EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Republic Bank (Ghana)'s Enterprise Value is GHS-481 Mil.
Republic Bank (Ghana)'s Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was GHS115 Mil. Therefore, Republic Bank (Ghana)'s EV-to-FCF for today is -4.17.
The historical rank and industry rank for Republic Bank (Ghana)'s EV-to-FCF or its related term are showing as below:
XGHA:RBGH'
s EV-to-FCF Range Over the Past 10 Years
Min: -392.45 Med: -1.47 Max: 8.01
Current: -4.17
During the past 13 years, the highest EV-to-FCF of Republic Bank (Ghana) was 8.01. The lowest was -392.45. And the median was -1.47.
XGHA:RBGH's EV-to-FCF is ranked better than 95.41% of 1198
companies
in the Banks industry
Industry Median: 6.565
vs XGHA:RBGH: -4.17
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.
Republic Bank (Ghana) (XGHA:RBGH) 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.
Republic Bank (Ghana)'s PE Ratio (TTM) for today is calculated as:
Republic Bank (Ghana)'s share price for today is GHS3.93.
Republic Bank (Ghana)'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was GHS0.325.
* 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.
* 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, Republic 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.
Republic Bank (Ghana) EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bank (Ghana)'s EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Republic Bank (Ghana)'s EV-to-FCF falls into.
Republic Bank (Ghana)'s current Enterprise Value is GHS-481 Mil.
Republic Bank (Ghana)'s Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was GHS115 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.
Republic Bank (Ghana) (XGHA:RBGH) has a EV-to-FCF of -4.17 as of Jul. 13, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Republic Bank (Ghana) and its competitors. According to the industry distribution chart, Republic Bank (Ghana) ranks #55 out of 1198 companies in the Banks industry, placing it in the top 4.6%.
Is Republic Bank (Ghana)'s EV-to-FCF too high?
Republic Bank (Ghana)'s current EV-to-FCF is -4.17. Based on the distribution chart, Republic Bank (Ghana) ranks #55 out of 1198 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Republic Bank (Ghana) has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s EV-to-FCF compare to PNC?
According to the Banks industry distribution chart, Republic Bank (Ghana) ranks #55 out of 1198 companies for EV-to-FCF. This places Republic Bank (Ghana) in the top 5% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.57. 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 6.57, 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. 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 Republic Bank (Ghana) and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Bank (Ghana)'s current EV-to-FCF is -4.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.07, compared to a current price of GHS3.93 — trading 267.3% above its estimated fair value. The current EV-to-FCF is -4.17. Republic Bank (Ghana)'s overall GF Score™ is 49/100 with 1 warning sign 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 Republic Bank (Ghana) (XGHA:RBGH), the current EV-to-FCF is -4.17 as of Jul. 13, 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued.
The current stock price of GHS3.93 is trading 267.3% above its estimated GF Value™ of GHS1.07.
GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.
Key valuation signals for XGHA:RBGH:
EV-to-FCF: -4.17
GF Value™: GHS1.07 vs. price of GHS3.93 (267.3% above fair value)
No single metric tells the full story. See the XGHA:RBGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
49GF Score
Get the complete analysis for XGHA:RBGH
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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