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OUTsurance GroupRMRHF 79 EV-to-FCF is 21.11 as of Aug. 22, 2026, which is 63% above its 10-year median of 12.98. GuruFocus rates RMRHF with a GF Score™ of 79/100 and a GF Value™ of $1.08. The stock has 3 warning signs investors should review. Among 390 Insurance companies, OUTsurance Group ranks worse than 76.41% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, OUTsurance Group's Enterprise Value is $7,640 Mil.
OUTsurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $362 Mil. Therefore, OUTsurance Group's EV-to-FCF for today is 21.11.
The historical rank and industry rank for OUTsurance Group's EV-to-FCF or its related term are showing as below:
RMRHF'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.07 Med: 12.98 Max: 111.19
Current: 20.26
During the past 13 years, the highest EV-to-FCF of OUTsurance Group was 111.19. The lowest was 6.07. And the median was 12.98.
RMRHF's EV-to-FCF is ranked worse than 76.41% of 390
companies
in the Insurance industry
Industry Median: 9.31
vs RMRHF: 20.26
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.
OUTsurance Group (OTCPK:RMRHF) EV-to-FCF Explanation
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.
OUTsurance Group's PE Ratio (TTM) for today is calculated as:
OUTsurance Group's share price for today is $1.87.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. OUTsurance Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.185.
* 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.
OUTsurance Group EV-to-FCF Related Terms
OUTsurance Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for OUTsurance 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 - Diversified subindustry, OUTsurance 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.
OUTsurance Group EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where OUTsurance Group's EV-to-FCF falls into.
OUTsurance Group's current Enterprise Value is $7,640 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. OUTsurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $362 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.
OUTsurance Group (RMRHF) has a EV-to-FCF of 21.11 as of Aug. 22, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on OUTsurance Group and its competitors. This is 63% above median its historical median of 12.98. Over the past decade, OUTsurance Group's EV-to-FCF has ranged from 6.07 to 111.19. According to the industry distribution chart, OUTsurance Group ranks #298 out of 390 companies in the Insurance industry, placing it in the top 76.4%.
Is OUTsurance Group's EV-to-FCF too high?
OUTsurance Group's current EV-to-FCF of 21.11 is 63% above median its 10-year median of 12.98. Over the past 10 years, this metric has ranged from a low of 6.07 to a high of 111.19. The Insurance industry median EV-to-FCF is 9.31. OUTsurance Group's value of 21.11 is 126.7% above this industry median. Based on the distribution chart, OUTsurance Group ranks #298 out of 390 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, OUTsurance Group has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #298 out of 390 companies for EV-to-FCF. This places OUTsurance Group in the lower half of its industry. The industry median EV-to-FCF is 9.31. OUTsurance Group's value of 21.11 is 126.7% above this benchmark. Historically, OUTsurance Group's own EV-to-FCF has ranged from 6.07 to 111.19 over the past decade. While the company's 10-year median is 12.98 vs. the industry median of 9.31, OUTsurance 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 9.31, based on 390 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. OUTsurance Group's current EV-to-FCF of 21.11 is 126.7% 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 OUTsurance Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OUTsurance Group's current EV-to-FCF is 21.11, which is 63% above median its own 10-year median of 12.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
OUTsurance Group (RMRHF) has a current EV-to-FCF of 21.11. The stock's GF Value™ is $1.08, compared to a current price of $1.87 — trading 73.1% above its estimated fair value. The current EV-to-FCF is 21.11, which is 63% above median its 10-year median of 12.98 and 126.7% above the Insurance industry median of 9.31. OUTsurance Group's overall GF Score™ is 79/100 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 OUTsurance Group (RMRHF), the current EV-to-FCF is 21.11 as of Aug. 22, 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 OUTsurance Group (RMRHF) Overvalued in 2026?
Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued.
The current stock price of $1.87 is trading 73.1% above its estimated GF Value™ of $1.08.
Key valuation signals for RMRHF:
EV-to-FCF: 21.11 (63% above median its 10-year median of 12.98)
GF Value™: $1.08 vs. price of $1.87 (73.1% above fair value)
Industry Position: 126.7% above the Insurance median (#298 of 390)
No single metric tells the full story. See the RMRHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
79GF Score
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