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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, NEO Finance AB's Enterprise Value is €-11.02 Mil.
NEO Finance AB's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €-10.78 Mil. Therefore, NEO Finance AB's EV-to-FCF for today is 1.02.
The historical rank and industry rank for NEO Finance AB's EV-to-FCF or its related term are showing as below:
OVSE:NEOFI'
s EV-to-FCF Range Over the Past 10 Years
Min: -8.31 Med: -1.06 Max: 5.85
Current: 1.02
During the past 9 years, the highest EV-to-FCF of NEO Finance AB was 5.85. The lowest was -8.31. And the median was -1.06.
OVSE:NEOFI's EV-to-FCF is not ranked
in the Credit Services industry.
Industry Median: 13.82
vs OVSE:NEOFI: 1.02
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.
NEO Finance AB's PE Ratio (TTM) for today is calculated as:
NEO Finance AB's share price for today is €2.20.
NEO Finance AB'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 €0.090.
* 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.
NEO Finance AB EV-to-FCF Related Terms
NEO Finance AB EV-to-FCF Historical Data
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The historical data trend for NEO Finance AB'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 Credit Services subindustry, NEO Finance AB'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.
NEO Finance AB EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NEO Finance AB's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where NEO Finance AB's EV-to-FCF falls into.
NEO Finance AB's current Enterprise Value is €-11.02 Mil.
NEO Finance AB'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 €-10.78 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.
NEO Finance AB (OVSE:NEOFI) has a EV-to-FCF of 1.02 as of Jul. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NEO Finance AB and its competitors.
Is NEO Finance AB's EV-to-FCF too high?
NEO Finance AB's current EV-to-FCF is 1.02. The Credit Services industry median EV-to-FCF is 13.82. NEO Finance AB's value of 1.02 is 92.6% below this industry median.
How does NEO Finance AB's EV-to-FCF compare to V and MA?
NEO Finance AB's EV-to-FCF of 1.02 can be compared against companies in the Credit Services industry. The industry median EV-to-FCF is 13.82. NEO Finance AB's value of 1.02 is 92.6% 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 Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.82, based on 269 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. NEO Finance AB's current EV-to-FCF of 1.02 is 92.6% 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 NEO Finance AB and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NEO Finance AB's current EV-to-FCF is 1.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NEO Finance AB stock overvalued right now?
NEO Finance AB (OVSE:NEOFI) has a current EV-to-FCF of 1.02. The stock's GF Value™ is €0.90, compared to a current price of €2.20 — trading 144.4% above its estimated fair value. The current EV-to-FCF is 1.02 and 92.6% below the Credit Services industry median of 13.82. 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 NEO Finance AB (OVSE:NEOFI), the current EV-to-FCF is 1.02 as of Jul. 29, 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.
NEO Finance AB is engaged in providing financial services. It owns and operates a Peer-to-peer lending platform under the brand name Paskolu Klubas that enables retail lenders to lend money directly to retail borrowers. Revenue from this business is generated in two main ways: an intermediary fee charged from borrowers on installments made and interest earned by co-investing with lenders. In addition, through Neopay (e-money), the company operates as a payment service provider in the Baltic and other regions, and through Finomark, a crowdfunding platform, it offers fundraising and investment solutions for both companies and investors, by offering loans to small and medium-sized businesses. The majority of the its revenue is generated from its peer-to-peer lending business in Lithuania.
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