NN Group NVCHIX:NNA 55 EV-to-FCF is -11.63 as of Jul. 03, 2026. GuruFocus rates CHIX:NNA with a GF Score™ of 55/100 and a GF Value™ of €51.88 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 395 Insurance companies, NN Group NV ranks worse than 253164.3% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, NN Group NV's Enterprise Value is €27,295 Mil.
NN Group NV's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-2,346 Mil. Therefore, NN Group NV's EV-to-FCF for today is -11.63.
The historical rank and industry rank for NN Group NV's EV-to-FCF or its related term are showing as below:
CHIX:NNa'
s EV-to-FCF Range Over the Past 10 Years
Min: -56.84 Med: -2.58 Max: 304.22
Current: -11.66
During the past 13 years, the highest EV-to-FCF of NN Group NV was 304.22. The lowest was -56.84. And the median was -2.58.
CHIX:NNa's EV-to-FCF is ranked worse than 100% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs CHIX:NNa: -11.66
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.
NN Group NV's PE Ratio (TTM) for today is calculated as:
NN Group NV's share price for today is €75.87.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NN Group NV's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €4.170.
* 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.
NN Group NV EV-to-FCF Related Terms
NN Group NV EV-to-FCF Historical Data
* Premium members only.
The historical data trend for NN Group 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, NN Group 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.
NN Group NV EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, NN Group NV's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where NN Group NV's EV-to-FCF falls into.
NN Group NV's current Enterprise Value is €27,295 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. NN Group NV's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €-2,346 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.
NN Group NV (CHIX:NNA) has a EV-to-FCF of -11.63 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on NN Group NV and its competitors. According to the industry distribution chart, NN Group NV ranks #999999 out of 395 companies in the Insurance industry.
Is NN Group NV's EV-to-FCF too high?
NN Group NV's current EV-to-FCF is -11.63. Based on the distribution chart, NN Group NV ranks #999999 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, NN Group NV has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NN Group NV's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NN Group NV ranks #999999 out of 395 companies for EV-to-FCF. This places NN Group NV in the lower half of its industry. The industry median EV-to-FCF is 9.32. 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. 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 NN Group NV 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. NN Group NV's current EV-to-FCF is -11.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NN Group NV stock overvalued right now?
Based on GuruFocus' analysis, NN Group NV (CHIX:NNA) is currently considered Significantly Overvalued. The stock's GF Value™ is €51.88, compared to a current price of €75.87 — trading 46.2% above its estimated fair value. The current EV-to-FCF is -11.63. NN Group NV's overall GF Score™ is 55/100 with 11 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 NN Group NV (CHIX:NNA), the current EV-to-FCF is -11.63 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 NN Group NV (CHIX:NNA) Overvalued in 2026?
Based on GuruFocus' analysis, NN Group NV stock appears to be overvalued.
The current stock price of €75.87 is trading 46.2% above its estimated GF Value™ of €51.88.
GuruFocus considers NN Group NV to be Significantly Overvalued.
Key valuation signals for CHIX:NNA:
EV-to-FCF: -11.63
GF Value™: €51.88 vs. price of €75.87 (46.2% above fair value)
No single metric tells the full story. See the CHIX:NNA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NN Group is a European insurance company that primarily sells long-term savings in the Netherlands. The business is made up of four divisions: Netherlands life, Netherlands nonlife, insurance Europe, and Japan life. The Netherlands life business is the biggest division and tends to generate around three-quarters of operating income. That business sells traditional spread-based long-term savings and more modern defined-contribution savings. Since 2022, assets that are managed to support the traditional savings products and in-house part of defined-contribution products are managed by Goldman Sachs Asset Management. Since around 2013, NN has closed its domestic individual life insurance products to new business.
55GF Score
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