Halyk Bank of Kazakhstan JSC (LSE:HSBK) EV-to-FCF: 1.40 (As of Jul. 08, 2026) — Near Median


LSE:HSBK Halyk Bank of Kazakhstan JSC LSE:HSBK
81 GF Score
Price $31.00
GF Value $26.43
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Halyk Bank of Kazakhstan JSC EV-to-FCF?

Halyk Bank of Kazakhstan JSC LSE:HSBK +0.81% 81 EV-to-FCF is 1.40 as of Jul. 08, 2026, which is 3% below its 10-year median of 1.45. GuruFocus rates LSE:HSBK with a GF Score™ of 81/100 and a GF Value™ of $26.43 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,192 Banks companies, Halyk Bank of Kazakhstan JSC ranks better than 59.73% on this metric.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Halyk Bank of Kazakhstan JSC's Enterprise Value is $2,427 Mil. Halyk Bank of Kazakhstan JSC's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $1,736 Mil. Therefore, Halyk Bank of Kazakhstan JSC's EV-to-FCF for today is 1.40.

The historical rank and industry rank for Halyk Bank of Kazakhstan JSC's EV-to-FCF or its related term are showing as below:

LSE:HSBK' s EV-to-FCF Range Over the Past 10 Years
Min: -480.41   Med: 1.45   Max: 65.11
Current: 4.38

During the past 13 years, the highest EV-to-FCF of Halyk Bank of Kazakhstan JSC was 65.11. The lowest was -480.41. And the median was 1.45.

LSE:HSBK's EV-to-FCF is ranked better than
59.73% of 1192 companies
in the Banks industry
Industry Median: 6.61 vs LSE:HSBK: 4.38

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.

As of today (2026-07-08), Halyk Bank of Kazakhstan JSC's stock price is $31.00. Halyk Bank of Kazakhstan JSC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $7.313. Therefore, Halyk Bank of Kazakhstan JSC's PE Ratio (TTM) for today is 4.24.


Halyk Bank of Kazakhstan JSC  (LSE:HSBK) 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.

Halyk Bank of Kazakhstan JSC's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=31.00/7.313
=4.24

Halyk Bank of Kazakhstan JSC's share price for today is $31.00.
Halyk Bank of Kazakhstan JSC'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 $7.313.

* 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.


Halyk Bank of Kazakhstan JSC EV-to-FCF Related Terms


Halyk Bank of Kazakhstan JSC EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Halyk Bank of Kazakhstan JSC'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.

Halyk Bank of Kazakhstan JSC EV-to-FCF Chart

Halyk Bank of Kazakhstan JSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.33 0.47 -2.84 8.20 6.02

Halyk Bank of Kazakhstan JSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.44 4.04 48.81 6.02 4.69

LSE:HSBK vs PNC, USB: EV-to-FCF Comparison

For the Banks - Regional subindustry, Halyk Bank of Kazakhstan JSC'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.


Halyk Bank of Kazakhstan JSC EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Halyk Bank of Kazakhstan JSC's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Halyk Bank of Kazakhstan JSC's EV-to-FCF falls into.


LSE:HSBK
81GF Score
Halyk Bank of Kazakhstan JSC LSE:HSBK
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Halyk Bank of Kazakhstan JSC EV-to-FCF Calculation

Halyk Bank of Kazakhstan JSC's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=2426.802/1735.504
=1.40

Halyk Bank of Kazakhstan JSC's current Enterprise Value is $2,427 Mil.
Halyk Bank of Kazakhstan JSC'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 $1,736 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.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of 1.40 mean?
Halyk Bank of Kazakhstan JSC (LSE:HSBK) has a EV-to-FCF of 1.40 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Halyk Bank of Kazakhstan JSC and its competitors. This is near median its historical median of 1.45. According to the industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #480 out of 1192 companies in the Banks industry, placing it in the top 40.3%.
Is Halyk Bank of Kazakhstan JSC's EV-to-FCF too high?
Halyk Bank of Kazakhstan JSC's current EV-to-FCF of 1.40 is near median its 10-year median of 1.45. The Banks industry median EV-to-FCF is 6.61. Halyk Bank of Kazakhstan JSC's value of 1.40 is 78.8% below this industry median. Based on the distribution chart, Halyk Bank of Kazakhstan JSC ranks #480 out of 1192 companies in the Banks industry, which is above the industry midpoint. Overall, Halyk Bank of Kazakhstan JSC has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Halyk Bank of Kazakhstan JSC's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Halyk Bank of Kazakhstan JSC ranks #480 out of 1192 companies for EV-to-FCF. This puts Halyk Bank of Kazakhstan JSC in the upper half of its industry. The industry median EV-to-FCF is 6.61. Halyk Bank of Kazakhstan JSC's value of 1.40 is 78.8% below this benchmark. While the company's 10-year median is 1.45 vs. the industry median of 6.61, Halyk Bank of Kazakhstan JSC 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 Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,192 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. Halyk Bank of Kazakhstan JSC's current EV-to-FCF of 1.40 is 78.8% 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 Halyk Bank of Kazakhstan JSC and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Halyk Bank of Kazakhstan JSC's current EV-to-FCF is 1.40, which is near median its own 10-year median of 1.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Halyk Bank of Kazakhstan JSC stock overvalued right now?
Based on GuruFocus' analysis, Halyk Bank of Kazakhstan JSC (LSE:HSBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.43, compared to a current price of $31.00 — trading 17.3% above its estimated fair value. The current EV-to-FCF is 1.40, which is near median its 10-year median of 1.45 and 78.8% below the Banks industry median of 6.61. Halyk Bank of Kazakhstan JSC's overall GF Score™ is 81/100 with 4 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK), the current EV-to-FCF is 1.40 as of Jul. 08, 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 Halyk Bank of Kazakhstan JSC (LSE:HSBK) Overvalued in 2026?

Based on GuruFocus' analysis, Halyk Bank of Kazakhstan JSC stock appears to be overvalued. The current stock price of $31.00 is trading 17.3% above its estimated GF Value™ of $26.43. GuruFocus considers Halyk Bank of Kazakhstan JSC to be Modestly Overvalued.

Key valuation signals for LSE:HSBK:

  • EV-to-FCF: 1.40 (near median its 10-year median of 1.45)
  • GF Value™: $26.43 vs. price of $31.00 (17.3% above fair value)
  • GF Score™: 81/100 with 4 warning signs
  • Industry Position: 78.8% below the Banks median (#480 of 1192)

No single metric tells the full story. See the LSE:HSBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Halyk Bank of Kazakhstan JSC Business Description

Address 40, Al-Farabi Avenue, Almaty, KAZ, A26M3K5
Halyk Bank of Kazakhstan JSC is engaged in retail, corporate, and SME banking services. It also provides insurance, cash collection, asset management, brokerage, telecommunication, and leasing services. The group has four main business segments: Corporate Banking, SME Banking, Retail Banking, and Investment Banking. The majority of revenue derives from the corporate banking segment, which includes banking services to corporate clients and financial institutions, including current accounts and correspondent accounts, deposits, custody, overdrafts, loans and other credit facilities, documentary operations, including guarantees and letters of credit, trade finance products, as well as cash services and foreign exchange transactions.
81GF Score

Get the complete analysis for LSE:HSBK

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.00
Price
$26.43
GF Value