EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, LivingTrust Mortgage Bank's Enterprise Value is ₦7,784 Mil.
LivingTrust Mortgage Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was ₦3,579 Mil. Therefore, LivingTrust Mortgage Bank's EV-to-FCF for today is 2.18.
The historical rank and industry rank for LivingTrust Mortgage Bank's EV-to-FCF or its related term are showing as below:
NSA:LIVINGTRUST'
s EV-to-FCF Range Over the Past 10 Years
Min: -29.36 Med: 3 Max: 44.92
Current: 2.69
During the past 9 years, the highest EV-to-FCF of LivingTrust Mortgage Bank was 44.92. The lowest was -29.36. And the median was 3.00.
NSA:LIVINGTRUST's EV-to-FCF is ranked better than 67.81% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs NSA:LIVINGTRUST: 2.69
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.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) 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.
LivingTrust Mortgage Bank's PE Ratio (TTM) for today is calculated as:
LivingTrust Mortgage Bank's share price for today is ₦3.39.
LivingTrust Mortgage Bank'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 ₦6.520.
* 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.
LivingTrust Mortgage Bank EV-to-FCF Related Terms
LivingTrust Mortgage Bank EV-to-FCF Historical Data
* 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.
NSA:LIVINGTRUST vs RKT, FNMA, PFSI: EV-to-FCF Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage 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.
LivingTrust Mortgage Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage Bank's EV-to-FCF falls into.
LivingTrust Mortgage Bank's current Enterprise Value is ₦7,784 Mil.
LivingTrust Mortgage Bank'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 ₦3,579 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.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a EV-to-FCF of 2.18 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on LivingTrust Mortgage Bank and its competitors. This is 27% below median its historical median of 3.00. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #384 out of 1193 companies in the Banks industry, placing it in the top 32.2%.
Is LivingTrust Mortgage Bank's EV-to-FCF too high?
LivingTrust Mortgage Bank's current EV-to-FCF of 2.18 is 27% below median its 10-year median of 3.00. The Banks industry median EV-to-FCF is 6.57. LivingTrust Mortgage Bank's value of 2.18 is 66.8% below this industry median. Based on the distribution chart, LivingTrust Mortgage Bank ranks #384 out of 1193 companies in the Banks industry, which is above the industry midpoint. Overall, LivingTrust Mortgage Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's EV-to-FCF compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #384 out of 1193 companies for EV-to-FCF. This puts LivingTrust Mortgage Bank in the upper half of its industry. The industry median EV-to-FCF is 6.57. LivingTrust Mortgage Bank's value of 2.18 is 66.8% below this benchmark. While the company's 10-year median is 3.00 vs. the industry median of 6.57, LivingTrust Mortgage Bank has consistently been below 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 Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 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. LivingTrust Mortgage Bank's current EV-to-FCF of 2.18 is 66.8% below 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 LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current EV-to-FCF is 2.18, which is 27% below median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LivingTrust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank (NSA:LIVINGTRUST) is currently considered Significantly Undervalued. The stock's GF Value™ is ₦6.01, compared to a current price of ₦3.39 — trading 43.6% below its estimated fair value. The current EV-to-FCF is 2.18, which is 27% below median its 10-year median of 3.00 and 66.8% below the Banks industry median of 6.57. LivingTrust Mortgage Bank's overall GF Score™ is 62/100 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current EV-to-FCF is 2.18 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Overvalued in 2026?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank stock appears to be undervalued.
The current stock price of ₦3.39 is trading 43.6% below its estimated GF Value™ of ₦6.01.
GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.
Key valuation signals for NSA:LIVINGTRUST:
EV-to-FCF: 2.18 (27% below median its 10-year median of 3.00)
GF Value™: ₦6.01 vs. price of ₦3.39 (43.6% below fair value)
Industry Position: 66.8% below the Banks median (#384 of 1193)
No single metric tells the full story. See the NSA:LIVINGTRUST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LivingTrust Mortgage Bank PLC is a Nigerian mortgage banking institution, with its principal business being the provision of mortgage banking and related financial intermediation services. The Bank operates as a single reportable business segment focused on mortgage banking and construction finance in accordance with Central Bank of Nigeria guidelines. Its products include mortgages and loans, as well as other banking services. The Bank provides services to individual, group, and corporate customers, including mortgage loan origination, housing finance, and financial support for micro, small, and medium-sized enterprises as part of its financial inclusion mandate.
62GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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