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NCB Financial GroupXJAM:NCBFG -1.02%60 EV-to-FCF is 3.00 as of Aug. 01, 2026, which is 32% below its 10-year median of 4.43. GuruFocus rates XJAM:NCBFG with a GF Score™ of 60/100 and a GF Value™ of JMD39.49 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 139 Diversified Financial Services companies, NCB Financial Group ranks better than 53.24% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, NCB Financial Group's Enterprise Value is JMD272,272 Mil.
NCB Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was JMD90,737 Mil. Therefore, NCB Financial Group's EV-to-FCF for today is 3.00.
The historical rank and industry rank for NCB Financial Group's EV-to-FCF or its related term are showing as below:
XJAM:NCBFG'
s EV-to-FCF Range Over the Past 10 Years
Min: -136.69 Med: 4.43 Max: 296.16
Current: 3
During the past 13 years, the highest EV-to-FCF of NCB Financial Group was 296.16. The lowest was -136.69. And the median was 4.43.
XJAM:NCBFG's EV-to-FCF is ranked better than 53.24% of 139
companies
in the Diversified Financial Services industry
Industry Median: 3.6
vs XJAM:NCBFG: 3.00
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.
NCB Financial Group (XJAM:NCBFG) 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.
NCB Financial Group's PE Ratio (TTM) for today is calculated as:
NCB Financial Group's share price for today is JMD74.00.
NCB Financial Group'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 JMD9.550.
* 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.
NCB Financial Group EV-to-FCF Related Terms
NCB Financial Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for NCB Financial Group'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 Financial Conglomerates subindustry, NCB Financial Group'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.
NCB Financial Group EV-to-FCF vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where NCB Financial Group's EV-to-FCF falls into.
NCB Financial Group's current Enterprise Value is JMD272,272 Mil.
NCB Financial Group'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 JMD90,737 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.
NCB Financial Group (XJAM:NCBFG) has a EV-to-FCF of 3.00 as of Aug. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NCB Financial Group and its competitors. This is 32% below median its historical median of 4.43. According to the industry distribution chart, NCB Financial Group ranks #65 out of 139 companies in the Diversified Financial Services industry, placing it in the top 46.8%.
Is NCB Financial Group's EV-to-FCF too high?
NCB Financial Group's current EV-to-FCF of 3.00 is 32% below median its 10-year median of 4.43. The Diversified Financial Services industry median EV-to-FCF is 3.60. NCB Financial Group's value of 3.00 is 16.7% below this industry median. Based on the distribution chart, NCB Financial Group ranks #65 out of 139 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, NCB Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCB Financial Group's EV-to-FCF compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, NCB Financial Group ranks #65 out of 139 companies for EV-to-FCF. This puts NCB Financial Group in the upper half of its industry. The industry median EV-to-FCF is 3.60. NCB Financial Group's value of 3.00 is 16.7% below this benchmark. While the company's 10-year median is 4.43 vs. the industry median of 3.60, NCB Financial Group 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 Diversified Financial Services company?
The median EV-to-FCF among Diversified Financial Services companies is 3.60, based on 139 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. NCB Financial Group's current EV-to-FCF of 3.00 is 16.7% 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 NCB Financial Group and its competitors. For the Diversified Financial Services industry, the median EV-to-FCF is 3.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCB Financial Group's current EV-to-FCF is 3.00, which is 32% below median its own 10-year median of 4.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, NCB Financial Group (XJAM:NCBFG) is currently considered Significantly Overvalued. The stock's GF Value™ is JMD39.49, compared to a current price of JMD74.00 — trading 87.4% above its estimated fair value. The current EV-to-FCF is 3.00, which is 32% below median its 10-year median of 4.43 and 16.7% below the Diversified Financial Services industry median of 3.60. NCB Financial Group's overall GF Score™ is 60/100 with 6 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 NCB Financial Group (XJAM:NCBFG), the current EV-to-FCF is 3.00 as of Aug. 01, 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 NCB Financial Group (XJAM:NCBFG) Overvalued in 2026?
Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued.
The current stock price of JMD74.00 is trading 87.4% above its estimated GF Value™ of JMD39.49.
GuruFocus considers NCB Financial Group to be Significantly Overvalued.
Key valuation signals for XJAM:NCBFG:
EV-to-FCF: 3.00 (32% below median its 10-year median of 4.43)
GF Value™: JMD39.49 vs. price of JMD74.00 (87.4% above fair value)
Industry Position: 16.7% below the Diversified Financial Services median (#65 of 139)
No single metric tells the full story. See the XJAM:NCBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
60GF Score
Get the complete analysis for XJAM:NCBFG
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