Fon SEWAR:FON 70 EV-to-FCF is 4.23 as of Jul. 05, 2026, which is 207% above its 10-year median of 1.38. GuruFocus rates WAR:FON with a GF Score™ of 70/100 and a GF Value™ of zł2.66 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 263 Credit Services companies, Fon SE ranks better than 78.71% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Fon SE's Enterprise Value is zł5.77 Mil.
Fon SE's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was zł1.37 Mil. Therefore, Fon SE's EV-to-FCF for today is 4.23.
The historical rank and industry rank for Fon SE's EV-to-FCF or its related term are showing as below:
WAR:FON'
s EV-to-FCF Range Over the Past 10 Years
Min: -498.16 Med: 1.38 Max: 825.17
Current: 4.23
During the past 13 years, the highest EV-to-FCF of Fon SE was 825.17. The lowest was -498.16. And the median was 1.38.
WAR:FON's EV-to-FCF is ranked better than 78.71% of 263
companies
in the Credit Services industry
Industry Median: 13.6
vs WAR:FON: 4.23
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.
As of today (2026-07-05), Fon SE's stock price is zł1.80.
Fon SE's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was zł0.207. Therefore, Fon SE's PE Ratio (TTM) for today is 8.70.
Fon SE (WAR:FON) 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.
Fon SE's share price for today is zł1.80.
Fon SE'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 zł0.207.
* 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.
Fon SE EV-to-FCF Related Terms
Fon SE EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Fon SE'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, Fon SE'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.
Fon SE EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fon SE's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Fon SE's EV-to-FCF falls into.
Fon SE's current Enterprise Value is zł5.77 Mil.
Fon SE'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 zł1.37 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.
Fon SE (WAR:FON) has a EV-to-FCF of 4.23 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Fon SE and its competitors. This is 207% above median its historical median of 1.38. According to the industry distribution chart, Fon SE ranks #56 out of 263 companies in the Credit Services industry, placing it in the top 21.3%.
Is Fon SE's EV-to-FCF too high?
Fon SE's current EV-to-FCF of 4.23 is 207% above median its 10-year median of 1.38. The Credit Services industry median EV-to-FCF is 13.60. Fon SE's value of 4.23 is 68.9% below this industry median. Based on the distribution chart, Fon SE ranks #56 out of 263 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Fon SE has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fon SE's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Fon SE ranks #56 out of 263 companies for EV-to-FCF. This places Fon SE in the top 21% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.60. Fon SE's value of 4.23 is 68.9% below this benchmark. While the company's 10-year median is 1.38 vs. the industry median of 13.60, Fon SE 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 Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.60, based on 263 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. Fon SE's current EV-to-FCF of 4.23 is 68.9% 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 Fon SE and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fon SE's current EV-to-FCF is 4.23, which is 207% above median its own 10-year median of 1.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fon SE stock overvalued right now?
Based on GuruFocus' analysis, Fon SE (WAR:FON) is currently considered Possible Value Trap. The stock's GF Value™ is zł2.66, compared to a current price of zł1.80 — trading 32.3% below its estimated fair value. The current EV-to-FCF is 4.23, which is 207% above median its 10-year median of 1.38 and 68.9% below the Credit Services industry median of 13.60. Fon SE's overall GF Score™ is 70/100 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 Fon SE (WAR:FON), the current EV-to-FCF is 4.23 as of Jul. 05, 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 Fon SE (WAR:FON) Overvalued in 2026?
Based on GuruFocus' analysis, Fon SE stock appears to be undervalued.
The current stock price of zł1.80 is trading 32.3% below its estimated GF Value™ of zł2.66.
GuruFocus considers Fon SE to be Possible Value Trap.
Key valuation signals for WAR:FON:
EV-to-FCF: 4.23 (207% above median its 10-year median of 1.38)
GF Value™: zł2.66 vs. price of zł1.80 (32.3% below fair value)
Industry Position: 68.9% below the Credit Services median (#56 of 263)
No single metric tells the full story. See the WAR:FON stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fon SE is engaged in financial activities and capital investments. The company offers medium-term cash loans to retail clients and small businesses and generates revenue through interest on loans granted. Geographically, it derives a majority of its revenue from its customers in Poland and the rest from Estonia.
70GF Score
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