EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, HAYAH Insurance Co PJSC's Enterprise Value is د.إ217.57 Mil.
HAYAH Insurance Co PJSC's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was د.إ1.35 Mil. Therefore, HAYAH Insurance Co PJSC's EV-to-FCF for today is 160.93.
The historical rank and industry rank for HAYAH Insurance Co PJSC's EV-to-FCF or its related term are showing as below:
ADX:HAYAH'
s EV-to-FCF Range Over the Past 10 Years
Min: -229.88 Med: -8.63 Max: 189.03
Current: 169.8
During the past 13 years, the highest EV-to-FCF of HAYAH Insurance Co PJSC was 189.03. The lowest was -229.88. And the median was -8.63.
ADX:HAYAH's EV-to-FCF is ranked worse than 96.69% of 393
companies
in the Insurance industry
Industry Median: 9.72
vs ADX:HAYAH: 169.80
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.
HAYAH Insurance Co PJSC (ADX:HAYAH) EV-to-FCF Explanation
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.
HAYAH Insurance Co PJSC's PE Ratio (TTM) for today is calculated as:
HAYAH Insurance Co PJSC's share price for today is د.إ1.26.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. HAYAH Insurance Co PJSC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was د.إ0.008.
* 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.
* 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, HAYAH Insurance Co PJSC'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.
HAYAH Insurance Co PJSC EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, HAYAH Insurance Co PJSC's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where HAYAH Insurance Co PJSC's EV-to-FCF falls into.
HAYAH Insurance Co PJSC's current Enterprise Value is د.إ217.57 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. HAYAH Insurance Co PJSC's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was د.إ1.35 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.
HAYAH Insurance Co PJSC (ADX:HAYAH) has a EV-to-FCF of 160.93 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on HAYAH Insurance Co PJSC and its competitors. According to the industry distribution chart, HAYAH Insurance Co PJSC ranks #380 out of 393 companies in the Insurance industry, placing it in the top 96.7%.
Is HAYAH Insurance Co PJSC's EV-to-FCF too high?
HAYAH Insurance Co PJSC's current EV-to-FCF is 160.93. The Insurance industry median EV-to-FCF is 9.72. HAYAH Insurance Co PJSC's value of 160.93 is 1555.7% above this industry median. Based on the distribution chart, HAYAH Insurance Co PJSC ranks #380 out of 393 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, HAYAH Insurance Co PJSC has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does HAYAH Insurance Co PJSC's EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, HAYAH Insurance Co PJSC ranks #380 out of 393 companies for EV-to-FCF. This places HAYAH Insurance Co PJSC in the lower half of its industry. The industry median EV-to-FCF is 9.72. HAYAH Insurance Co PJSC's value of 160.93 is 1555.7% above this benchmark. 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 9.72, based on 393 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. HAYAH Insurance Co PJSC's current EV-to-FCF of 160.93 is 1555.7% 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 HAYAH Insurance Co PJSC and its competitors. For the Insurance industry, the median EV-to-FCF is 9.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HAYAH Insurance Co PJSC's current EV-to-FCF is 160.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HAYAH Insurance Co PJSC stock overvalued right now?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC (ADX:HAYAH) is currently considered Significantly Undervalued. The stock's GF Value™ is د.إ1.81, compared to a current price of د.إ1.26 — trading 30.4% below its estimated fair value. The current EV-to-FCF is 160.93 and 1555.7% above the Insurance industry median of 9.72. HAYAH Insurance Co PJSC's overall GF Score™ is 63/100 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 HAYAH Insurance Co PJSC (ADX:HAYAH), the current EV-to-FCF is 160.93 as of Jul. 09, 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 HAYAH Insurance Co PJSC (ADX:HAYAH) Overvalued in 2026?
Based on GuruFocus' analysis, HAYAH Insurance Co PJSC stock appears to be undervalued.
The current stock price of د.إ1.26 is trading 30.4% below its estimated GF Value™ of د.إ1.81.
GuruFocus considers HAYAH Insurance Co PJSC to be Significantly Undervalued.
Key valuation signals for ADX:HAYAH:
EV-to-FCF: 160.93
GF Value™: د.إ1.81 vs. price of د.إ1.26 (30.4% below fair value)
Industry Position: 1555.7% above the Insurance median (#380 of 393)
No single metric tells the full story. See the ADX:HAYAH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HAYAH Insurance Co PJSC is engaged in providing health and life insurance solutions. The company has two business operating segments: Medical and Life. The medical insurance segment provides coverage to policyholders, and the life insurance segment offers term life assurance products.
63GF Score
Get the complete analysis for ADX:HAYAH
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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