MandatumMANDF -7.17%34 EV-to-FCF is 6.14 as of Jun. 25, 2026, which is 45% below its 10-year median of 11.22. GuruFocus rates MANDF with a GF Score™ of 34/100 and a GF Value™ of $5.85 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 149 Diversified Financial Services companies, Mandatum ranks worse than 57.72% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Mandatum's Enterprise Value is $2,723 Mil.
Mandatum's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $444 Mil. Therefore, Mandatum's EV-to-FCF for today is 6.14.
The historical rank and industry rank for Mandatum's EV-to-FCF or its related term are showing as below:
MANDF'
s EV-to-FCF Range Over the Past 10 Years
Min: -31.14 Med: 11.22 Max: 197.71
Current: 6.15
During the past 5 years, the highest EV-to-FCF of Mandatum was 197.71. The lowest was -31.14. And the median was 11.22.
MANDF's EV-to-FCF is ranked worse than 57.72% of 149
companies
in the Diversified Financial Services industry
Industry Median: 3.6
vs MANDF: 6.15
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.
Mandatum's share price for today is $7.6582.
Mandatum'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 $0.221.
* 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.
Mandatum EV-to-FCF Related Terms
Mandatum EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Mandatum'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 Financial Conglomerates subindustry, Mandatum'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.
Mandatum EV-to-FCF vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Mandatum's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Mandatum's EV-to-FCF falls into.
Mandatum's current Enterprise Value is $2,723 Mil.
Mandatum'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 $444 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.
Mandatum (MANDF) has a EV-to-FCF of 6.14 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mandatum and its competitors. This is 45% below median its historical median of 11.22. According to the industry distribution chart, Mandatum ranks #86 out of 149 companies in the Diversified Financial Services industry, placing it in the top 57.7%.
Is Mandatum's EV-to-FCF too high?
Mandatum's current EV-to-FCF of 6.14 is 45% below median its 10-year median of 11.22. The Diversified Financial Services industry median EV-to-FCF is 3.60. Mandatum's value of 6.14 is 70.6% above this industry median. Based on the distribution chart, Mandatum ranks #86 out of 149 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, Mandatum has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mandatum's EV-to-FCF compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, Mandatum ranks #86 out of 149 companies for EV-to-FCF. This places Mandatum in the lower half of its industry. The industry median EV-to-FCF is 3.60. Mandatum's value of 6.14 is 70.6% above this benchmark. While the company's 10-year median is 11.22 vs. the industry median of 3.60, Mandatum 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 Diversified Financial Services company?
The median EV-to-FCF among Diversified Financial Services companies is 3.60, based on 149 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. Mandatum's current EV-to-FCF of 6.14 is 70.6% 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 Mandatum and its competitors. For the Diversified Financial Services industry, the median EV-to-FCF is 3.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mandatum's current EV-to-FCF is 6.14, which is 45% below median its own 10-year median of 11.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mandatum stock overvalued right now?
Based on GuruFocus' analysis, Mandatum (MANDF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.85, compared to a current price of $7.66 — trading 30.9% above its estimated fair value. The current EV-to-FCF is 6.14, which is 45% below median its 10-year median of 11.22 and 70.6% above the Diversified Financial Services industry median of 3.60. Mandatum's overall GF Score™ is 34/100 with 3 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 Mandatum (MANDF), the current EV-to-FCF is 6.14 as of Jun. 25, 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 Mandatum (MANDF) Overvalued in 2026?
Based on GuruFocus' analysis, Mandatum stock appears to be overvalued.
The current stock price of $7.66 is trading 30.9% above its estimated GF Value™ of $5.85.
GuruFocus considers Mandatum to be Significantly Overvalued.
Key valuation signals for MANDF:
EV-to-FCF: 6.14 (45% below median its 10-year median of 11.22)
GF Value™: $5.85 vs. price of $7.66 (30.9% above fair value)
Industry Position: 70.6% above the Diversified Financial Services median (#86 of 149)
No single metric tells the full story. See the MANDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mandatum PLC is a financial services provider that combines expertise in wealth management and life insurance. It offers clients a wide array of services covering asset and wealth management, savings and investment, compensation and rewards as well as pension plans and personal risk insurance. The reportable segments are: Institutional & wealth management, Corporate clients, Retail clients and With-profit business.
34GF Score
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