The valuation of financial enterprises is a critical aspect of both investment and strategic decision-making. This paper explores the various methods available for assessing the value of financial enterprises, focusing on the challenges and considerations involved in selecting the most appropriate method for different types of financial entities, such as traditional banks and financial technology (FinTech) companies. By analyzing different valuation techniques such as Discounted Cash Flow (DCF), Relative Valuation (multiples), and Economic Value Added (EVA), the paper highlights their strengths, limitations, and suitable applications based on the enterprise's development stage and market environment. The paper also addresses the emerging role of data analytics and machine learning in enhancing valuation accuracy. Through this analysis, the paper proposes strategies for aligning valuation methodologies with the specific needs of financial enterprises at various stages of growth and operational contexts. The ultimate goal is to provide a comprehensive understanding of the complexities in valuing financial enterprises and offer insights on how to navigate the dynamic landscape of financial valuations.

Financial enterprise;Valuation methods;DCF;FinTech;Data analytics

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DOI： https://doi.org/10.62639/sspjinss02.20250201

Published： 2025