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During the past 12 months, Mutual Benefits Assurance's average Free Cash Flow per Share Growth Rate was -113.70% 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 11 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Mutual Benefits Assurance was 76.00% per year. The lowest was -6.20% per year. And the median was 21.60% 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) %.
Mutual Benefits Assurance 3-Year FCF Growth Rate Related Terms
NSA:MBAS vs BRK.A, AIG, HIG: 3-Year FCF Growth Rate Comparison
For the Insurance - Diversified subindustry, Mutual Benefits Assurance'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.
Mutual Benefits Assurance 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Mutual Benefits Assurance's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Mutual Benefits Assurance'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.
Mutual Benefits Assurance (NSA:MBAS) has a 3-Year FCF Growth Rate of 0.00% 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 Mutual Benefits Assurance and its competitors. According to the industry distribution chart, Mutual Benefits Assurance ranks #999999 out of 342 companies in the Insurance industry.
Is Mutual Benefits Assurance's 3-Year FCF Growth Rate too high?
Mutual Benefits Assurance's current 3-Year FCF Growth Rate is 0.00%. Based on the distribution chart, Mutual Benefits Assurance ranks #999999 out of 342 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Mutual Benefits Assurance has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mutual Benefits Assurance's 3-Year FCF Growth Rate compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Mutual Benefits Assurance ranks #999999 out of 342 companies for 3-Year FCF Growth Rate. This places Mutual Benefits Assurance in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 12.50. 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 342 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. 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 Mutual Benefits Assurance 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. Mutual Benefits Assurance's current 3-Year FCF Growth Rate is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mutual Benefits Assurance stock overvalued right now?
Based on GuruFocus' analysis, Mutual Benefits Assurance (NSA:MBAS) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦2.33, compared to a current price of ₦3.15 — trading 35.2% above its estimated fair value. The current 3-Year FCF Growth Rate is 0.00%. Mutual Benefits Assurance's overall GF Score™ is 60/100 with 1 warning sign 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 Mutual Benefits Assurance (NSA:MBAS), the current 3-Year FCF Growth Rate is 0.00% 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 Mutual Benefits Assurance (NSA:MBAS) Overvalued in 2026?
Based on GuruFocus' analysis, Mutual Benefits Assurance stock appears to be overvalued.
The current stock price of ₦3.15 is trading 35.2% above its estimated GF Value™ of ₦2.33.
GuruFocus considers Mutual Benefits Assurance to be Significantly Overvalued.
Key valuation signals for NSA:MBAS:
3-Year FCF Growth Rate: 0.00%
GF Value™: ₦2.33 vs. price of ₦3.15 (35.2% above fair value)
No single metric tells the full story. See the NSA:MBAS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mutual Benefits Assurance PLC is a financial and wealth protection company in Nigeria. The principal objective of the Company is to render qualitative life related insurance & risks management services. It is a premium provider of life insurance, annuity and investment products and services. It has four reportable operating segments; assurance business, real estate, microfinance bank, and oil and gas exploration and production. The majority of revenue comes from Assurance business which covers the protection of customers' assets (Particularly their properties, both for personal and commercial business) and indemnification of other parties that have suffered damage as a result of customers accident. It has presence in Nigeria, and Liberia.
60GF Score
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3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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