XTUN:UBCI's EV-to-FCF is ranked worse than 100% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs XTUN:UBCI: -5.79
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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's PE Ratio (TTM) for today is calculated as:
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's share price for today is TND39.99.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was TND2.749.
* 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse EV-to-FCF Related Terms
Union Bancaire Pour Le Commerce Et l' Industrie Bourse 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse EV-to-FCF Chart
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Annual Data
* 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse EV-to-FCF vs Banks Industry
* 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.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) has a EV-to-FCF of -5.79 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Union Bancaire Pour Le Commerce Et l' Industrie Bourse and its competitors. According to the industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 1193 companies in the Banks industry.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse's EV-to-FCF too high?
Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current EV-to-FCF is -5.79. Based on the distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Bancaire Pour Le Commerce Et l' Industrie Bourse has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Union Bancaire Pour Le Commerce Et l' Industrie Bourse's EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Union Bancaire Pour Le Commerce Et l' Industrie Bourse ranks #999999 out of 1193 companies for EV-to-FCF. This places Union Bancaire Pour Le Commerce Et l' Industrie Bourse in the lower half of its industry. 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 1,193 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse 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. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's current EV-to-FCF is -5.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock overvalued right now?
Based on GuruFocus' analysis, Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) is currently considered Significantly Overvalued. The stock's GF Value™ is TND26.30, compared to a current price of TND39.99 — trading 52.1% above its estimated fair value. The current EV-to-FCF is -5.79. Union Bancaire Pour Le Commerce Et l' Industrie Bourse's overall GF Score™ is 71/100 with 7 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI), the current EV-to-FCF is -5.79 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 Union Bancaire Pour Le Commerce Et l' Industrie Bourse (XTUN:UBCI) Overvalued in 2026?
Based on GuruFocus' analysis, Union Bancaire Pour Le Commerce Et l' Industrie Bourse stock appears to be overvalued.
The current stock price of TND39.99 is trading 52.1% above its estimated GF Value™ of TND26.30.
GuruFocus considers Union Bancaire Pour Le Commerce Et l' Industrie Bourse to be Significantly Overvalued.
Key valuation signals for XTUN:UBCI:
EV-to-FCF: -5.79
GF Value™: TND26.30 vs. price of TND39.99 (52.1% above fair value)
No single metric tells the full story. See the XTUN:UBCI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Bancaire Pour Le Commerce Et l' Industrie Bourse Business Description
Union Bancaire Pour Le Commerce Et l' Industrie Bourse engages in the provision of banking and financial services. It offers private, corporate, and institutional banking solutions; cash management; investment banking; international trade; and financial engineering and services such as credit cards and insurances.
71GF Score
Get the complete analysis for XTUN:UBCI
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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