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.
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.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, LHV Group AS's Enterprise Value is €-431.2 Mil.
LHV Group AS's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was €-1,065.2 Mil. Therefore, LHV Group AS's EV-to-FCF for today is 0.40.
The historical rank and industry rank for LHV Group AS's EV-to-FCF or its related term are showing as below:
OTSE:LHV1T'
s EV-to-FCF Range Over the Past 10 Years
Min: -58.56 Med: -1.19 Max: 5.57
Current: 0.4
During the past 13 years, the highest EV-to-FCF of LHV Group AS was 5.57. The lowest was -58.56. And the median was -1.19.
OTSE:LHV1T's EV-to-FCF is ranked better than 83.21% of 1179
companies
in the Banks industry
Industry Median: 7.02
vs OTSE:LHV1T: 0.40
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.
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.
LHV Group AS's PE Ratio (TTM) for today is calculated as:
LHV Group AS's share price for today is €3.335.
LHV Group AS's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.300.
* 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.
LHV Group AS EV-to-FCF Related Terms
LHV Group AS EV-to-FCF Historical Data
* Premium members only.
The historical data trend for LHV Group AS'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 Banks - Regional subindustry, LHV Group AS'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.
LHV Group AS EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, LHV Group AS's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where LHV Group AS's EV-to-FCF falls into.
LHV Group AS's current Enterprise Value is €-431.2 Mil.
LHV Group AS's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-1,065.2 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.
LHV Group AS (OTSE:LHV1T) has a EV-to-FCF of 0.40 as of Aug. 22, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on LHV Group AS and its competitors. According to the industry distribution chart, LHV Group AS ranks #198 out of 1179 companies in the Banks industry, placing it in the top 16.8%.
Is LHV Group AS's EV-to-FCF too high?
LHV Group AS's current EV-to-FCF is 0.40. The Banks industry median EV-to-FCF is 7.02. LHV Group AS's value of 0.40 is 94.3% below this industry median. Based on the distribution chart, LHV Group AS ranks #198 out of 1179 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, LHV Group AS has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LHV Group AS's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, LHV Group AS ranks #198 out of 1179 companies for EV-to-FCF. This places LHV Group AS in the top 17% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 7.02. LHV Group AS's value of 0.40 is 94.3% 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 7.02, based on 1,179 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. LHV Group AS's current EV-to-FCF of 0.40 is 94.3% 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 LHV Group AS and its competitors. For the Banks industry, the median EV-to-FCF is 7.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LHV Group AS's current EV-to-FCF is 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LHV Group AS stock overvalued right now?
Based on GuruFocus' analysis, LHV Group AS (OTSE:LHV1T) is currently considered Fairly Valued. The stock's GF Value™ is €3.39, compared to a current price of €3.34 — trading 1.6% below its estimated fair value. The current EV-to-FCF is 0.40 and 94.3% below the Banks industry median of 7.02. LHV Group AS's overall GF Score™ is 80/100 with 4 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 LHV Group AS (OTSE:LHV1T), the current EV-to-FCF is 0.40 as of Aug. 22, 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 LHV Group AS (OTSE:LHV1T) Overvalued in 2026?
Based on GuruFocus' analysis, LHV Group AS stock appears to be undervalued.
The current stock price of €3.34 is trading 1.6% below its estimated GF Value™ of €3.39.
GuruFocus considers LHV Group AS to be Fairly Valued.
Key valuation signals for OTSE:LHV1T:
EV-to-FCF: 0.40
GF Value™: €3.39 vs. price of €3.34 (1.6% below fair value)
Industry Position: 94.3% below the Banks median (#198 of 1179)
No single metric tells the full story. See the OTSE:LHV1T stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LHV Group AS operates as a holding company. The Group provides a wide range of financial services, including banking, investment and asset management, insurance, and other financial services in Estonia and the United Kingdom. It operates through its subsidiaries: LHV Pank, LHV Bank, LHV Varahaldus, LHV Kindlustus, and Other. The LHV Pank segment, contributes the maximum share of the Group's revenue, includes retail and corporate banking services in Estonia, offering loans, payment solution, investment, and savings products. LHV Bank offers banking services to financial intermediaries and fintech companies, SME lending, and retail banking in the United Kingdom. LHV Varahaldus is engaged in pension fund and asset management. LHV Kindlustus offers a range of non-life insurance products.
80GF Score
Get the complete analysis for OTSE:LHV1T
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OTSE:LHV1T has been successfully added to your 
