HFCB Group (NAI:HFCK) EV-to-FCF: (As of Jul. 26, 2026)

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NAI:HFCK HFCB Group PLC NAI:HFCK
30 GF Score
Price KES11.80
GF Value KES2.17
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is HFCB Group EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, HFCB Group's Enterprise Value is KES20,265 Mil. HFCB Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was KES0 Mil. Therefore, HFCB Group's EV-to-FCF for today is .

The historical rank and industry rank for HFCB Group's EV-to-FCF or its related term are showing as below:

NAI:HFCK' s EV-to-FCF Range Over the Past 10 Years
Min: -10.4   Med: 0   Max: 0
Current: -10.4

NAI:HFCK's EV-to-FCF is ranked worse than
100% of 1197 companies
in the Banks industry
Industry Median: 6.85 vs NAI:HFCK: -10.40

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 (2026-07-26), HFCB Group's stock price is KES11.80. HFCB Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was KES0.830. Therefore, HFCB Group's PE Ratio (TTM) for today is 14.22.


HFCB Group  (NAI:HFCK) 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.

HFCB Group's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=11.80/0.830
=14.22

HFCB Group's share price for today is KES11.80.
HFCB Group'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 KES0.830.

* 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.


HFCB Group EV-to-FCF Related Terms


HFCB Group EV-to-FCF Historical Data

* Premium members only.

The historical data trend for HFCB Group'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.

HFCB Group EV-to-FCF Chart

HFCB Group 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 -33.83 -15.59 2.42 -3.39 -10.40

HFCB Group 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 0.00 0.00 0.00 -10.40 0.00

NAI:HFCK vs PNC, USB: EV-to-FCF Comparison

For the Banks - Regional subindustry, HFCB Group'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.


HFCB Group EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, HFCB Group's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where HFCB Group's EV-to-FCF falls into.


NAI:HFCK
30GF Score
HFCB Group PLC NAI:HFCK
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

HFCB Group EV-to-FCF Calculation

HFCB Group's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=20265.002/0
=

HFCB Group's current Enterprise Value is KES20,265 Mil.
HFCB Group'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 KES0 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.

Is HFCB Group (NAI:HFCK) Overvalued in 2026?

Based on GuruFocus' analysis, HFCB Group stock appears to be overvalued. The current stock price of KES11.80 is trading 443.8% above its estimated GF Value™ of KES2.17. GuruFocus considers HFCB Group to be Significantly Overvalued.

Key valuation signals for NAI:HFCK:

  • EV-to-FCF:
  • GF Value™: KES2.17 vs. price of KES11.80 (443.8% above fair value)
  • GF Score™: 30/100 with 3 warning signs

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


HFCB Group Business Description

Address Kenyatta Avenue, Koinange Street, Rehani House, Plot No. LR 209/905, P.O. Box 30088, Nairobi, KEN, 00100
HFCB Group PLC is an integrated financial and Property solutions provider. It has diversified from being a mortgage financier to a provider of integrated financial solutions with interests in banking, property, and insurance. Its services are Save & Invest, Borrow, Insure, Move Money & Trade, and Own a Home.
30GF Score

Get the complete analysis for NAI:HFCK

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

KES11.80
Price
KES2.17
GF Value