Helia GroupFRA:0GI0 +0.61%71 EV-to-FCF is 14.70 as of Jul. 08, 2026, which is 24% above its 10-year median of 11.82. GuruFocus rates FRA:0GI0 with a GF Score™ of 71/100 and a GF Value™ of €2.35. The stock has 6 warning signs investors should review. Among 392 Insurance companies, Helia Group ranks worse than 65.05% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Helia Group's Enterprise Value is €903.2 Mil.
Helia Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €61.4 Mil. Therefore, Helia Group's EV-to-FCF for today is 14.70.
The historical rank and industry rank for Helia Group's EV-to-FCF or its related term are showing as below:
FRA:0GI0'
s EV-to-FCF Range Over the Past 10 Years
Min: -94.23 Med: 11.82 Max: 29.03
Current: 14.04
During the past 12 years, the highest EV-to-FCF of Helia Group was 29.03. The lowest was -94.23. And the median was 11.82.
FRA:0GI0's EV-to-FCF is ranked worse than 65.05% of 392
companies
in the Insurance industry
Industry Median: 9.645
vs FRA:0GI0: 14.04
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.
Helia Group's PE Ratio (TTM) for today is calculated as:
Helia Group's share price for today is €3.32.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Helia Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.505.
* 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.
Helia Group EV-to-FCF Related Terms
Helia Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Helia Group'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 - Specialty subindustry, Helia Group'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.
Helia Group EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Helia Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Helia Group's EV-to-FCF falls into.
Helia Group's current Enterprise Value is €903.2 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Helia Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €61.4 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.
Helia Group (FRA:0GI0) has a EV-to-FCF of 14.70 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Helia Group and its competitors. This is 24% above median its historical median of 11.82. According to the industry distribution chart, Helia Group ranks #255 out of 392 companies in the Insurance industry, placing it in the top 65.1%.
Is Helia Group's EV-to-FCF too high?
Helia Group's current EV-to-FCF of 14.70 is 24% above median its 10-year median of 11.82. The Insurance industry median EV-to-FCF is 9.65. Helia Group's value of 14.70 is 52.4% above this industry median. Based on the distribution chart, Helia Group ranks #255 out of 392 companies in the Insurance industry, which is below the industry midpoint. Overall, Helia Group has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Helia Group's EV-to-FCF compare to FNF and AXS?
According to the Insurance industry distribution chart, Helia Group ranks #255 out of 392 companies for EV-to-FCF. This places Helia Group in the lower half of its industry. The industry median EV-to-FCF is 9.65. Helia Group's value of 14.70 is 52.4% above this benchmark. While the company's 10-year median is 11.82 vs. the industry median of 9.65, Helia Group 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 9.65, based on 392 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. Helia Group's current EV-to-FCF of 14.70 is 52.4% 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 Helia Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Helia Group's current EV-to-FCF is 14.70, which is 24% above median its own 10-year median of 11.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helia Group stock overvalued right now?
Helia Group (FRA:0GI0) has a current EV-to-FCF of 14.70. The stock's GF Value™ is €2.35, compared to a current price of €3.32 — trading 41.3% above its estimated fair value. The current EV-to-FCF is 14.70, which is 24% above median its 10-year median of 11.82 and 52.4% above the Insurance industry median of 9.65. Helia Group's overall GF Score™ is 71/100 with 6 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 Helia Group (FRA:0GI0), the current EV-to-FCF is 14.70 as of Jul. 08, 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 Helia Group (FRA:0GI0) Overvalued in 2026?
Based on GuruFocus' analysis, Helia Group stock appears to be overvalued.
The current stock price of €3.32 is trading 41.3% above its estimated GF Value™ of €2.35.
Key valuation signals for FRA:0GI0:
EV-to-FCF: 14.70 (24% above median its 10-year median of 11.82)
GF Value™: €2.35 vs. price of €3.32 (41.3% above fair value)
Industry Position: 52.4% above the Insurance median (#255 of 392)
No single metric tells the full story. See the FRA:0GI0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helia listed on the Australian Securities Exchange in 2014 after its US-based parent, Genworth Financial (NYSE: GNW), sold down its stake. It has since exited. With a history spanning over 50 years, Helia is the largest provider of lenders' mortgage insurance, or LMI, in Australia. In Australia, LMI is predominantly purchased on loans with a loan/value ratio, or LVR, above 80%. LMI protects a lender against a potential loss (gap) between the outstanding loan amount and sale proceeds on a delinquent loan property. LMI does not protect the borrower, however the premium is paid by the borrower. It's regulated by the Australian Prudential Regulation Authority, which requires it to meet minimum regulatory capital requirements.
71GF Score
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