National Finance CoOGMUS:NFCI 21 EV-to-FCF is 46.96 as of Jul. 11, 2026, which is 199% above its 10-year median of 15.70. GuruFocus rates MUS:NFCI with a GF Score™ of 21/100 and a GF Value™ of ر.ع0.15 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 264 Credit Services companies, National Finance CoOG ranks worse than 75.76% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, National Finance CoOG's Enterprise Value is ر.ع545.97 Mil.
National Finance CoOG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was ر.ع11.63 Mil. Therefore, National Finance CoOG's EV-to-FCF for today is 46.96.
The historical rank and industry rank for National Finance CoOG's EV-to-FCF or its related term are showing as below:
MUS:NFCI'
s EV-to-FCF Range Over the Past 10 Years
Min: -144.32 Med: 15.7 Max: 294.75
Current: 46.85
During the past 13 years, the highest EV-to-FCF of National Finance CoOG was 294.75. The lowest was -144.32. And the median was 15.70.
MUS:NFCI's EV-to-FCF is ranked worse than 75.76% of 264
companies
in the Credit Services industry
Industry Median: 13.28
vs MUS:NFCI: 46.85
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.
National Finance CoOG (MUS:NFCI) 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.
National Finance CoOG's PE Ratio (TTM) for today is calculated as:
National Finance CoOG's share price for today is ر.ع0.214.
National Finance CoOG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ر.ع0.021.
* 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.
* 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, National Finance CoOG'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.
National Finance CoOG EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, National Finance CoOG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where National Finance CoOG's EV-to-FCF falls into.
National Finance CoOG's current Enterprise Value is ر.ع545.97 Mil.
National Finance CoOG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ر.ع11.63 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.
National Finance CoOG (MUS:NFCI) has a EV-to-FCF of 46.96 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on National Finance CoOG and its competitors. This is 199% above median its historical median of 15.70. According to the industry distribution chart, National Finance CoOG ranks #200 out of 264 companies in the Credit Services industry, placing it in the top 75.8%.
Is National Finance CoOG's EV-to-FCF too high?
National Finance CoOG's current EV-to-FCF of 46.96 is 199% above median its 10-year median of 15.70. The Credit Services industry median EV-to-FCF is 13.28. National Finance CoOG's value of 46.96 is 253.6% above this industry median. Based on the distribution chart, National Finance CoOG ranks #200 out of 264 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, National Finance CoOG has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Finance CoOG's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, National Finance CoOG ranks #200 out of 264 companies for EV-to-FCF. This places National Finance CoOG in the lower half of its industry. The industry median EV-to-FCF is 13.28. National Finance CoOG's value of 46.96 is 253.6% above this benchmark. While the company's 10-year median is 15.70 vs. the industry median of 13.28, National Finance CoOG 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 Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.28, based on 264 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. National Finance CoOG's current EV-to-FCF of 46.96 is 253.6% 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 National Finance CoOG and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Finance CoOG's current EV-to-FCF is 46.96, which is 199% above median its own 10-year median of 15.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Finance CoOG stock overvalued right now?
Based on GuruFocus' analysis, National Finance CoOG (MUS:NFCI) is currently considered Significantly Overvalued. The stock's GF Value™ is ر.ع0.15, compared to a current price of ر.ع0.21 — trading 42.7% above its estimated fair value. The current EV-to-FCF is 46.96, which is 199% above median its 10-year median of 15.70 and 253.6% above the Credit Services industry median of 13.28. National Finance CoOG's overall GF Score™ is 21/100 with 1 warning sign 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 National Finance CoOG (MUS:NFCI), the current EV-to-FCF is 46.96 as of Jul. 11, 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 National Finance CoOG (MUS:NFCI) Overvalued in 2026?
Based on GuruFocus' analysis, National Finance CoOG stock appears to be overvalued.
The current stock price of ر.ع0.21 is trading 42.7% above its estimated GF Value™ of ر.ع0.15.
GuruFocus considers National Finance CoOG to be Significantly Overvalued.
Key valuation signals for MUS:NFCI:
EV-to-FCF: 46.96 (199% above median its 10-year median of 15.70)
GF Value™: ر.ع0.15 vs. price of ر.ع0.21 (42.7% above fair value)
Industry Position: 253.6% above the Credit Services median (#200 of 264)
No single metric tells the full story. See the MUS:NFCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Finance Co SAOG is a financial institution. The company is engaged in the leasing business. It offers a wide range of financial products to corporate and retail customers with a key focus on Small and Medium Enterprises. The company offers vehicle finance, consumer durables finance, special schemes, equipment finance, corporate deposits, and factoring services. Thec company has three segments: Retail, SME, and Corporate.
21GF Score
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