EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, National Life Insurance's Enterprise Value is BDT-9,392 Mil.
National Life Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was BDT2,113 Mil. Therefore, National Life Insurance's EV-to-FCF for today is -4.44.
The historical rank and industry rank for National Life Insurance's EV-to-FCF or its related term are showing as below:
DHA:NATLIFEINS'
s EV-to-FCF Range Over the Past 10 Years
Min: -9.96 Med: -0.87 Max: 17.76
Current: -4.73
During the past 11 years, the highest EV-to-FCF of National Life Insurance was 17.76. The lowest was -9.96. And the median was -0.87.
DHA:NATLIFEINS's EV-to-FCF is ranked better than 98.98% of 393
companies
in the Insurance industry
Industry Median: 9.48
vs DHA:NATLIFEINS: -4.73
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.
National Life Insurance (DHA:NATLIFEINS) 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.
National Life Insurance's PE Ratio (TTM) for today is calculated as:
National Life Insurance's share price for today is BDT108.10.
National Life Insurance'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 BDT188.416.
* 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.
DHA:NATLIFEINS vs AFL, MET, PRU: EV-to-FCF Comparison
For the Insurance - Life subindustry, National Life Insurance'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.
National Life Insurance EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, National Life Insurance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where National Life Insurance's EV-to-FCF falls into.
National Life Insurance's current Enterprise Value is BDT-9,392 Mil.
National Life Insurance'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 BDT2,113 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.
National Life Insurance (DHA:NATLIFEINS) has a EV-to-FCF of -4.44 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on National Life Insurance and its competitors. According to the industry distribution chart, National Life Insurance ranks #4 out of 393 companies in the Insurance industry, placing it in the top 1%.
Is National Life Insurance's EV-to-FCF too high?
National Life Insurance's current EV-to-FCF is -4.44. Based on the distribution chart, National Life Insurance ranks #4 out of 393 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, National Life Insurance has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does National Life Insurance's EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, National Life Insurance ranks #4 out of 393 companies for EV-to-FCF. This places National Life Insurance in the top 1% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.48. 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. 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 National Life Insurance 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. National Life Insurance's current EV-to-FCF is -4.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Life Insurance stock overvalued right now?
Based on GuruFocus' analysis, National Life Insurance (DHA:NATLIFEINS) is currently considered Modestly Undervalued. The stock's GF Value™ is BDT134.31, compared to a current price of BDT108.10 — trading 19.5% below its estimated fair value. The current EV-to-FCF is -4.44. National Life Insurance's overall GF Score™ is 77/100 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 National Life Insurance (DHA:NATLIFEINS), the current EV-to-FCF is -4.44 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 National Life Insurance (DHA:NATLIFEINS) Overvalued in 2026?
Based on GuruFocus' analysis, National Life Insurance stock appears to be undervalued.
The current stock price of BDT108.10 is trading 19.5% below its estimated GF Value™ of BDT134.31.
GuruFocus considers National Life Insurance to be Modestly Undervalued.
Key valuation signals for DHA:NATLIFEINS:
EV-to-FCF: -4.44
GF Value™: BDT134.31 vs. price of BDT108.10 (19.5% below fair value)
No single metric tells the full story. See the DHA:NATLIFEINS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Life Insurance PLC, formerly National Life Insurance Co Ltd is a private sector indigenous life insurance company. It provides multifarious life assurance products that cater to the aspirations and needs as well as the religious beliefs of the clients. The company operates through the following divisions based on the type of insurance products offered; Individual Life Insurance, Group Life Insurance, Bangabandhu Shikkha Bima, Personal Accidental Insurance and Bancassurance. It generates maximum revenue from the Ordinary Life Insurance business.
77GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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