EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, General Capital's Enterprise Value is NZ$-9.18 Mil.
General Capital's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$-24.60 Mil. Therefore, General Capital's EV-to-FCF for today is 0.37.
The historical rank and industry rank for General Capital's EV-to-FCF or its related term are showing as below:
NZSE:GEN'
s EV-to-FCF Range Over the Past 10 Years
Min: -30.83 Med: -0.58 Max: 2.17
Current: 0.37
During the past 13 years, the highest EV-to-FCF of General Capital was 2.17. The lowest was -30.83. And the median was -0.58.
NZSE:GEN's EV-to-FCF is ranked better than 81.56% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs NZSE:GEN: 0.37
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.
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.
General Capital's PE Ratio (TTM) for today is calculated as:
General Capital's share price for today is NZ$0.29.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. General Capital's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$0.030.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
General Capital EV-to-FCF Related Terms
General Capital EV-to-FCF Historical Data
* Premium members only.
The historical data trend for General Capital's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, General Capital's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
General Capital EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, General Capital's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where General Capital's EV-to-FCF falls into.
General Capital's current Enterprise Value is NZ$-9.18 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. General Capital's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was NZ$-24.60 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.
General Capital (NZSE:GEN) has a EV-to-FCF of 0.37 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on General Capital and its competitors. According to the industry distribution chart, General Capital ranks #220 out of 1193 companies in the Banks industry, placing it in the top 18.4%.
Is General Capital's EV-to-FCF too high?
General Capital's current EV-to-FCF is 0.37. The Banks industry median EV-to-FCF is 6.61. General Capital's value of 0.37 is 94.4% below this industry median. Based on the distribution chart, General Capital ranks #220 out of 1193 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, General Capital has a GF Score™ of 42/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does General Capital's EV-to-FCF compare to RKT and FNMA?
According to the Banks industry distribution chart, General Capital ranks #220 out of 1193 companies for EV-to-FCF. This places General Capital in the top 18% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.61. General Capital's value of 0.37 is 94.4% below this benchmark. 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 6.61, 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. General Capital's current EV-to-FCF of 0.37 is 94.4% 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 General Capital and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. General Capital's current EV-to-FCF is 0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is General Capital stock overvalued right now?
Based on GuruFocus' analysis, General Capital (NZSE:GEN) is currently considered Possible Value Trap. The stock's GF Value™ is NZ$0.98, compared to a current price of NZ$0.29 — trading 70.4% below its estimated fair value. The current EV-to-FCF is 0.37 and 94.4% below the Banks industry median of 6.61. General Capital's overall GF Score™ is 42/100 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 General Capital (NZSE:GEN), the current EV-to-FCF is 0.37 as of Jul. 04, 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 General Capital (NZSE:GEN) Overvalued in 2026?
Based on GuruFocus' analysis, General Capital stock appears to be undervalued.
The current stock price of NZ$0.29 is trading 70.4% below its estimated GF Value™ of NZ$0.98.
GuruFocus considers General Capital to be Possible Value Trap.
Key valuation signals for NZSE:GEN:
EV-to-FCF: 0.37
GF Value™: NZ$0.98 vs. price of NZ$0.29 (70.4% below fair value)
Industry Position: 94.4% below the Banks median (#220 of 1193)
No single metric tells the full story. See the NZSE:GEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
General Capital Ltd through its subsidiaries engaged in providing financial services. The company accepts deposits and also lends funds to borrowers over residential property. It operates through three segments: Finance: Deposit taking and property mortgage lending, and insurance premium funding, Research and Advisory: Provides investment advisory services and produces and sells investment research and publications. Corporate and Other: Corporate function and investment activities. The Finance segment generates the majority of revenue for the company.
42GF 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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