EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Access Bank Ghana's Enterprise Value is GHS1,306 Mil.
Access Bank Ghana's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was GHS46 Mil. Therefore, Access Bank Ghana's EV-to-FCF for today is 28.40.
The historical rank and industry rank for Access Bank Ghana's EV-to-FCF or its related term are showing as below:
XGHA:ACCESS'
s EV-to-FCF Range Over the Past 10 Years
Min: -122.7 Med: -0.76 Max: 82.77
Current: 28.4
During the past 11 years, the highest EV-to-FCF of Access Bank Ghana was 82.77. The lowest was -122.70. And the median was -0.76.
XGHA:ACCESS's EV-to-FCF is ranked worse than 88.7% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs XGHA:ACCESS: 28.40
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.
Access Bank Ghana (XGHA:ACCESS) 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.
Access Bank Ghana's PE Ratio (TTM) for today is calculated as:
Access Bank Ghana's share price for today is GHS31.90.
Access Bank Ghana'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 GHS1.252.
* 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.
Access Bank Ghana EV-to-FCF Related Terms
Access Bank Ghana EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Access Bank Ghana'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, Access Bank Ghana'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.
Access Bank Ghana EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Access Bank Ghana's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Access Bank Ghana's EV-to-FCF falls into.
Access Bank Ghana's current Enterprise Value is GHS1,306 Mil.
Access Bank Ghana'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 GHS46 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.
Access Bank Ghana (XGHA:ACCESS) has a EV-to-FCF of 28.40 as of Jun. 26, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Access Bank Ghana and its competitors. According to the industry distribution chart, Access Bank Ghana ranks #1060 out of 1195 companies in the Banks industry, placing it in the top 88.7%.
Is Access Bank Ghana's EV-to-FCF too high?
Access Bank Ghana's current EV-to-FCF is 28.40. The Banks industry median EV-to-FCF is 6.52. Access Bank Ghana's value of 28.40 is 335.6% above this industry median. Based on the distribution chart, Access Bank Ghana ranks #1060 out of 1195 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Access Bank Ghana has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Access Bank Ghana's EV-to-FCF compare to PNC?
According to the Banks industry distribution chart, Access Bank Ghana ranks #1060 out of 1195 companies for EV-to-FCF. This places Access Bank Ghana in the lower half of its industry. The industry median EV-to-FCF is 6.52. Access Bank Ghana's value of 28.40 is 335.6% above 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 6.52, based on 1,195 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. Access Bank Ghana's current EV-to-FCF of 28.40 is 335.6% 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 Access Bank Ghana and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Access Bank Ghana's current EV-to-FCF is 28.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Access Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Access Bank Ghana (XGHA:ACCESS) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS13.78, compared to a current price of GHS31.90 — trading 131.5% above its estimated fair value. The current EV-to-FCF is 28.40 and 335.6% above the Banks industry median of 6.52. Access Bank Ghana's overall GF Score™ is 47/100 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 Access Bank Ghana (XGHA:ACCESS), the current EV-to-FCF is 28.40 as of Jun. 26, 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 Access Bank Ghana (XGHA:ACCESS) Overvalued in 2026?
Based on GuruFocus' analysis, Access Bank Ghana stock appears to be overvalued.
The current stock price of GHS31.90 is trading 131.5% above its estimated GF Value™ of GHS13.78.
GuruFocus considers Access Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:ACCESS:
EV-to-FCF: 28.40
GF Value™: GHS13.78 vs. price of GHS31.90 (131.5% above fair value)
Industry Position: 335.6% above the Banks median (#1060 of 1195)
No single metric tells the full story. See the XGHA:ACCESS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.
47GF Score
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