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ClienteleJSE:CLI 48 EV-to-FCF is 26.77 as of Jul. 14, 2026, which is 204% above its 10-year median of 8.81. GuruFocus rates JSE:CLI with a GF Score™ of 48/100 and a GF Value™ of R18.50 (Fairly Valued). The stock has 8 warning signs investors should review. Among 395 Insurance companies, Clientele ranks worse than 84.81% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Clientele's Enterprise Value is R9,552 Mil.
Clientele's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was R357 Mil. Therefore, Clientele's EV-to-FCF for today is 26.77.
The historical rank and industry rank for Clientele's EV-to-FCF or its related term are showing as below:
JSE:CLI'
s EV-to-FCF Range Over the Past 10 Years
Min: -3395.05 Med: 8.81 Max: 1079.25
Current: 26.77
During the past 13 years, the highest EV-to-FCF of Clientele was 1079.25. The lowest was -3395.05. And the median was 8.81.
JSE:CLI's EV-to-FCF is ranked worse than 84.81% of 395
companies
in the Insurance industry
Industry Median: 9.97
vs JSE:CLI: 26.77
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.
Clientele's share price for today is R19.71.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Clientele's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was R1.802.
* 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.
Clientele EV-to-FCF Related Terms
Clientele EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Clientele'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 - Diversified subindustry, Clientele'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.
Clientele EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Clientele's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Clientele's EV-to-FCF falls into.
Clientele's current Enterprise Value is R9,552 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Clientele's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was R357 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.
Clientele (JSE:CLI) has a EV-to-FCF of 26.77 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Clientele and its competitors. This is 204% above median its historical median of 8.81. According to the industry distribution chart, Clientele ranks #335 out of 395 companies in the Insurance industry, placing it in the top 84.8%.
Is Clientele's EV-to-FCF too high?
Clientele's current EV-to-FCF of 26.77 is 204% above median its 10-year median of 8.81. The Insurance industry median EV-to-FCF is 9.97. Clientele's value of 26.77 is 168.5% above this industry median. Based on the distribution chart, Clientele ranks #335 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Clientele has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Clientele's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Clientele ranks #335 out of 395 companies for EV-to-FCF. This places Clientele in the lower half of its industry. The industry median EV-to-FCF is 9.97. Clientele's value of 26.77 is 168.5% above this benchmark. While the company's 10-year median is 8.81 vs. the industry median of 9.97, Clientele 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 9.97, 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. Clientele's current EV-to-FCF of 26.77 is 168.5% 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 Clientele and its competitors. For the Insurance industry, the median EV-to-FCF is 9.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clientele's current EV-to-FCF is 26.77, which is 204% above median its own 10-year median of 8.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clientele stock overvalued right now?
Based on GuruFocus' analysis, Clientele (JSE:CLI) is currently considered Fairly Valued. The stock's GF Value™ is R18.50, compared to a current price of R19.71 — trading 6.5% above its estimated fair value. The current EV-to-FCF is 26.77, which is 204% above median its 10-year median of 8.81 and 168.5% above the Insurance industry median of 9.97. Clientele's overall GF Score™ is 48/100 with 8 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 Clientele (JSE:CLI), the current EV-to-FCF is 26.77 as of Jul. 14, 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 Clientele (JSE:CLI) Overvalued in 2026?
Based on GuruFocus' analysis, Clientele stock appears to be overvalued.
The current stock price of R19.71 is trading 6.5% above its estimated GF Value™ of R18.50.
GuruFocus considers Clientele to be Fairly Valued.
Key valuation signals for JSE:CLI:
EV-to-FCF: 26.77 (204% above median its 10-year median of 8.81)
GF Value™: R18.50 vs. price of R19.71 (6.5% above fair value)
Industry Position: 168.5% above the Insurance median (#335 of 395)
No single metric tells the full story. See the JSE:CLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clientele Ltd is a diversified financial services group. It markets, distributes, and underwrites insurance and investment products. The company's operating segment includes Clientele Life Insurance, 1Life Insurance, Non-Life Insurance, Emerald Life Insurance, and CBC Rewards, Mobile & Direct Rewards. Its insurance products and services include Legal, Mobile, Wealth, Credit Life, Investments, and others. It generates maximum revenue from the 1Life insurance segment, which involves the sale and administration of long-term insurance risk policies. The group currently operates in the South African market only.
48GF Score
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