I&M Group (NAI:IMH) EV-to-FCF: (As of Jul. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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NAI:IMH I&M Group PLC NAI:IMH
81 GF Score
Price KES69.00
GF Value KES38.76
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is I&M Group EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, I&M Group's Enterprise Value is KES42,256 Mil. I&M Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was KES0 Mil. Therefore, I&M Group's EV-to-FCF for today is .

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

NAI:IMH' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 2.27
Current: 2.27

During the past 13 years, the highest EV-to-FCF of I&M Group was 2.27. The lowest was 0.00. And the median was 0.00.

NAI:IMH's EV-to-FCF is ranked better than
69.47% of 1199 companies
in the Banks industry
Industry Median: 6.57 vs NAI:IMH: 2.27

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 (2026-07-14), I&M Group's stock price is KES69.00. I&M Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was KES11.340. Therefore, I&M Group's PE Ratio (TTM) for today is 6.08.


I&M Group  (NAI:IMH) 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.

I&M Group's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=69.00/11.340
=6.08

I&M Group's share price for today is KES69.00.
I&M 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 KES11.340.

* 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.


I&M Group EV-to-FCF Related Terms


I&M Group EV-to-FCF Historical Data

* Premium members only.

The historical data trend for I&M 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.

I&M Group EV-to-FCF Chart

I&M 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 -1.87 1.24 0.28 -18.30 3.83

I&M 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 3.83 0.00

I&M Group EV-to-FCF Competitor Comparison

For the Banks - Regional subindustry, I&M 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.


I&M Group EV-to-FCF vs Banks Industry

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

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


NAI:IMH
81GF Score
I&M Group PLC NAI:IMH
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

I&M Group EV-to-FCF Calculation

I&M Group's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=42255.586/0
=

I&M Group's current Enterprise Value is KES42,256 Mil.
I&M 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 I&M Group (NAI:IMH) Overvalued in 2026?

Based on GuruFocus' analysis, I&M Group stock appears to be overvalued. The current stock price of KES69.00 is trading 78% above its estimated GF Value™ of KES38.76. GuruFocus considers I&M Group to be Significantly Overvalued.

Key valuation signals for NAI:IMH:

  • EV-to-FCF:
  • GF Value™: KES38.76 vs. price of KES69.00 (78% above fair value)
  • GF Score™: 81/100 with 4 warning signs

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


I&M Group Business Description

Address 1 Park Avenue, 1st Parklands Avenue, P.O. Box 30238, Nairobi, KEN, 00100
I&M Group PLC is a non-operating holding company, along with its subsidiaries, providing banking, financial, and related services. The group operations are divided into five geographical segments: Kenya, Tanzania, Rwanda, Mauritius, and Uganda. It offers a range of personal banking products, such as bank accounts, cards, mobile banking, Internet banking, investment management services, loans, foreign exchange, and funds transfer. Business banking products include business accounts, loans, e-commerce, salary processing, trade services, interest rates, foreign exchange, insurance premium financing, funds transfer, asset finance, and cash management services.
81GF Score

Get the complete analysis for NAI:IMH

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

KES69.00
Price
KES38.76
GF Value