The historical rank and industry rank for Union Internationale de Banques's EV-to-FCF or its related term are showing as below:
XTUN:UIB'
s EV-to-FCF Range Over the Past 10 Years
Min: -16.14 Med: 1.97 Max: 86.74
Current: 17.5
During the past 11 years, the highest EV-to-FCF of Union Internationale de Banques was 86.74. The lowest was -16.14. And the median was 1.97.
XTUN:UIB's EV-to-FCF is ranked worse than 79.55% of 1193
companies
in the Banks industry
Industry Median: 6.65
vs XTUN:UIB: 17.50
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 Internationale de Banques (XTUN:UIB) 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 Internationale de Banques's PE Ratio (TTM) for today is calculated as:
Union Internationale de Banques's share price for today is TND27.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Union Internationale de Banques's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was TND2.726.
* 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 Internationale de Banques EV-to-FCF Related Terms
Union Internationale de Banques 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.
For the Banks - Regional subindustry, Union Internationale de Banques'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.
Union Internationale de Banques EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques's EV-to-FCF falls into.
Union Internationale de Banques's current Enterprise Value is TND76.9 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Union Internationale de Banques's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was TND4.4 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.
Union Internationale de Banques (XTUN:UIB) has a EV-to-FCF of 17.50 as of Jul. 02, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Union Internationale de Banques and its competitors. This is 788% above median its historical median of 1.97. According to the industry distribution chart, Union Internationale de Banques ranks #949 out of 1193 companies in the Banks industry, placing it in the top 79.5%.
Is Union Internationale de Banques' EV-to-FCF too high?
Union Internationale de Banques' current EV-to-FCF of 17.50 is 788% above median its 10-year median of 1.97. The Banks industry median EV-to-FCF is 6.65. Union Internationale de Banques' value of 17.50 is 163.2% above this industry median. Based on the distribution chart, Union Internationale de Banques ranks #949 out of 1193 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Internationale de Banques has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Union Internationale de Banques ranks #949 out of 1193 companies for EV-to-FCF. This places Union Internationale de Banques in the lower half of its industry. The industry median EV-to-FCF is 6.65. Union Internationale de Banques' value of 17.50 is 163.2% above this benchmark. While the company's 10-year median is 1.97 vs. the industry median of 6.65, Union Internationale de Banques 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 6.65, 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. Union Internationale de Banques's current EV-to-FCF of 17.50 is 163.2% 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 Union Internationale de Banques and its competitors. For the Banks industry, the median EV-to-FCF is 6.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Internationale de Banques's current EV-to-FCF is 17.50, which is 788% above median its own 10-year median of 1.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Fairly Valued. The stock's GF Value™ is TND24.69, compared to a current price of TND27.00 — trading 9.4% above its estimated fair value. The current EV-to-FCF is 17.50, which is 788% above median its 10-year median of 1.97 and 163.2% above the Banks industry median of 6.65. Union Internationale de Banques' overall GF Score™ is 82/100 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 Union Internationale de Banques (XTUN:UIB), the current EV-to-FCF is 17.50 as of Jul. 02, 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 Internationale de Banques (XTUN:UIB) Overvalued in 2026?
Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued.
The current stock price of TND27.00 is trading 9.4% above its estimated GF Value™ of TND24.69.
GuruFocus considers Union Internationale de Banques to be Fairly Valued.
Key valuation signals for XTUN:UIB:
EV-to-FCF: 17.50 (788% above median its 10-year median of 1.97)
GF Value™: TND24.69 vs. price of TND27.00 (9.4% above fair value)
Industry Position: 163.2% above the Banks median (#949 of 1193)
No single metric tells the full story. See the XTUN:UIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Internationale de Banques Business Description
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