CrediaBankFRA:BCA0 -3.67%32 EV-to-FCF is -19.45 as of Jul. 09, 2026. GuruFocus rates FRA:BCA0 with a GF Score™ of 32/100. The stock has 2 warning signs investors should review. Among 1,191 Banks companies, CrediaBank ranks worse than 83962.97% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, CrediaBank's Enterprise Value is €1,907.2 Mil.
CrediaBank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €-98.1 Mil. Therefore, CrediaBank's EV-to-FCF for today is -19.45.
The historical rank and industry rank for CrediaBank's EV-to-FCF or its related term are showing as below:
FRA:BCA0'
s EV-to-FCF Range Over the Past 10 Years
Min: -35060.46 Med: -0.17 Max: 6.19
Current: -20.87
During the past 13 years, the highest EV-to-FCF of CrediaBank was 6.19. The lowest was -35060.46. And the median was -0.17.
FRA:BCA0's EV-to-FCF is ranked worse than 100% of 1191
companies
in the Banks industry
Industry Median: 6.57
vs FRA:BCA0: -20.87
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.
CrediaBank's share price for today is €1.05.
CrediaBank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which 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.
CrediaBank EV-to-FCF Related Terms
CrediaBank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for CrediaBank'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, CrediaBank'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.
CrediaBank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, CrediaBank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where CrediaBank's EV-to-FCF falls into.
CrediaBank's current Enterprise Value is €1,907.2 Mil.
CrediaBank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-98.1 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.
CrediaBank (FRA:BCA0) has a EV-to-FCF of -19.45 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CrediaBank and its competitors. According to the industry distribution chart, CrediaBank ranks #999999 out of 1191 companies in the Banks industry.
Is CrediaBank's EV-to-FCF too high?
CrediaBank's current EV-to-FCF is -19.45. Based on the distribution chart, CrediaBank ranks #999999 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CrediaBank has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does CrediaBank's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, CrediaBank ranks #999999 out of 1191 companies for EV-to-FCF. This places CrediaBank in the lower half of its industry. 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 1,191 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 CrediaBank 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. CrediaBank's current EV-to-FCF is -19.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CrediaBank stock overvalued right now?
CrediaBank (FRA:BCA0) has a current EV-to-FCF of -19.45. The current EV-to-FCF is -19.45. CrediaBank's overall GF Score™ is 32/100 with 2 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 CrediaBank (FRA:BCA0), the current EV-to-FCF is -19.45 as of Jul. 09, 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.
CrediaBank SA is engaged in providing banking and financial services to individuals and businesses in Greece. The Bank offers a range of financial products, including loans, deposits, treasury services, investment products, and related banking services. The Bank operates through four main segments: Retail Banking, which provides financing and deposit services to individuals, freelancers, and small businesses; Corporate Banking, which offers financing solutions to medium and large enterprises including factoring and leasing services; Capital Management and Treasury, which manages the group's cash reserves, securities, and intermediary services in mutual funds and investment products; and Structured Financing, which includes structured financing and shipping banking activities.
32GF Score
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