APS BankMAL:APS 21 EV-to-FCF is -0.04 as of Jun. 30, 2026. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,196 Banks companies, APS Bank ranks better than 84.78% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, APS Bank's Enterprise Value is €-3.67 Mil.
APS Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €100.05 Mil. Therefore, APS Bank's EV-to-FCF for today is -0.04.
The historical rank and industry rank for APS Bank's EV-to-FCF or its related term are showing as below:
MAL:APS'
s EV-to-FCF Range Over the Past 10 Years
Min: -119.08 Med: -0.97 Max: 0.7
Current: -0.04
During the past 5 years, the highest EV-to-FCF of APS Bank was 0.70. The lowest was -119.08. And the median was -0.97.
MAL:APS's EV-to-FCF is ranked better than 84.78% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs MAL:APS: -0.04
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.
APS Bank's share price for today is €0.57.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. APS Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.041.
* 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.
APS Bank EV-to-FCF Related Terms
APS Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for APS Bank'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, APS Bank'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.
APS Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where APS Bank's EV-to-FCF falls into.
APS Bank's current Enterprise Value is €-3.67 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. APS Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €100.05 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.
APS Bank (MAL:APS) has a EV-to-FCF of -0.04 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on APS Bank and its competitors. According to the industry distribution chart, APS Bank ranks #182 out of 1196 companies in the Banks industry, placing it in the top 15.2%.
Is APS Bank's EV-to-FCF too high?
APS Bank's current EV-to-FCF is -0.04. Based on the distribution chart, APS Bank ranks #182 out of 1196 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #182 out of 1196 companies for EV-to-FCF. This places APS Bank in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.55. 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 6.55, based on 1,196 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 APS Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. APS Bank's current EV-to-FCF is -0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 6.6% below its estimated fair value. The current EV-to-FCF is -0.04. APS Bank's overall GF Score™ is 21/100 with 7 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 APS Bank (MAL:APS), the current EV-to-FCF is -0.04 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.57 is trading 6.6% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
EV-to-FCF: -0.04
GF Value™: €0.61 vs. price of €0.57 (6.6% below fair value)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF Score
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