AIA GroupAAGIY +0.73%61 EV-to-FCF is 15.18 as of Jul. 03, 2026, which is 63% below its 10-year median of 41.02. GuruFocus rates AAGIY with a GF Score™ of 61/100 and a GF Value™ of $37.22 (Fairly Valued). The stock has 2 warning signs investors should review. Among 395 Insurance companies, AIA Group ranks worse than 68.61% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, AIA Group's Enterprise Value is $101,934 Mil.
AIA Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $6,714 Mil. Therefore, AIA Group's EV-to-FCF for today is 15.18.
The historical rank and industry rank for AIA Group's EV-to-FCF or its related term are showing as below:
AAGIY'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.75 Med: 41.02 Max: 88.29
Current: 15.02
During the past 13 years, the highest EV-to-FCF of AIA Group was 88.29. The lowest was 6.75. And the median was 41.02.
AAGIY's EV-to-FCF is ranked worse than 68.61% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs AAGIY: 15.02
EV-to-FCF 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.
EV-to-FCF 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.
AIA Group's share price for today is $37.17.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. AIA Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $2.360.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
AIA Group EV-to-FCF Related Terms
AIA Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for AIA Group's EV-to-FCF 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.
For the Insurance - Life subindustry, AIA Group's EV-to-FCF, along with its competitors' market caps and EV-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.
AIA Group EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where AIA Group's EV-to-FCF falls into.
AIA Group's current Enterprise Value is $101,934 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. AIA Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $6,714 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.
AIA Group (AAGIY) has a EV-to-FCF of 15.18 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AIA Group and its competitors. This is 63% below median its historical median of 41.02. Over the past decade, AIA Group's EV-to-FCF has ranged from 6.75 to 88.29. According to the industry distribution chart, AIA Group ranks #271 out of 395 companies in the Insurance industry, placing it in the top 68.6%.
Is AIA Group's EV-to-FCF too high?
AIA Group's current EV-to-FCF of 15.18 is 63% below median its 10-year median of 41.02. Over the past 10 years, this metric has ranged from a low of 6.75 to a high of 88.29. The Insurance industry median EV-to-FCF is 9.32. AIA Group's value of 15.18 is 62.9% above this industry median. Based on the distribution chart, AIA Group ranks #271 out of 395 companies in the Insurance industry, which is below the industry midpoint. Overall, AIA Group has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #271 out of 395 companies for EV-to-FCF. This places AIA Group in the lower half of its industry. The industry median EV-to-FCF is 9.32. AIA Group's value of 15.18 is 62.9% above this benchmark. Historically, AIA Group's own EV-to-FCF has ranged from 6.75 to 88.29 over the past decade. While the company's 10-year median is 41.02 vs. the industry median of 9.32, AIA Group 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIA Group's current EV-to-FCF of 15.18 is 62.9% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AIA Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIA Group's current EV-to-FCF is 15.18, which is 63% below median its own 10-year median of 41.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAGIY) is currently considered Fairly Valued. The stock's GF Value™ is $37.22, compared to a current price of $37.17 — trading 0.1% below its estimated fair value. The current EV-to-FCF is 15.18, which is 63% below median its 10-year median of 41.02 and 62.9% above the Insurance industry median of 9.32. AIA Group's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For AIA Group (AAGIY), the current EV-to-FCF is 15.18 as of Jul. 03, 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 AIA Group (AAGIY) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be undervalued.
The current stock price of $37.17 is trading 0.1% below its estimated GF Value™ of $37.22.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAGIY:
EV-to-FCF: 15.18 (63% below median its 10-year median of 41.02)
GF Value™: $37.22 vs. price of $37.17 (0.1% below fair value)
Industry Position: 62.9% above the Insurance median (#271 of 395)
No single metric tells the full story. See the AAGIY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
61GF Score
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