Jubilee General Insurance Co (KAR:JGICL) Cyclically Adjusted FCF per Share: ₨1.08 (As of Mar. 2026)

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KAR:JGICL Jubilee General Insurance Co Ltd KAR:JGICL
70 GF Score
Price ₨82.32
GF Value ₨65.20
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Jubilee General Insurance Co Cyclically Adjusted FCF per Share?

Jubilee General Insurance Co KAR:JGICL -9.06% 70 Cyclically Adjusted FCF per Share is ₨1.08 as of Mar. 2026. GuruFocus rates KAR:JGICL with a GF Score™ of 70/100 and a GF Value™ of ₨65.20 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Jubilee General Insurance Co's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₨-0.147. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₨1.08 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Jubilee General Insurance Co's average Cyclically Adjusted FCF Growth Rate was 0.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -26.10% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Jubilee General Insurance Co was -4.80% per year. The lowest was -26.10% per year. And the median was -15.45% per year.

As of today (2026-08-21), Jubilee General Insurance Co's current stock price is ₨82.32. Jubilee General Insurance Co's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₨1.08. Jubilee General Insurance Co's Cyclically Adjusted Price-to-FCF of today is 76.22.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Jubilee General Insurance Co was 94.93. The lowest was 8.59. And the median was 21.66.


Jubilee General Insurance Co  (KAR:JGICL) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Jubilee General Insurance Co's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=82.32/1.08
=76.22

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Jubilee General Insurance Co was 94.93. The lowest was 8.59. And the median was 21.66.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Jubilee General Insurance Co Cyclically Adjusted FCF per Share Related Terms


Jubilee General Insurance Co Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Jubilee General Insurance Co's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Jubilee General Insurance Co Cyclically Adjusted FCF per Share Chart

Jubilee General Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.67 2.23 1.99 1.44 0.90

Jubilee General Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.07 1.11 1.54 0.90 1.08

KAR:JGICL vs BRK.A, AIG, HIG: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Diversified subindustry, Jubilee General Insurance Co's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Jubilee General Insurance Co Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Jubilee General Insurance Co's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Jubilee General Insurance Co's Cyclically Adjusted Price-to-FCF falls into.


KAR:JGICL
70GF Score
Jubilee General Insurance Co Ltd KAR:JGICL
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jubilee General Insurance Co Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Jubilee General Insurance Co's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.147/330.2130*330.2130
=-0.147

Current CPI (Mar. 2026) = 330.2130.

Jubilee General Insurance Co Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.345 241.018 -0.473
201609 0.168 241.428 0.230
201612 2.227 241.432 3.046
201703 -1.217 243.801 -1.648
201706 -0.605 244.955 -0.816
201709 -1.144 246.819 -1.531
201712 0.752 246.524 1.007
201803 -2.163 249.554 -2.862
201806 -0.181 251.989 -0.237
201809 -0.031 252.439 -0.041
201812 3.965 251.233 5.211
201903 -1.205 254.202 -1.565
201906 -0.361 256.143 -0.465
201909 2.564 256.759 3.298
201912 0.732 256.974 0.941
202003 -0.754 258.115 -0.965
202006 0.858 257.797 1.099
202009 1.809 260.280 2.295
202012 -2.576 260.474 -3.266
202103 -0.430 264.877 -0.536
202106 1.002 271.696 1.218
202109 4.580 274.310 5.513
202112 -1.327 278.802 -1.572
202203 0.936 287.504 1.075
202206 2.279 296.311 2.540
202209 2.105 296.808 2.342
202212 0.916 296.797 1.019
202303 8.236 301.836 9.010
202306 -10.225 305.109 -11.066
202309 5.626 307.789 6.036
202312 -3.969 306.746 -4.273
202403 6.927 312.332 7.324
202406 -4.079 314.175 -4.287
202409 -1.497 315.301 -1.568
202412 -5.078 315.605 -5.313
202503 -0.005 319.799 -0.005
202506 -0.625 322.561 -0.640
202509 4.624 324.800 4.701
202512 -3.771 324.054 -3.843
202603 -0.147 330.213 -0.147

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₨1.08 mean?
Jubilee General Insurance Co (KAR:JGICL) has a Cyclically Adjusted FCF per Share of ₨1.08 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Jubilee General Insurance Co and its competitors.
Is Jubilee General Insurance Co's Cyclically Adjusted FCF per Share too high?
Jubilee General Insurance Co's current Cyclically Adjusted FCF per Share is ₨1.08. Overall, Jubilee General Insurance Co has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee General Insurance Co's Cyclically Adjusted FCF per Share compare to BRK.A and AIG?
Jubilee General Insurance Co's Cyclically Adjusted FCF per Share of ₨1.08 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Jubilee General Insurance Co and its competitors. Jubilee General Insurance Co's current Cyclically Adjusted FCF per Share is ₨1.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jubilee General Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Jubilee General Insurance Co (KAR:JGICL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨65.20, compared to a current price of ₨82.32 — trading 26.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ₨1.08. Jubilee General Insurance Co's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Jubilee General Insurance Co (KAR:JGICL), the current Cyclically Adjusted FCF per Share is ₨1.08 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 Jubilee General Insurance Co (KAR:JGICL) Overvalued in 2026?

Based on GuruFocus' analysis, Jubilee General Insurance Co stock appears to be overvalued. The current stock price of ₨82.32 is trading 26.3% above its estimated GF Value™ of ₨65.20. GuruFocus considers Jubilee General Insurance Co to be Modestly Overvalued.

Key valuation signals for KAR:JGICL:

  • Cyclically Adjusted FCF per Share: ₨1.08
  • GF Value™: ₨65.20 vs. price of ₨82.32 (26.3% above fair value)
  • GF Score™: 70/100 with 4 warning signs

No single metric tells the full story. See the KAR:JGICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Jubilee General Insurance Co Business Description

Address I. I. Chundrigar Road, 2nd Floor, Jubilee Insurance House, Karachi, SD, PAK, 74000
Jubilee General Insurance Co Ltd is engaged in the insurance business sector. The Company has six business segments for reporting purposes, namely Fire and property damage, Marine, aviation and transport, Motor, Accident and health, and Miscellaneous. The Company operates in Pakistan and provides the service of assurance to its clients all over the Country through its operative branches.
70GF Score

Get the complete analysis for KAR:JGICL

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨82.32
Price
₨65.20
GF Value