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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citizen Bank International's Enterprise Value is NPR12,448 Mil.
Citizen Bank International's Free Cash Flow for the trailing twelve months (TTM) ended in Apr. 2026 was NPR630 Mil. Therefore, Citizen Bank International's EV-to-FCF for today is 19.75.
The historical rank and industry rank for Citizen Bank International's EV-to-FCF or its related term are showing as below:
XNEP:CZBIL'
s EV-to-FCF Range Over the Past 10 Years
Min: -20.04 Med: 2.92 Max: 81.35
Current: 19.03
During the past 13 years, the highest EV-to-FCF of Citizen Bank International was 81.35. The lowest was -20.04. And the median was 2.92.
XNEP:CZBIL's EV-to-FCF is ranked worse than 81.36% of 1180
companies
in the Banks industry
Industry Median: 7.235
vs XNEP:CZBIL: 19.03
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.
Citizen Bank International (XNEP:CZBIL) 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.
Citizen Bank International's PE Ratio (TTM) for today is calculated as:
Citizen Bank International's share price for today is NPR204.90.
Citizen Bank International's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Apr. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was NPR10.800.
* 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.
Citizen Bank International EV-to-FCF Related Terms
Citizen Bank International EV-to-FCF Historical Data
* 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.
Citizen Bank International EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International'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.
Citizen Bank International EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citizen Bank International's EV-to-FCF falls into.
Citizen Bank International's current Enterprise Value is NPR12,448 Mil.
Citizen Bank International's Free Cash Flow for the trailing twelve months (TTM) ended in Apr. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was NPR630 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.
Citizen Bank International (XNEP:CZBIL) has a EV-to-FCF of 19.75 as of Aug. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizen Bank International and its competitors. This is 576% above median its historical median of 2.92. According to the industry distribution chart, Citizen Bank International ranks #960 out of 1180 companies in the Banks industry, placing it in the top 81.4%.
Is Citizen Bank International's EV-to-FCF too high?
Citizen Bank International's current EV-to-FCF of 19.75 is 576% above median its 10-year median of 2.92. The Banks industry median EV-to-FCF is 7.24. Citizen Bank International's value of 19.75 is 173% above this industry median. Based on the distribution chart, Citizen Bank International ranks #960 out of 1180 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citizen Bank International has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizen Bank International's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #960 out of 1180 companies for EV-to-FCF. This places Citizen Bank International in the lower half of its industry. The industry median EV-to-FCF is 7.24. Citizen Bank International's value of 19.75 is 173% above this benchmark. While the company's 10-year median is 2.92 vs. the industry median of 7.24, Citizen Bank International has consistently been above 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 7.24, based on 1,180 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. Citizen Bank International's current EV-to-FCF of 19.75 is 173% 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 Citizen Bank International and its competitors. For the Banks industry, the median EV-to-FCF is 7.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current EV-to-FCF is 19.75, which is 576% above median its own 10-year median of 2.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizen Bank International stock overvalued right now?
Based on GuruFocus' analysis, Citizen Bank International (XNEP:CZBIL) is currently considered Fairly Valued. The stock's GF Value™ is NPR210.67, compared to a current price of NPR204.90 — trading 2.7% below its estimated fair value. The current EV-to-FCF is 19.75, which is 576% above median its 10-year median of 2.92 and 173% above the Banks industry median of 7.24. Citizen Bank International's overall GF Score™ is 66/100 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 Citizen Bank International (XNEP:CZBIL), the current EV-to-FCF is 19.75 as of Aug. 14, 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 Citizen Bank International (XNEP:CZBIL) Overvalued in 2026?
Based on GuruFocus' analysis, Citizen Bank International stock appears to be undervalued.
The current stock price of NPR204.90 is trading 2.7% below its estimated GF Value™ of NPR210.67.
GuruFocus considers Citizen Bank International to be Fairly Valued.
Key valuation signals for XNEP:CZBIL:
EV-to-FCF: 19.75 (576% above median its 10-year median of 2.92)
GF Value™: NPR210.67 vs. price of NPR204.90 (2.7% below fair value)
Industry Position: 173% above the Banks median (#960 of 1180)
No single metric tells the full story. See the XNEP:CZBIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizen Bank International Ltd operates as a commercial bank. The company provides commercial banking services including agency services, trade finance services, e-commerce services, and trading of gold and silver. Its products include Online Products; Deposits; loans; Cards; and remittances. The operating segments of the group are Banking; Treasury; Cards; and Remittance, of which a majority of revenue is derived from Banking which comprises the product and service of loans and deposits, and generates revenue from interest on a loan.
66GF Score
Get the complete analysis for XNEP:CZBIL
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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