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Linea Directa AseguradoraXMAD:LDA +0.15%69 EV-to-OCF is 9.30 as of Aug. 13, 2026, which is 37% below its 10-year median of 14.69. GuruFocus rates XMAD:LDA with a GF Score™ of 69/100 and a GF Value™ of €1.29 (Fairly Valued). The stock has 1 warning sign investors should review. Among 505 Insurance companies, Linea Directa Aseguradora ranks worse than 61.39% on this metric.
The historical rank and industry rank for Linea Directa Aseguradora's EV-to-OCF or its related term are showing as below:
XMAD:LDA'
s EV-to-OCF Range Over the Past 10 Years
Min: 8.3 Med: 14.69 Max: 19.84
Current: 9.3
During the past 6 years, the highest EV-to-OCF of Linea Directa Aseguradora was 19.84. The lowest was 8.30. And the median was 14.69.
XMAD:LDA's EV-to-OCF is ranked worse than 61.39% of 505
companies
in the Insurance industry
Industry Median: 6.56
vs XMAD:LDA: 9.30
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Linea Directa Aseguradora (XMAD:LDA) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Linea Directa Aseguradora's PE Ratio (TTM) for today is calculated as:
Linea Directa Aseguradora's share price for today is €1.296.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Linea Directa Aseguradora's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was €0.090.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Linea Directa Aseguradora EV-to-OCF Related Terms
Linea Directa Aseguradora EV-to-OCF Historical Data
* 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.
For the Insurance - Property & Casualty subindustry, Linea Directa Aseguradora's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.
Linea Directa Aseguradora EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Linea Directa Aseguradora's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Linea Directa Aseguradora's EV-to-OCF falls into.
Linea Directa Aseguradora's current Enterprise Value is €1,379 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Linea Directa Aseguradora's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €148 Mil.
* 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.
Linea Directa Aseguradora (XMAD:LDA) has a EV-to-OCF of 9.30 as of Aug. 13, 2026. This is 37% below median its historical median of 14.69. Over the past decade, Linea Directa Aseguradora's EV-to-OCF has ranged from 8.30 to 19.84. According to the industry distribution chart, Linea Directa Aseguradora ranks #310 out of 505 companies in the Insurance industry, placing it in the top 61.4%.
Is Linea Directa Aseguradora's EV-to-OCF too high?
Linea Directa Aseguradora's current EV-to-OCF of 9.30 is 37% below median its 10-year median of 14.69. Over the past 10 years, this metric has ranged from a low of 8.30 to a high of 19.84. The Insurance industry median EV-to-OCF is 6.56. Linea Directa Aseguradora's value of 9.30 is 41.8% above this industry median. Based on the distribution chart, Linea Directa Aseguradora ranks #310 out of 505 companies in the Insurance industry, which is below the industry midpoint. Overall, Linea Directa Aseguradora has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Linea Directa Aseguradora's EV-to-OCF compare to CB and PGR?
According to the Insurance industry distribution chart, Linea Directa Aseguradora ranks #310 out of 505 companies for EV-to-OCF. This places Linea Directa Aseguradora in the lower half of its industry. The industry median EV-to-OCF is 6.56. Linea Directa Aseguradora's value of 9.30 is 41.8% above this benchmark. Historically, Linea Directa Aseguradora's own EV-to-OCF has ranged from 8.30 to 19.84 over the past decade. While the company's 10-year median is 14.69 vs. the industry median of 6.56, Linea Directa Aseguradora 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 EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.56, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Linea Directa Aseguradora's current EV-to-OCF of 9.30 is 41.8% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Linea Directa Aseguradora's current EV-to-OCF is 9.30, which is 37% below median its own 10-year median of 14.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Linea Directa Aseguradora stock overvalued right now?
Based on GuruFocus' analysis, Linea Directa Aseguradora (XMAD:LDA) is currently considered Fairly Valued. The stock's GF Value™ is €1.29, compared to a current price of €1.30 — trading 0.5% above its estimated fair value. The current EV-to-OCF is 9.30, which is 37% below median its 10-year median of 14.69 and 41.8% above the Insurance industry median of 6.56. Linea Directa Aseguradora's overall GF Score™ is 69/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Linea Directa Aseguradora (XMAD:LDA), the current EV-to-OCF is 9.30 as of Aug. 13, 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 Linea Directa Aseguradora (XMAD:LDA) Overvalued in 2026?
Based on GuruFocus' analysis, Linea Directa Aseguradora stock appears to be overvalued.
The current stock price of €1.30 is trading 0.5% above its estimated GF Value™ of €1.29.
GuruFocus considers Linea Directa Aseguradora to be Fairly Valued.
Key valuation signals for XMAD:LDA:
EV-to-OCF: 9.30 (37% below median its 10-year median of 14.69)
GF Value™: €1.29 vs. price of €1.30 (0.5% above fair value)
Industry Position: 41.8% above the Insurance median (#310 of 505)
No single metric tells the full story. See the XMAD:LDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Linea Directa Aseguradora SA is engaged in insurance and reinsurance activities in the motor, home, and other non-life segments. The company has five operating segments; The motor segment which derives maximum revenue, includes private motor insurance and motorbike insurance, The home segment includes multi-risk home insurance products with theft damage, civil liability, fire damage, aesthetic damage, etc, The health segment includes health insurance products under the Vivaz brand, The other insurance segment includes various products with stand-alone policies that are not linked to motor, home or health insurance, such as travel insurance for holders of credit cards and wellness insurance, and The other activities segment mainly relates to auxiliary insurance businesses, and commissions.
69GF Score
Get the complete analysis for XMAD:LDA
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