Jaiz Bank (NSA:JAIZBANK) EV-to-FCF: (As of Aug. 04, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSA:JAIZBANK Jaiz Bank PLC NSA:JAIZBANK
67 GF Score
Price ₦8.65
GF Value ₦4.28
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Jaiz Bank EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Jaiz Bank's Enterprise Value is ₦-146,821 Mil. Jaiz Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₦0 Mil. Therefore, Jaiz Bank's EV-to-FCF for today is .

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

NSA:JAIZBANK' s EV-to-FCF Range Over the Past 10 Years
Min: -29.35   Med: 0.5   Max: 2.88
Current: -0.9

During the past 11 years, the highest EV-to-FCF of Jaiz Bank was 2.88. The lowest was -29.35. And the median was 0.50.

NSA:JAIZBANK's EV-to-FCF is ranked better than
90.14% of 1197 companies
in the Banks industry
Industry Median: 7.25 vs NSA:JAIZBANK: -0.90

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 (2026-08-04), Jaiz Bank's stock price is ₦8.65. Jaiz Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₦0.698. Therefore, Jaiz Bank's PE Ratio (TTM) for today is 12.39.


Jaiz Bank  (NSA:JAIZBANK) 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.

Jaiz Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=8.65/0.698
=12.39

Jaiz Bank's share price for today is ₦8.65.
Jaiz Bank'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 ₦0.698.

* 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.


Jaiz Bank EV-to-FCF Related Terms


Jaiz Bank EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Jaiz 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.

Jaiz Bank EV-to-FCF Chart

Jaiz Bank 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 207.31 -1.18 -0.76 -0.59 -1.30

Jaiz Bank 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 -1.30 0.00

NSA:JAIZBANK vs PNC, USB: EV-to-FCF Comparison

For the Banks - Regional subindustry, Jaiz 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.


Jaiz Bank EV-to-FCF vs Banks Industry

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

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


NSA:JAIZBANK
67GF Score
Jaiz Bank PLC NSA:JAIZBANK
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jaiz Bank EV-to-FCF Calculation

Jaiz Bank's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=-146820.719/0
=

Jaiz Bank's current Enterprise Value is ₦-146,821 Mil.
Jaiz Bank'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 ₦0 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 Jaiz Bank (NSA:JAIZBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Jaiz Bank stock appears to be overvalued. The current stock price of ₦8.65 is trading 102.1% above its estimated GF Value™ of ₦4.28. GuruFocus considers Jaiz Bank to be Significantly Overvalued.

Key valuation signals for NSA:JAIZBANK:

  • EV-to-FCF:
  • GF Value™: ₦4.28 vs. price of ₦8.65 (102.1% above fair value)
  • GF Score™: 67/100 with 3 warning signs

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


Jaiz Bank Business Description

Address J.S. Tarka Street, Plot 1073, Area 3, Garki Abuja, NGA, P.M.B 31
Jaiz Bank PLC is a full-fledged Non-Interest financial institution in Nigeria. The company's reportable segments are divisions include Retail Banking, Commercial Banking, Private Banking, SME Banking, Corporate Banking, and Public sector. The products and services of the company include JAIZ Kids Savings Account, JAIZ Premium Savings Account, Working Capital Finance, Project Financing, and JaizOnline.
67GF Score

Get the complete analysis for NSA:JAIZBANK

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

₦8.65
Price
₦4.28
GF Value