Generalfinance SpAFRA:VG30 +1.08%75 EV-to-FCF is 21.62 as of Jun. 30, 2026, which is 69% above its 10-year median of 12.80. GuruFocus rates FRA:VG30 with a GF Score™ of 75/100 and a GF Value™ of €15.96 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 265 Credit Services companies, Generalfinance SpA ranks worse than 62.64% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Generalfinance SpA's Enterprise Value is €783.4 Mil.
Generalfinance SpA's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €36.2 Mil. Therefore, Generalfinance SpA's EV-to-FCF for today is 21.62.
The historical rank and industry rank for Generalfinance SpA's EV-to-FCF or its related term are showing as below:
FRA:VG30'
s EV-to-FCF Range Over the Past 10 Years
Min: -1814.86 Med: 12.8 Max: 81.56
Current: 21.62
During the past 8 years, the highest EV-to-FCF of Generalfinance SpA was 81.56. The lowest was -1814.86. And the median was 12.80.
FRA:VG30's EV-to-FCF is ranked worse than 62.64% of 265
companies
in the Credit Services industry
Industry Median: 12.99
vs FRA:VG30: 21.62
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.
Generalfinance SpA's PE Ratio (TTM) for today is calculated as:
Generalfinance SpA's share price for today is €28.10.
Generalfinance SpA'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 €2.263.
* 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.
Generalfinance SpA EV-to-FCF Related Terms
Generalfinance SpA EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Generalfinance SpA'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, Generalfinance SpA'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.
Generalfinance SpA EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Generalfinance SpA's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Generalfinance SpA's EV-to-FCF falls into.
Generalfinance SpA's current Enterprise Value is €783.4 Mil.
Generalfinance SpA'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 €36.2 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.
Generalfinance SpA (FRA:VG30) has a EV-to-FCF of 21.62 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Generalfinance SpA and its competitors. This is 69% above median its historical median of 12.80. According to the industry distribution chart, Generalfinance SpA ranks #166 out of 265 companies in the Credit Services industry, placing it in the top 62.6%.
Is Generalfinance SpA's EV-to-FCF too high?
Generalfinance SpA's current EV-to-FCF of 21.62 is 69% above median its 10-year median of 12.80. The Credit Services industry median EV-to-FCF is 12.99. Generalfinance SpA's value of 21.62 is 66.4% above this industry median. Based on the distribution chart, Generalfinance SpA ranks #166 out of 265 companies in the Credit Services industry, which is below the industry midpoint. Overall, Generalfinance SpA has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generalfinance SpA's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Generalfinance SpA ranks #166 out of 265 companies for EV-to-FCF. This places Generalfinance SpA in the lower half of its industry. The industry median EV-to-FCF is 12.99. Generalfinance SpA's value of 21.62 is 66.4% above this benchmark. While the company's 10-year median is 12.80 vs. the industry median of 12.99, Generalfinance SpA 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 12.99, based on 265 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. Generalfinance SpA's current EV-to-FCF of 21.62 is 66.4% 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 Generalfinance SpA and its competitors. For the Credit Services industry, the median EV-to-FCF is 12.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generalfinance SpA's current EV-to-FCF is 21.62, which is 69% above median its own 10-year median of 12.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generalfinance SpA stock overvalued right now?
Based on GuruFocus' analysis, Generalfinance SpA (FRA:VG30) is currently considered Significantly Overvalued. The stock's GF Value™ is €15.96, compared to a current price of €28.10 — trading 76.1% above its estimated fair value. The current EV-to-FCF is 21.62, which is 69% above median its 10-year median of 12.80 and 66.4% above the Credit Services industry median of 12.99. Generalfinance SpA's overall GF Score™ is 75/100 with 9 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 Generalfinance SpA (FRA:VG30), the current EV-to-FCF is 21.62 as of Jun. 30, 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 Generalfinance SpA (FRA:VG30) Overvalued in 2026?
Based on GuruFocus' analysis, Generalfinance SpA stock appears to be overvalued.
The current stock price of €28.10 is trading 76.1% above its estimated GF Value™ of €15.96.
GuruFocus considers Generalfinance SpA to be Significantly Overvalued.
Key valuation signals for FRA:VG30:
EV-to-FCF: 21.62 (69% above median its 10-year median of 12.80)
GF Value™: €15.96 vs. price of €28.10 (76.1% above fair value)
Industry Position: 66.4% above the Credit Services median (#166 of 265)
No single metric tells the full story. See the FRA:VG30 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Generalfinance SpA operates is engaged in providing factoring services to small and medium-sized companies in financial difficulty. The group offers customized financing solutions to meet the needs of companies operating in the manufacturing, wholesale business, transportation, and construction.
75GF Score
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