Ageas/ NVAGESY +0.29%73 EV-to-FCF is 7.97 as of Jul. 06, 2026, which is 6% above its 10-year median of 7.50. GuruFocus rates AGESY with a GF Score™ of 73/100 and a GF Value™ of $68.31 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 393 Insurance companies, Ageas/ NV ranks better than 57% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Ageas/ NV's Enterprise Value is $23,879 Mil.
Ageas/ NV's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2,997 Mil. Therefore, Ageas/ NV's EV-to-FCF for today is 7.97.
The historical rank and industry rank for Ageas/ NV's EV-to-FCF or its related term are showing as below:
AGESY'
s EV-to-FCF Range Over the Past 10 Years
Min: -108.96 Med: 7.5 Max: 48.91
Current: 7.97
During the past 13 years, the highest EV-to-FCF of Ageas/ NV was 48.91. The lowest was -108.96. And the median was 7.50.
AGESY's EV-to-FCF is ranked better than 57% of 393
companies
in the Insurance industry
Industry Median: 9.8
vs AGESY: 7.97
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.
Ageas/ NV's share price for today is $80.84.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Ageas/ NV's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $10.580.
* 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.
Ageas/ NV EV-to-FCF Related Terms
Ageas/ NV EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Ageas/ NV'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 - Diversified subindustry, Ageas/ NV'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.
Ageas/ NV EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Ageas/ NV's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Ageas/ NV's EV-to-FCF falls into.
Ageas/ NV's current Enterprise Value is $23,879 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Ageas/ NV's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $2,997 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.
Ageas/ NV (AGESY) has a EV-to-FCF of 7.97 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ageas/ NV and its competitors. This is near median its historical median of 7.50. According to the industry distribution chart, Ageas/ NV ranks #169 out of 393 companies in the Insurance industry, placing it in the top 43%.
Is Ageas/ NV's EV-to-FCF too high?
Ageas/ NV's current EV-to-FCF of 7.97 is near median its 10-year median of 7.50. The Insurance industry median EV-to-FCF is 9.80. Ageas/ NV's value of 7.97 is 18.7% below this industry median. Based on the distribution chart, Ageas/ NV ranks #169 out of 393 companies in the Insurance industry, which is above the industry midpoint. Overall, Ageas/ NV has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ageas/ NV's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Ageas/ NV ranks #169 out of 393 companies for EV-to-FCF. This puts Ageas/ NV in the upper half of its industry. The industry median EV-to-FCF is 9.80. Ageas/ NV's value of 7.97 is 18.7% below this benchmark. While the company's 10-year median is 7.50 vs. the industry median of 9.80, Ageas/ NV has consistently been below 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 9.80, 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. Ageas/ NV's current EV-to-FCF of 7.97 is 18.7% below 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 Ageas/ NV and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ageas/ NV's current EV-to-FCF is 7.97, which is near median its own 10-year median of 7.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ageas/ NV stock overvalued right now?
Based on GuruFocus' analysis, Ageas/ NV (AGESY) is currently considered Modestly Overvalued. The stock's GF Value™ is $68.31, compared to a current price of $80.84 — trading 18.3% above its estimated fair value. The current EV-to-FCF is 7.97, which is near median its 10-year median of 7.50 and 18.7% below the Insurance industry median of 9.80. Ageas/ NV's overall GF Score™ is 73/100 with 8 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 Ageas/ NV (AGESY), the current EV-to-FCF is 7.97 as of Jul. 06, 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 Ageas/ NV (AGESY) Overvalued in 2026?
Based on GuruFocus' analysis, Ageas/ NV stock appears to be overvalued.
The current stock price of $80.84 is trading 18.3% above its estimated GF Value™ of $68.31.
GuruFocus considers Ageas/ NV to be Modestly Overvalued.
Key valuation signals for AGESY:
EV-to-FCF: 7.97 (near median its 10-year median of 7.50)
GF Value™: $68.31 vs. price of $80.84 (18.3% above fair value)
Industry Position: 18.7% below the Insurance median (#169 of 393)
No single metric tells the full story. See the AGESY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ageas was spun out of Fortis during the financial crisis after a consortium including Banco Santander and Royal Bank of Scotland launched a failed bid for ABN Amro. The takeover was badly timed and overly ambitious, and to fund it Fortis started selling noncore divisions while writing down collateralized debt. As Fortis' capital began to decline, the company initiated a rights issue, and suspended the dividend. As Fortis' share price began to decline and financial market conditions continued to deteriorate, with a series of leadership changes, customers began to withdraw deposits. Fortis was approached by the government and sold its domestic banking operations to the Belgian government. It also spun off its asset management and insurance units which later became Ageas.
73GF Score
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