Neptune Insurance HoldingsFRA:SN4 +2.17%17 EV-to-FCF is 99.11 as of Jul. 07, 2026, which is 22% above its 10-year median of 80.97. GuruFocus rates FRA:SN4 with a GF Score™ of 17/100. The stock has 3 warning signs investors should review. Among 393 Insurance companies, Neptune Insurance Holdings ranks worse than 96.18% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Neptune Insurance Holdings's Enterprise Value is €4,246.0 Mil.
Neptune Insurance Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €42.8 Mil. Therefore, Neptune Insurance Holdings's EV-to-FCF for today is 99.11.
The historical rank and industry rank for Neptune Insurance Holdings's EV-to-FCF or its related term are showing as below:
FRA:SN4'
s EV-to-FCF Range Over the Past 10 Years
Min: 59.58 Med: 80.97 Max: 101.41
Current: 96.46
During the past 3 years, the highest EV-to-FCF of Neptune Insurance Holdings was 101.41. The lowest was 59.58. And the median was 80.97.
FRA:SN4's EV-to-FCF is ranked worse than 96.18% of 393
companies
in the Insurance industry
Industry Median: 9.8
vs FRA:SN4: 96.46
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.
Neptune Insurance Holdings's PE Ratio (TTM) for today is calculated as:
Neptune Insurance Holdings's share price for today is €28.20.
Neptune Insurance Holdings'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 €-0.178.
* 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.
Neptune Insurance Holdings EV-to-FCF Related Terms
Neptune Insurance Holdings EV-to-FCF Historical Data
* 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 Brokers subindustry, Neptune Insurance 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.
Neptune Insurance Holdings EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Neptune Insurance Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Neptune Insurance Holdings's EV-to-FCF falls into.
Neptune Insurance Holdings's current Enterprise Value is €4,246.0 Mil.
Neptune Insurance Holdings'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 €42.8 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.
Neptune Insurance Holdings (FRA:SN4) has a EV-to-FCF of 99.11 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Neptune Insurance Holdings and its competitors. This is 22% above median its historical median of 80.97. Over the past decade, Neptune Insurance Holdings' EV-to-FCF has ranged from 59.58 to 101.41. According to the industry distribution chart, Neptune Insurance Holdings ranks #378 out of 393 companies in the Insurance industry, placing it in the top 96.2%.
Is Neptune Insurance Holdings' EV-to-FCF too high?
Neptune Insurance Holdings' current EV-to-FCF of 99.11 is 22% above median its 10-year median of 80.97. Over the past 10 years, this metric has ranged from a low of 59.58 to a high of 101.41. The Insurance industry median EV-to-FCF is 9.80. Neptune Insurance Holdings' value of 99.11 is 911.3% above this industry median. Based on the distribution chart, Neptune Insurance Holdings ranks #378 out of 393 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Neptune Insurance Holdings has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Neptune Insurance Holdings' EV-to-FCF compare to CRVL and ARX?
According to the Insurance industry distribution chart, Neptune Insurance Holdings ranks #378 out of 393 companies for EV-to-FCF. This places Neptune Insurance Holdings in the lower half of its industry. The industry median EV-to-FCF is 9.80. Neptune Insurance Holdings' value of 99.11 is 911.3% above this benchmark. Historically, Neptune Insurance Holdings' own EV-to-FCF has ranged from 59.58 to 101.41 over the past decade. While the company's 10-year median is 80.97 vs. the industry median of 9.80, Neptune Insurance 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 9.80, 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. Neptune Insurance Holdings's current EV-to-FCF of 99.11 is 911.3% 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 Neptune Insurance Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Neptune Insurance Holdings's current EV-to-FCF is 99.11, which is 22% above median its own 10-year median of 80.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neptune Insurance Holdings stock overvalued right now?
Neptune Insurance Holdings (FRA:SN4) has a current EV-to-FCF of 99.11. The current EV-to-FCF is 99.11, which is 22% above median its 10-year median of 80.97 and 911.3% above the Insurance industry median of 9.80. Neptune Insurance Holdings' overall GF Score™ is 17/100 with 3 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 Neptune Insurance Holdings (FRA:SN4), the current EV-to-FCF is 99.11 as of Jul. 07, 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.
Neptune Insurance Holdings Inc is a high-growth, profitable, data-driven MGA that offers residential and commercial insurance products, including primary flood insurance, excess flood insurance and parametric earthquake insurance, distributed through a nationwide network of agencies in the United States. The company underwrites and administers the issuance of insurance policies on behalf of a diverse panel of insurance and reinsurance companies and does not take any balance sheet insurance risk or have claims handling responsibility relating to the policies it sells.
17GF Score
Get the complete analysis for FRA:SN4
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:SN4 has been successfully added to your 