FBD HoldingsFBDHF 77 EV-to-FCF is 11.83 as of Jul. 04, 2026, which is 90% above its 10-year median of 6.23. GuruFocus rates FBDHF with a GF Score™ of 77/100 and a GF Value™ of $13.07. The stock has 5 warning signs investors should review. Among 395 Insurance companies, FBD Holdings ranks worse than 58.48% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, FBD Holdings's Enterprise Value is $663.1 Mil.
FBD Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $56.1 Mil. Therefore, FBD Holdings's EV-to-FCF for today is 11.83.
The historical rank and industry rank for FBD Holdings's EV-to-FCF or its related term are showing as below:
FBDHF'
s EV-to-FCF Range Over the Past 10 Years
Min: 2.33 Med: 6.23 Max: 246.04
Current: 11.66
During the past 13 years, the highest EV-to-FCF of FBD Holdings was 246.04. The lowest was 2.33. And the median was 6.23.
FBDHF's EV-to-FCF is ranked worse than 58.48% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FBDHF: 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.
FBD Holdings's PE Ratio (TTM) for today is calculated as:
FBD Holdings's share price for today is $13.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FBD Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.480.
* 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.
FBD Holdings EV-to-FCF Related Terms
FBD Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for FBD Holdings'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 - Property & Casualty subindustry, FBD Holdings'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.
FBD Holdings EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, FBD Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where FBD Holdings's EV-to-FCF falls into.
FBD Holdings's current Enterprise Value is $663.1 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. FBD Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $56.1 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.
FBD Holdings (FBDHF) has a EV-to-FCF of 11.83 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on FBD Holdings and its competitors. This is 90% above median its historical median of 6.23. Over the past decade, FBD Holdings' EV-to-FCF has ranged from 2.33 to 246.04. According to the industry distribution chart, FBD Holdings ranks #231 out of 395 companies in the Insurance industry, placing it in the top 58.5%.
Is FBD Holdings' EV-to-FCF too high?
FBD Holdings' current EV-to-FCF of 11.83 is 90% above median its 10-year median of 6.23. Over the past 10 years, this metric has ranged from a low of 2.33 to a high of 246.04. The Insurance industry median EV-to-FCF is 9.32. FBD Holdings' value of 11.83 is 26.9% above this industry median. Based on the distribution chart, FBD Holdings ranks #231 out of 395 companies in the Insurance industry, which is below the industry midpoint. Overall, FBD Holdings has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does FBD Holdings' EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, FBD Holdings ranks #231 out of 395 companies for EV-to-FCF. This places FBD Holdings in the lower half of its industry. The industry median EV-to-FCF is 9.32. FBD Holdings' value of 11.83 is 26.9% above this benchmark. Historically, FBD Holdings' own EV-to-FCF has ranged from 2.33 to 246.04 over the past decade. While the company's 10-year median is 6.23 vs. the industry median of 9.32, FBD Holdings has consistently been above 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 9.32, 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. FBD Holdings's current EV-to-FCF of 11.83 is 26.9% 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 FBD Holdings 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. FBD Holdings's current EV-to-FCF is 11.83, which is 90% above median its own 10-year median of 6.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FBD Holdings stock overvalued right now?
FBD Holdings (FBDHF) has a current EV-to-FCF of 11.83. The stock's GF Value™ is $13.07, compared to a current price of $13.00 — trading 0.5% below its estimated fair value. The current EV-to-FCF is 11.83, which is 90% above median its 10-year median of 6.23 and 26.9% above the Insurance industry median of 9.32. FBD Holdings' overall GF Score™ is 77/100 with 5 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 FBD Holdings (FBDHF), the current EV-to-FCF is 11.83 as of Jul. 04, 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 FBD Holdings (FBDHF) Overvalued in 2026?
Based on GuruFocus' analysis, FBD Holdings stock appears to be undervalued.
The current stock price of $13.00 is trading 0.5% below its estimated GF Value™ of $13.07.
Key valuation signals for FBDHF:
EV-to-FCF: 11.83 (90% above median its 10-year median of 6.23)
GF Value™: $13.07 vs. price of $13.00 (0.5% below fair value)
Industry Position: 26.9% above the Insurance median (#231 of 395)
No single metric tells the full story. See the FBDHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FBD Holdings PLC is a property and casualty insurer that looks after the insurance needs of farmers, consumers, and business owners. The company operates through two segments: General Insurance and Other Group Activities. General insurance: This includes all underwriting activities for motor and non-motor products. Other services: Comprises all non-underwriting activities, including administrative functions and financial services. The majority of revenue is from General Insurance. The Group's operations are located in Ireland.
77GF Score
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