Thai Life Insurance PCLBKK:TLI 63 EV-to-FCF is 7.55 as of Jul. 11, 2026, which is 43% below its 10-year median of 13.35. GuruFocus rates BKK:TLI with a GF Score™ of 63/100 and a GF Value™ of ฿7.10 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 393 Insurance companies, Thai Life Insurance PCL ranks better than 59.8% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Thai Life Insurance PCL's Enterprise Value is ฿121,731 Mil.
Thai Life Insurance PCL's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ฿16,125 Mil. Therefore, Thai Life Insurance PCL's EV-to-FCF for today is 7.55.
The historical rank and industry rank for Thai Life Insurance PCL's EV-to-FCF or its related term are showing as below:
BKK:TLI'
s EV-to-FCF Range Over the Past 10 Years
Min: -23.22 Med: 13.35 Max: 108.34
Current: 7.55
During the past 9 years, the highest EV-to-FCF of Thai Life Insurance PCL was 108.34. The lowest was -23.22. And the median was 13.35.
BKK:TLI's EV-to-FCF is ranked better than 59.8% of 393
companies
in the Insurance industry
Industry Median: 9.48
vs BKK:TLI: 7.55
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.
Thai Life Insurance PCL (BKK:TLI) 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.
Thai Life Insurance PCL's PE Ratio (TTM) for today is calculated as:
Thai Life Insurance PCL's share price for today is ฿11.90.
Thai Life Insurance PCL's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ฿1.090.
* 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. 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, Thai Life Insurance PCL'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.
Thai Life Insurance PCL EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Thai Life Insurance PCL's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Thai Life Insurance PCL's EV-to-FCF falls into.
Thai Life Insurance PCL's current Enterprise Value is ฿121,731 Mil.
Thai Life Insurance PCL's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ฿16,125 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.
Thai Life Insurance PCL (BKK:TLI) has a EV-to-FCF of 7.55 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Thai Life Insurance PCL and its competitors. This is 43% below median its historical median of 13.35. According to the industry distribution chart, Thai Life Insurance PCL ranks #158 out of 393 companies in the Insurance industry, placing it in the top 40.2%.
Is Thai Life Insurance PCL's EV-to-FCF too high?
Thai Life Insurance PCL's current EV-to-FCF of 7.55 is 43% below median its 10-year median of 13.35. The Insurance industry median EV-to-FCF is 9.48. Thai Life Insurance PCL's value of 7.55 is 20.4% below this industry median. Based on the distribution chart, Thai Life Insurance PCL ranks #158 out of 393 companies in the Insurance industry, which is above the industry midpoint. Overall, Thai Life Insurance PCL has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Thai Life Insurance PCL's EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, Thai Life Insurance PCL ranks #158 out of 393 companies for EV-to-FCF. This puts Thai Life Insurance PCL in the upper half of its industry. The industry median EV-to-FCF is 9.48. Thai Life Insurance PCL's value of 7.55 is 20.4% below this benchmark. While the company's 10-year median is 13.35 vs. the industry median of 9.48, Thai Life Insurance PCL 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 9.48, 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. Thai Life Insurance PCL's current EV-to-FCF of 7.55 is 20.4% 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 Thai Life Insurance PCL and its competitors. For the Insurance industry, the median EV-to-FCF is 9.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thai Life Insurance PCL's current EV-to-FCF is 7.55, which is 43% below median its own 10-year median of 13.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thai Life Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Thai Life Insurance PCL (BKK:TLI) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿7.10, compared to a current price of ฿11.90 — trading 67.6% above its estimated fair value. The current EV-to-FCF is 7.55, which is 43% below median its 10-year median of 13.35 and 20.4% below the Insurance industry median of 9.48. Thai Life Insurance PCL's overall GF Score™ is 63/100 with 3 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 Thai Life Insurance PCL (BKK:TLI), the current EV-to-FCF is 7.55 as of Jul. 11, 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 Thai Life Insurance PCL (BKK:TLI) Overvalued in 2026?
Based on GuruFocus' analysis, Thai Life Insurance PCL stock appears to be overvalued.
The current stock price of ฿11.90 is trading 67.6% above its estimated GF Value™ of ฿7.10.
GuruFocus considers Thai Life Insurance PCL to be Significantly Overvalued.
Key valuation signals for BKK:TLI:
EV-to-FCF: 7.55 (43% below median its 10-year median of 13.35)
GF Value™: ฿7.10 vs. price of ฿11.90 (67.6% above fair value)
Industry Position: 20.4% below the Insurance median (#158 of 393)
No single metric tells the full story. See the BKK:TLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thai Life Insurance PCL is a life insurance company. It provides integrated products covering personal accident insurance and group insurance. Its segment includes agent channel; and partnership and other channels, which include commercial banks, government banks, leasing & hire purchase, consumer finance, direct marketing, group employee benefits, and digital. The company generates maximum revenue from the agent channel segment.
63GF Score
Get the complete analysis for BKK:TLI
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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