its revenue from the United Kingdom.
79GF 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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