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Erste Bank PolskaLTS:0DVR 80 EV-to-FCF is 3.67 as of Aug. 20, 2026, which is 29% below its 10-year median of 5.19. GuruFocus rates LTS:0DVR with a GF Score™ of 80/100 and a GF Value™ of zł322.49 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,181 Banks companies, Erste Bank Polska ranks better than 64.44% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Erste Bank Polska's Enterprise Value is zł68,174 Mil.
Erste Bank Polska's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was zł18,573 Mil. Therefore, Erste Bank Polska's EV-to-FCF for today is 3.67.
The historical rank and industry rank for Erste Bank Polska's EV-to-FCF or its related term are showing as below:
LTS:0DVR'
s EV-to-FCF Range Over the Past 10 Years
Min: -126.84 Med: 5.19 Max: 78.25
Current: 3.71
During the past 13 years, the highest EV-to-FCF of Erste Bank Polska was 78.25. The lowest was -126.84. And the median was 5.19.
LTS:0DVR's EV-to-FCF is ranked better than 64.44% of 1181
companies
in the Banks industry
Industry Median: 7.08
vs LTS:0DVR: 3.71
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.
Erste Bank Polska (LTS:0DVR) 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.
Erste Bank Polska's PE Ratio (TTM) for today is calculated as:
Erste Bank Polska's share price for today is zł395.55.
Erste Bank Polska's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł58.010.
* 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.
Erste Bank Polska EV-to-FCF Related Terms
Erste Bank Polska EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Erste Bank Polska'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, Erste Bank Polska'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.
Erste Bank Polska EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska's EV-to-FCF falls into.
Erste Bank Polska's current Enterprise Value is zł68,174 Mil.
Erste Bank Polska's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł18,573 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.
Erste Bank Polska (LTS:0DVR) has a EV-to-FCF of 3.67 as of Aug. 20, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Erste Bank Polska and its competitors. This is 29% below median its historical median of 5.19. According to the industry distribution chart, Erste Bank Polska ranks #420 out of 1181 companies in the Banks industry, placing it in the top 35.6%.
Is Erste Bank Polska's EV-to-FCF too high?
Erste Bank Polska's current EV-to-FCF of 3.67 is 29% below median its 10-year median of 5.19. The Banks industry median EV-to-FCF is 7.08. Erste Bank Polska's value of 3.67 is 48.2% below this industry median. Based on the distribution chart, Erste Bank Polska ranks #420 out of 1181 companies in the Banks industry, which is above the industry midpoint. Overall, Erste Bank Polska has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's EV-to-FCF compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #420 out of 1181 companies for EV-to-FCF. This puts Erste Bank Polska in the upper half of its industry. The industry median EV-to-FCF is 7.08. Erste Bank Polska's value of 3.67 is 48.2% below this benchmark. While the company's 10-year median is 5.19 vs. the industry median of 7.08, Erste Bank Polska 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 7.08, based on 1,181 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. Erste Bank Polska's current EV-to-FCF of 3.67 is 48.2% 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 Erste Bank Polska and its competitors. For the Banks industry, the median EV-to-FCF is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Bank Polska's current EV-to-FCF is 3.67, which is 29% below median its own 10-year median of 5.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (LTS:0DVR) is currently considered Modestly Overvalued. The stock's GF Value™ is zł322.49, compared to a current price of zł395.55 — trading 22.7% above its estimated fair value. The current EV-to-FCF is 3.67, which is 29% below median its 10-year median of 5.19 and 48.2% below the Banks industry median of 7.08. Erste Bank Polska's overall GF Score™ is 80/100 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 Erste Bank Polska (LTS:0DVR), the current EV-to-FCF is 3.67 as of Aug. 20, 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 22.7% above its estimated GF Value™ of zł322.49.
GuruFocus considers Erste Bank Polska to be Modestly Overvalued.
Key valuation signals for LTS:0DVR:
EV-to-FCF: 3.67 (29% below median its 10-year median of 5.19)
GF Value™: zł322.49 vs. price of zł395.55 (22.7% above fair value)
Industry Position: 48.2% below the Banks median (#420 of 1181)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
80GF Score
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