Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Navakij Insurance PCLBKK:NKI-R 59 3-Year FCF Growth Rate is 47.60% as of Mar. 2026, which is 453% above its 10-year median of 8.60. GuruFocus rates BKK:NKI-R with a GF Score™ of 59/100 and a GF Value™ of ฿13.24. The stock has 4 warning signs investors should review. Among 346 Insurance companies, Navakij Insurance PCL ranks better than 81.79% on this metric.
During the past 12 months, Navakij Insurance PCL's average Free Cash Flow per Share Growth Rate was -140.80% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 47.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Navakij Insurance PCL was 192.80% per year. The lowest was -65.40% per year. And the median was 8.60% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Navakij Insurance PCL 3-Year FCF Growth Rate Related Terms
BKK:NKI-R vs CB, PGR, TRV: 3-Year FCF Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Navakij Insurance PCL's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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.
Navakij Insurance PCL 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Navakij Insurance PCL's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Navakij Insurance PCL's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 47.60% mean?
Navakij Insurance PCL (BKK:NKI-R) has a 3-Year FCF Growth Rate of 47.60% as of Mar. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Navakij Insurance PCL and its competitors. This is 453% above median its historical median of 8.60. According to the industry distribution chart, Navakij Insurance PCL ranks #63 out of 346 companies in the Insurance industry, placing it in the top 18.2%.
Is Navakij Insurance PCL's 3-Year FCF Growth Rate too high?
Navakij Insurance PCL's current 3-Year FCF Growth Rate of 47.60% is 453% above median its 10-year median of 8.60. The Insurance industry median 3-Year FCF Growth Rate is 12.65. Navakij Insurance PCL's value of 47.60% is 276.3% above this industry median. Based on the distribution chart, Navakij Insurance PCL ranks #63 out of 346 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Navakij Insurance PCL has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Navakij Insurance PCL's 3-Year FCF Growth Rate compare to CB and PGR?
According to the Insurance industry distribution chart, Navakij Insurance PCL ranks #63 out of 346 companies for 3-Year FCF Growth Rate. This places Navakij Insurance PCL in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 12.65. Navakij Insurance PCL's value of 47.60% is 276.3% above this benchmark. While the company's 10-year median is 8.60 vs. the industry median of 12.65, Navakij Insurance PCL 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 3-Year FCF Growth Rate for an Insurance company?
The median 3-Year FCF Growth Rate among Insurance companies is 12.65, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Navakij Insurance PCL's current 3-Year FCF Growth Rate of 47.60% is 276.3% 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 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Navakij Insurance PCL and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 12.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Navakij Insurance PCL's current 3-Year FCF Growth Rate is 47.60%, which is 453% above median its own 10-year median of 8.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Navakij Insurance PCL stock overvalued right now?
Navakij Insurance PCL (BKK:NKI-R) has a current 3-Year FCF Growth Rate of 47.60%. The stock's GF Value™ is ฿13.24, compared to a current price of ฿13.00 — trading 1.8% below its estimated fair value. The current 3-Year FCF Growth Rate is 47.60%, which is 453% above median its 10-year median of 8.60 and 276.3% above the Insurance industry median of 12.65. Navakij Insurance PCL's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Navakij Insurance PCL (BKK:NKI-R), the current 3-Year FCF Growth Rate is 47.60% as of Mar. 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 Navakij Insurance PCL (BKK:NKI-R) Overvalued in 2026?
Based on GuruFocus' analysis, Navakij Insurance PCL stock appears to be undervalued.
The current stock price of ฿13.00 is trading 1.8% below its estimated GF Value™ of ฿13.24.
Key valuation signals for BKK:NKI-R:
3-Year FCF Growth Rate: 47.60% (453% above median its 10-year median of 8.60)
GF Value™: ฿13.24 vs. price of ฿13.00 (1.8% below fair value)
Industry Position: 276.3% above the Insurance median (#63 of 346)
No single metric tells the full story. See the BKK:NKI-R stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Navakij Insurance PCL is engaged in the provision of non-life insurance. The different kinds of insurance offered by the company include Motor Insurance, Fire Insurance, Marine and Transportation Insurance, and miscellaneous Insurance. The company operates its business in Thailand only.
59GF Score
Get the complete analysis for BKK:NKI-R
3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKK:NKI-R has been successfully added to your 
