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.
Paysera Bulgaria JSCXBUL:PAY 13 EV-to-FCF is -11.15 as of Sep. 21, 2026. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 warning signs investors should review. Among 1,617 Software companies, Paysera Bulgaria JSC ranks worse than 61842.86% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Paysera Bulgaria JSC's Enterprise Value is €2.14 Mil.
Paysera Bulgaria JSC's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.19 Mil. Therefore, Paysera Bulgaria JSC's EV-to-FCF for today is -11.15.
The historical rank and industry rank for Paysera Bulgaria JSC's EV-to-FCF or its related term are showing as below:
XBUL:PAY'
s EV-to-FCF Range Over the Past 10 Years
Min: -114.52 Med: -15.14 Max: 5712.95
Current: -11.15
During the past 5 years, the highest EV-to-FCF of Paysera Bulgaria JSC was 5712.95. The lowest was -114.52. And the median was -15.14.
XBUL:PAY's EV-to-FCF is ranked worse than 100% of 1617
companies
in the Software industry
Industry Median: 15.6
vs XBUL:PAY: -11.15
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.
Paysera Bulgaria JSC's PE Ratio (TTM) for today is calculated as:
Paysera Bulgaria JSC's share price for today is €2.48.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Paysera Bulgaria JSC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.381.
* 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.
Paysera Bulgaria JSC EV-to-FCF Related Terms
Paysera Bulgaria JSC EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Paysera Bulgaria JSC'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.
XBUL:PAY vs MSFT, PLTR, ORCL: EV-to-FCF Comparison
For the Software - Infrastructure subindustry, Paysera Bulgaria JSC'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.
Paysera Bulgaria JSC EV-to-FCF vs Software Industry
For the Software industry and Technology sector, Paysera Bulgaria JSC's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Paysera Bulgaria JSC's EV-to-FCF falls into.
Paysera Bulgaria JSC's current Enterprise Value is €2.14 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Paysera Bulgaria JSC's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-0.19 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.
Paysera Bulgaria JSC (XBUL:PAY) has a EV-to-FCF of -11.15 as of Sep. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Paysera Bulgaria JSC and its competitors. According to the industry distribution chart, Paysera Bulgaria JSC ranks #999999 out of 1617 companies in the Software industry.
Is Paysera Bulgaria JSC's EV-to-FCF too high?
Paysera Bulgaria JSC's current EV-to-FCF is -11.15. Based on the distribution chart, Paysera Bulgaria JSC ranks #999999 out of 1617 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's EV-to-FCF compare to MSFT and PLTR?
According to the Software industry distribution chart, Paysera Bulgaria JSC ranks #999999 out of 1617 companies for EV-to-FCF. This places Paysera Bulgaria JSC in the lower half of its industry. The industry median EV-to-FCF is 15.60. 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 Software company?
The median EV-to-FCF among Software companies is 15.60, based on 1,617 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. 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 Paysera Bulgaria JSC and its competitors. For the Software industry, the median EV-to-FCF is 15.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paysera Bulgaria JSC's current EV-to-FCF is -11.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current EV-to-FCF of -11.15. The current EV-to-FCF is -11.15. Paysera Bulgaria JSC's overall GF Score™ is 13/100 with 2 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 Paysera Bulgaria JSC (XBUL:PAY), the current EV-to-FCF is -11.15 as of Sep. 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.
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
13GF Score
Get the complete analysis for XBUL:PAY
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
XBUL:PAY has been successfully added to your 
