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AFMACAS:AFM 81 3-Year FCF Growth Rate is 46.10% as of Dec. 2025, which is at its 10-year median of 46.10. GuruFocus rates CAS:AFM with a GF Score™ of 81/100 and a GF Value™ of MAD1,584.71 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 340 Insurance companies, AFMA ranks better than 80.88% on this metric.
During the past 12 months, AFMA's average Free Cash Flow per Share Growth Rate was -115.10% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 46.10% 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 12 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of AFMA was 327.50% per year. The lowest was -148.60% per year. And the median was 46.10% 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) %.
AFMA 3-Year FCF Growth Rate Related Terms
CAS:AFM vs MRSH, AON, AJG: 3-Year FCF Growth Rate Comparison
For the Insurance Brokers subindustry, AFMA'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.
AFMA 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, AFMA's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where AFMA'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 46.10% mean?
AFMA (CAS:AFM) has a 3-Year FCF Growth Rate of 46.10% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for AFMA and its competitors. This is near median its historical median of 46.10. According to the industry distribution chart, AFMA ranks #65 out of 340 companies in the Insurance industry, placing it in the top 19.1%.
Is AFMA's 3-Year FCF Growth Rate too high?
AFMA's current 3-Year FCF Growth Rate of 46.10% is near median its 10-year median of 46.10. The Insurance industry median 3-Year FCF Growth Rate is 12.50. AFMA's value of 46.10% is 268.8% above this industry median. Based on the distribution chart, AFMA ranks #65 out of 340 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, AFMA has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AFMA's 3-Year FCF Growth Rate compare to MRSH and AON?
According to the Insurance industry distribution chart, AFMA ranks #65 out of 340 companies for 3-Year FCF Growth Rate. This places AFMA in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 12.50. AFMA's value of 46.10% is 268.8% above this benchmark. While the company's 10-year median is 46.10 vs. the industry median of 12.50, AFMA 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 12.50, based on 340 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. AFMA's current 3-Year FCF Growth Rate of 46.10% is 268.8% 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 AFMA and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 12.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AFMA's current 3-Year FCF Growth Rate is 46.10%, which is near median its own 10-year median of 46.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AFMA stock overvalued right now?
Based on GuruFocus' analysis, AFMA (CAS:AFM) is currently considered Modestly Undervalued. The stock's GF Value™ is MAD1,584.71, compared to a current price of MAD1,293.00 — trading 18.4% below its estimated fair value. The current 3-Year FCF Growth Rate is 46.10%, which is near median its 10-year median of 46.10 and 268.8% above the Insurance industry median of 12.50. AFMA's overall GF Score™ is 81/100 with 5 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 AFMA (CAS:AFM), the current 3-Year FCF Growth Rate is 46.10% as of Dec. 2025. 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 AFMA (CAS:AFM) Overvalued in 2026?
Based on GuruFocus' analysis, AFMA stock appears to be undervalued.
The current stock price of MAD1,293.00 is trading 18.4% below its estimated GF Value™ of MAD1,584.71.
GuruFocus considers AFMA to be Modestly Undervalued.
Key valuation signals for CAS:AFM:
3-Year FCF Growth Rate: 46.10% (near median its 10-year median of 46.10)
GF Value™: MAD1,584.71 vs. price of MAD1,293.00 (18.4% below fair value)
Industry Position: 268.8% above the Insurance median (#65 of 340)
No single metric tells the full story. See the CAS:AFM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AFMA SA provides insurance brokerage services in Morocco. It offers insurance products including Damage Insurance, Insurance Operating Losses, Civil Responsibilities, Car insurance, Transport Insurance, Construction-Related Insurance, Insurance of Persons and Credit insurance. It provides insurance services to both individuals and corporate clients.
81GF Score
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