Medibank PvtFRA:MPV -0.67%77 EV-to-FCF is 64.71 as of Jun. 29, 2026, which is 225% above its 10-year median of 19.90. GuruFocus rates FRA:MPV with a GF Score™ of 77/100 and a GF Value™ of €2.61. The stock has 6 warning signs investors should review. Among 395 Insurance companies, Medibank Pvt ranks worse than 94.43% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Medibank Pvt's Enterprise Value is €8,205 Mil.
Medibank Pvt's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €127 Mil. Therefore, Medibank Pvt's EV-to-FCF for today is 64.71.
The historical rank and industry rank for Medibank Pvt's EV-to-FCF or its related term are showing as below:
FRA:MPV'
s EV-to-FCF Range Over the Past 10 Years
Min: -12.21 Med: 19.9 Max: 71.4
Current: 59.72
During the past 11 years, the highest EV-to-FCF of Medibank Pvt was 71.40. The lowest was -12.21. And the median was 19.90.
FRA:MPV's EV-to-FCF is ranked worse than 94.43% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FRA:MPV: 59.72
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.
Medibank Pvt's PE Ratio (TTM) for today is calculated as:
Medibank Pvt's share price for today is €2.96.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Medibank Pvt's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.095.
* 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.
Medibank Pvt EV-to-FCF Related Terms
Medibank Pvt EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Medibank Pvt'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, Medibank Pvt'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.
Medibank Pvt EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Medibank Pvt's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Medibank Pvt's EV-to-FCF falls into.
Medibank Pvt's current Enterprise Value is €8,205 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Medibank Pvt's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €127 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.
Medibank Pvt (FRA:MPV) has a EV-to-FCF of 64.71 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Medibank Pvt and its competitors. This is 225% above median its historical median of 19.90. According to the industry distribution chart, Medibank Pvt ranks #373 out of 395 companies in the Insurance industry, placing it in the top 94.4%.
Is Medibank Pvt's EV-to-FCF too high?
Medibank Pvt's current EV-to-FCF of 64.71 is 225% above median its 10-year median of 19.90. The Insurance industry median EV-to-FCF is 9.32. Medibank Pvt's value of 64.71 is 594.3% above this industry median. Based on the distribution chart, Medibank Pvt ranks #373 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Medibank Pvt has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Medibank Pvt's EV-to-FCF compare to FNF and AXS?
According to the Insurance industry distribution chart, Medibank Pvt ranks #373 out of 395 companies for EV-to-FCF. This places Medibank Pvt in the lower half of its industry. The industry median EV-to-FCF is 9.32. Medibank Pvt's value of 64.71 is 594.3% above this benchmark. While the company's 10-year median is 19.90 vs. the industry median of 9.32, Medibank Pvt 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. Medibank Pvt's current EV-to-FCF of 64.71 is 594.3% 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 Medibank Pvt 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. Medibank Pvt's current EV-to-FCF is 64.71, which is 225% above median its own 10-year median of 19.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Medibank Pvt stock overvalued right now?
Medibank Pvt (FRA:MPV) has a current EV-to-FCF of 64.71. The stock's GF Value™ is €2.61, compared to a current price of €2.96 — trading 13.4% above its estimated fair value. The current EV-to-FCF is 64.71, which is 225% above median its 10-year median of 19.90 and 594.3% above the Insurance industry median of 9.32. Medibank Pvt's overall GF Score™ is 77/100 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 Medibank Pvt (FRA:MPV), the current EV-to-FCF is 64.71 as of Jun. 29, 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 Medibank Pvt (FRA:MPV) Overvalued in 2026?
Based on GuruFocus' analysis, Medibank Pvt stock appears to be overvalued.
The current stock price of €2.96 is trading 13.4% above its estimated GF Value™ of €2.61.
Key valuation signals for FRA:MPV:
EV-to-FCF: 64.71 (225% above median its 10-year median of 19.90)
GF Value™: €2.61 vs. price of €2.96 (13.4% above fair value)
Industry Position: 594.3% above the Insurance median (#373 of 395)
No single metric tells the full story. See the FRA:MPV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Previously owned by the Australian government, Medibank is the largest health insurer in Australia. Its two brands, Medibank Private and Ahm, cover around 5 million people. Medibank and Australia's fourth-largest health fund, NIB Holdings, are the only listed health insurers. In addition to private health insurance, the firm provides life, pet, and travel insurance, as well as health insurance for overseas students and temporary overseas workers. The Medibank Health division provides healthcare services to businesses, governments, and communities across Australia and New Zealand.
77GF Score
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