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.
SHL Finance CoSAU:1183 -1.07%48 EV-to-FCF is 112.14 as of Jul. 21, 2026, which is 174% above its 10-year median of 40.96. GuruFocus rates SAU:1183 with a GF Score™ of 48/100 and a GF Value™ of ﷼28.33 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,198 Banks companies, SHL Finance Co ranks worse than 96.58% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, SHL Finance Co's Enterprise Value is ﷼4,356.0 Mil.
SHL Finance Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ﷼38.8 Mil. Therefore, SHL Finance Co's EV-to-FCF for today is 112.14.
The historical rank and industry rank for SHL Finance Co's EV-to-FCF or its related term are showing as below:
SAU:1183'
s EV-to-FCF Range Over the Past 10 Years
Min: -1462.68 Med: 40.96 Max: 142.74
Current: 112.92
During the past 8 years, the highest EV-to-FCF of SHL Finance Co was 142.74. The lowest was -1462.68. And the median was 40.96.
SAU:1183's EV-to-FCF is ranked worse than 96.58% of 1198
companies
in the Banks industry
Industry Median: 6.68
vs SAU:1183: 112.92
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.
SHL Finance Co's PE Ratio (TTM) for today is calculated as:
SHL Finance Co's share price for today is ﷼14.75.
SHL Finance Co'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 ﷼0.560.
* 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.
SHL Finance Co EV-to-FCF Related Terms
SHL Finance Co EV-to-FCF Historical Data
* Premium members only.
The historical data trend for SHL Finance Co'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, SHL Finance Co'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.
SHL Finance Co EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, SHL Finance Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where SHL Finance Co's EV-to-FCF falls into.
SHL Finance Co's current Enterprise Value is ﷼4,356.0 Mil.
SHL Finance Co'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 ﷼38.8 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.
SHL Finance Co (SAU:1183) has a EV-to-FCF of 112.14 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on SHL Finance Co and its competitors. This is 174% above median its historical median of 40.96. According to the industry distribution chart, SHL Finance Co ranks #1157 out of 1198 companies in the Banks industry, placing it in the top 96.6%.
Is SHL Finance Co's EV-to-FCF too high?
SHL Finance Co's current EV-to-FCF of 112.14 is 174% above median its 10-year median of 40.96. The Banks industry median EV-to-FCF is 6.68. SHL Finance Co's value of 112.14 is 1578.7% above this industry median. Based on the distribution chart, SHL Finance Co ranks #1157 out of 1198 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SHL Finance Co has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SHL Finance Co's EV-to-FCF compare to RKT and FNMA?
According to the Banks industry distribution chart, SHL Finance Co ranks #1157 out of 1198 companies for EV-to-FCF. This places SHL Finance Co in the lower half of its industry. The industry median EV-to-FCF is 6.68. SHL Finance Co's value of 112.14 is 1578.7% above this benchmark. While the company's 10-year median is 40.96 vs. the industry median of 6.68, SHL Finance Co has consistently been above 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 6.68, based on 1,198 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. SHL Finance Co's current EV-to-FCF of 112.14 is 1578.7% above 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 SHL Finance Co and its competitors. For the Banks industry, the median EV-to-FCF is 6.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHL Finance Co's current EV-to-FCF is 112.14, which is 174% above median its own 10-year median of 40.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SHL Finance Co stock overvalued right now?
Based on GuruFocus' analysis, SHL Finance Co (SAU:1183) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼28.33, compared to a current price of ﷼14.75 — trading 47.9% below its estimated fair value. The current EV-to-FCF is 112.14, which is 174% above median its 10-year median of 40.96 and 1578.7% above the Banks industry median of 6.68. SHL Finance Co's overall GF Score™ is 48/100 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 SHL Finance Co (SAU:1183), the current EV-to-FCF is 112.14 as of Jul. 21, 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 SHL Finance Co (SAU:1183) Overvalued in 2026?
Based on GuruFocus' analysis, SHL Finance Co stock appears to be undervalued.
The current stock price of ﷼14.75 is trading 47.9% below its estimated GF Value™ of ﷼28.33.
GuruFocus considers SHL Finance Co to be Possible Value Trap.
Key valuation signals for SAU:1183:
EV-to-FCF: 112.14 (174% above median its 10-year median of 40.96)
GF Value™: ﷼28.33 vs. price of ﷼14.75 (47.9% below fair value)
Industry Position: 1578.7% above the Banks median (#1157 of 1198)
No single metric tells the full story. See the SAU:1183 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SHL Finance Co is engaged in real estate financing activities for individuals. The main activity of the company is to carry out real estate financing, Consumer Financing, and financing the activities of Small & Medium Establishments for individuals and corporations, in accordance with the provisions of the Companies Law, the Finance Companies Control Law, and its Executive Regulations and related regulations, and the rules and instructions issued by the Saudi Central Bank.
48GF Score
Get the complete analysis for SAU:1183
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
SAU:1183 has been successfully added to your 
