EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Michlol Finance's Enterprise Value is ₪2,267.5 Mil.
Michlol Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₪404.4 Mil. Therefore, Michlol Finance's EV-to-FCF for today is 5.61.
The historical rank and industry rank for Michlol Finance's EV-to-FCF or its related term are showing as below:
XTAE:MCLL'
s EV-to-FCF Range Over the Past 10 Years
Min: -439.96 Med: -8.67 Max: 50.98
Current: 5.61
During the past 7 years, the highest EV-to-FCF of Michlol Finance was 50.98. The lowest was -439.96. And the median was -8.67.
XTAE:MCLL's EV-to-FCF is ranked better than 73.21% of 265
companies
in the Credit Services industry
Industry Median: 13.24
vs XTAE:MCLL: 5.61
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.
Michlol Finance's PE Ratio (TTM) for today is calculated as:
Michlol Finance's share price for today is ₪12.80.
Michlol Finance'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 ₪1.177.
* 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.
Michlol Finance EV-to-FCF Related Terms
Michlol Finance EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Michlol Finance'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 Credit Services subindustry, Michlol Finance'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.
Michlol Finance EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Michlol Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Michlol Finance's EV-to-FCF falls into.
Michlol Finance's current Enterprise Value is ₪2,267.5 Mil.
Michlol Finance'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 ₪404.4 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.
Michlol Finance (XTAE:MCLL) has a EV-to-FCF of 5.61 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Michlol Finance and its competitors. According to the industry distribution chart, Michlol Finance ranks #71 out of 265 companies in the Credit Services industry, placing it in the top 26.8%.
Is Michlol Finance's EV-to-FCF too high?
Michlol Finance's current EV-to-FCF is 5.61. The Credit Services industry median EV-to-FCF is 13.24. Michlol Finance's value of 5.61 is 57.6% below this industry median. Based on the distribution chart, Michlol Finance ranks #71 out of 265 companies in the Credit Services industry, which is above the industry midpoint. Overall, Michlol Finance has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Michlol Finance's EV-to-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Michlol Finance ranks #71 out of 265 companies for EV-to-FCF. This puts Michlol Finance in the upper half of its industry. The industry median EV-to-FCF is 13.24. Michlol Finance's value of 5.61 is 57.6% below 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 Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.24, based on 265 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. Michlol Finance's current EV-to-FCF of 5.61 is 57.6% 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 Michlol Finance and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Michlol Finance's current EV-to-FCF is 5.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Michlol Finance stock overvalued right now?
Based on GuruFocus' analysis, Michlol Finance (XTAE:MCLL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪8.99, compared to a current price of ₪12.80 — trading 42.4% above its estimated fair value. The current EV-to-FCF is 5.61 and 57.6% below the Credit Services industry median of 13.24. Michlol Finance's overall GF Score™ is 69/100 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 Michlol Finance (XTAE:MCLL), the current EV-to-FCF is 5.61 as of Jul. 12, 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 Michlol Finance (XTAE:MCLL) Overvalued in 2026?
Based on GuruFocus' analysis, Michlol Finance stock appears to be overvalued.
The current stock price of ₪12.80 is trading 42.4% above its estimated GF Value™ of ₪8.99.
GuruFocus considers Michlol Finance to be Significantly Overvalued.
Key valuation signals for XTAE:MCLL:
EV-to-FCF: 5.61
GF Value™: ₪8.99 vs. price of ₪12.80 (42.4% above fair value)
Industry Position: 57.6% below the Credit Services median (#71 of 265)
No single metric tells the full story. See the XTAE:MCLL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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