Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
HKSE:01669'
s EV-to-FCF Range Over the Past 10 Years
Min: -6.52 Med: 2.02 Max: 12.91
Current: 0.72
During the past 13 years, the highest EV-to-FCF of Global International Credit Group was 12.91. The lowest was -6.52. And the median was 2.02.
HKSE:01669's EV-to-FCF is ranked better than 92.51% of 267
companies
in the Credit Services industry
Industry Median: 14.02
vs HKSE:01669: 0.72
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.
Global International Credit Group (HKSE:01669) 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.
Global International Credit Group's PE Ratio (TTM) for today is calculated as:
Global International Credit Group's share price for today is HK$1.505.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Global International Credit Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was HK$0.131.
* 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.
Global International Credit Group EV-to-FCF Related Terms
Global International Credit Group EV-to-FCF Historical Data
* 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, Global International Credit 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.
Global International Credit Group EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Global International Credit Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Global International Credit Group's EV-to-FCF falls into.
Global International Credit Group's current Enterprise Value is HK$201.68 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Global International Credit Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was HK$278.37 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.
Global International Credit Group (HKSE:01669) has a EV-to-FCF of 0.72 as of Aug. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Global International Credit Group and its competitors. This is 64% below median its historical median of 2.02. According to the industry distribution chart, Global International Credit Group ranks #20 out of 267 companies in the Credit Services industry, placing it in the top 7.5%.
Is Global International Credit Group's EV-to-FCF too high?
Global International Credit Group's current EV-to-FCF of 0.72 is 64% below median its 10-year median of 2.02. The Credit Services industry median EV-to-FCF is 14.02. Global International Credit Group's value of 0.72 is 94.9% below this industry median. Based on the distribution chart, Global International Credit Group ranks #20 out of 267 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Global International Credit Group has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Global International Credit Group's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Global International Credit Group ranks #20 out of 267 companies for EV-to-FCF. This places Global International Credit Group in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 14.02. Global International Credit Group's value of 0.72 is 94.9% below this benchmark. While the company's 10-year median is 2.02 vs. the industry median of 14.02, Global International Credit Group has consistently been below 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 14.02, based on 267 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. Global International Credit Group's current EV-to-FCF of 0.72 is 94.9% below 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 Global International Credit Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 14.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Global International Credit Group's current EV-to-FCF is 0.72, which is 64% below median its own 10-year median of 2.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global International Credit Group stock overvalued right now?
Based on GuruFocus' analysis, Global International Credit Group (HKSE:01669) is currently considered Significantly Overvalued. The stock's GF Value™ is HK$0.50, compared to a current price of HK$1.51 — trading 201% above its estimated fair value. The current EV-to-FCF is 0.72, which is 64% below median its 10-year median of 2.02 and 94.9% below the Credit Services industry median of 14.02. Global International Credit Group's overall GF Score™ is 43/100 with 6 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 Global International Credit Group (HKSE:01669), the current EV-to-FCF is 0.72 as of Aug. 13, 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 Global International Credit Group (HKSE:01669) Overvalued in 2026?
Based on GuruFocus' analysis, Global International Credit Group stock appears to be overvalued.
The current stock price of HK$1.51 is trading 201% above its estimated GF Value™ of HK$0.50.
GuruFocus considers Global International Credit Group to be Significantly Overvalued.
Key valuation signals for HKSE:01669:
EV-to-FCF: 0.72 (64% below median its 10-year median of 2.02)
GF Value™: HK$0.50 vs. price of HK$1.51 (201% above fair value)
Industry Position: 94.9% below the Credit Services median (#20 of 267)
No single metric tells the full story. See the HKSE:01669 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Global International Credit Group Ltd is engaged in the money lending business. The company provides short-term and long-term property mortgage loans to customers in Hong Kong. It provides flexible loan solutions, property mortgage loans, and personal loans. The company's revenue is generated from the money lending business of providing property mortgage loans and personal loans in Hong Kong.
43GF Score
Get the complete analysis for HKSE:01669
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HKSE:01669 has been successfully added to your 
