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During the past 12 months, National Reinsurance of the Philippines's average Free Cash Flow per Share Growth Rate was -45.70% 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 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of National Reinsurance of the Philippines was 81.90% per year. The lowest was -344.80% per year. And the median was 13.25% per year.
National Reinsurance of the Philippines (PHS:NRCP) 3-Year FCF Growth Rate Explanation
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) %.
National Reinsurance of the Philippines 3-Year FCF Growth Rate Related Terms
PHS:NRCP vs RGA, EG, RNR: 3-Year FCF Growth Rate Comparison
For the Insurance - Reinsurance subindustry, National Reinsurance of the Philippines'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.
National Reinsurance of the Philippines 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, National Reinsurance of the Philippines's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where National Reinsurance of the Philippines's 3-Year FCF Growth Rate falls into.
National Reinsurance of the Philippines 3-Year FCF Growth Rate Calculation
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.
National Reinsurance of the Philippines (PHS:NRCP) has a 3-Year FCF Growth Rate of 0.00% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for National Reinsurance of the Philippines and its competitors. According to the industry distribution chart, National Reinsurance of the Philippines ranks #999999 out of 345 companies in the Insurance industry.
Is National Reinsurance of the Philippines' 3-Year FCF Growth Rate too high?
National Reinsurance of the Philippines' current 3-Year FCF Growth Rate is 0.00%. Based on the distribution chart, National Reinsurance of the Philippines ranks #999999 out of 345 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, National Reinsurance of the Philippines has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Reinsurance of the Philippines' 3-Year FCF Growth Rate compare to RGA and EG?
According to the Insurance industry distribution chart, National Reinsurance of the Philippines ranks #999999 out of 345 companies for 3-Year FCF Growth Rate. This places National Reinsurance of the Philippines in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 12.20. 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 12.20, based on 345 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 National Reinsurance of the Philippines and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 12.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Reinsurance of the Philippines'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 National Reinsurance of the Philippines stock overvalued right now?
Based on GuruFocus' analysis, National Reinsurance of the Philippines (PHS:NRCP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱0.59, compared to a current price of ₱1.45 — trading 145.8% above its estimated fair value. The current 3-Year FCF Growth Rate is 0.00%. National Reinsurance of the Philippines' overall GF Score™ is 43/100 with 6 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 National Reinsurance of the Philippines (PHS:NRCP), the current 3-Year FCF Growth Rate is 0.00% as of Jun. 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 National Reinsurance of the Philippines (PHS:NRCP) Overvalued in 2026?
Based on GuruFocus' analysis, National Reinsurance of the Philippines stock appears to be overvalued.
The current stock price of ₱1.45 is trading 145.8% above its estimated GF Value™ of ₱0.59.
GuruFocus considers National Reinsurance of the Philippines to be Significantly Overvalued.
Key valuation signals for PHS:NRCP:
3-Year FCF Growth Rate: 0.00%
GF Value™: ₱0.59 vs. price of ₱1.45 (145.8% above fair value)
No single metric tells the full story. See the PHS:NRCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Reinsurance Corp of the Philippines engages in the provision of reinsurance products and services. It operates through the following businesses: life and non-life. The Life Business includes proportional insurance for individual, ordinary, and group businesses, as well as non-proportional insurance for catastrophe, an excess of loss, and stop loss. Non-Life Business provides insurance on fire, aviation, marine and aviation, casualty, motor, and others.
43GF 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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