CAL BankXGHA:CAL -3.70% EV-to-FCF is 0.72 as of Jun. 30, 2026, which is 7% above its 10-year median of 0.67. The stock has 1 warning sign investors should review. Among 1,196 Banks companies, CAL Bank ranks better than 78.6% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, CAL Bank's Enterprise Value is GHS2,207 Mil.
CAL Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was GHS3,053 Mil. Therefore, CAL Bank's EV-to-FCF for today is 0.72.
The historical rank and industry rank for CAL Bank's EV-to-FCF or its related term are showing as below:
XGHA:CAL'
s EV-to-FCF Range Over the Past 10 Years
Min: -67.41 Med: 0.67 Max: 17.68
Current: 0.72
During the past 13 years, the highest EV-to-FCF of CAL Bank was 17.68. The lowest was -67.41. And the median was 0.67.
XGHA:CAL's EV-to-FCF is ranked better than 78.6% of 1196
companies
in the Banks industry
Industry Median: 6.545
vs XGHA:CAL: 0.72
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.
CAL Bank's share price for today is GHS0.78.
CAL Bank'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 GHS0.211.
* 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.
CAL Bank EV-to-FCF Related Terms
CAL Bank EV-to-FCF Historical Data
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The historical data trend for CAL Bank'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, CAL Bank'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.
CAL Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, CAL Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where CAL Bank's EV-to-FCF falls into.
CAL Bank's current Enterprise Value is GHS2,207 Mil.
CAL Bank'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 GHS3,053 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.
CAL Bank (XGHA:CAL) has a EV-to-FCF of 0.72 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CAL Bank and its competitors. This is near median its historical median of 0.67. According to the industry distribution chart, CAL Bank ranks #256 out of 1196 companies in the Banks industry, placing it in the top 21.4%.
Is CAL Bank's EV-to-FCF too high?
CAL Bank's current EV-to-FCF of 0.72 is near median its 10-year median of 0.67. The Banks industry median EV-to-FCF is 6.55. CAL Bank's value of 0.72 is 89% below this industry median. Based on the distribution chart, CAL Bank ranks #256 out of 1196 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does CAL Bank's EV-to-FCF compare to PNC?
According to the Banks industry distribution chart, CAL Bank ranks #256 out of 1196 companies for EV-to-FCF. This places CAL Bank in the top 21% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.55. CAL Bank's value of 0.72 is 89% below this benchmark. While the company's 10-year median is 0.67 vs. the industry median of 6.55, CAL Bank 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 Banks company?
The median EV-to-FCF among Banks companies is 6.55, based on 1,196 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. CAL Bank's current EV-to-FCF of 0.72 is 89% 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 CAL Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CAL Bank's current EV-to-FCF is 0.72, which is near median its own 10-year median of 0.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current EV-to-FCF of 0.72. The current EV-to-FCF is 0.72, which is near median its 10-year median of 0.67 and 89% below the Banks industry median of 6.55. 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 CAL Bank (XGHA:CAL), the current EV-to-FCF is 0.72 as of Jun. 30, 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.
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.
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