Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The historical rank and industry rank for United Cooperative Assurance Co's EV-to-FCF or its related term are showing as below:
SAU:8190'
s EV-to-FCF Range Over the Past 10 Years
Min: -211.7 Med: -2.76 Max: 146.8
Current: -0.63
During the past 13 years, the highest EV-to-FCF of United Cooperative Assurance Co was 146.80. The lowest was -211.70. And the median was -2.76.
SAU:8190's EV-to-FCF is ranked worse than 100% of 394
companies
in the Insurance industry
Industry Median: 9.58
vs SAU:8190: -0.63
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.
United Cooperative Assurance Co (SAU:8190) 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.
United Cooperative Assurance Co's PE Ratio (TTM) for today is calculated as:
United Cooperative Assurance Co's share price for today is ﷼3.15.
United Cooperative Assurance Co'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 ﷼-6.000.
* 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.
United Cooperative Assurance Co EV-to-FCF Related Terms
United Cooperative Assurance Co 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 - Diversified subindustry, United Cooperative Assurance Co'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.
United Cooperative Assurance Co EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, United Cooperative Assurance Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where United Cooperative Assurance Co's EV-to-FCF falls into.
United Cooperative Assurance Co's current Enterprise Value is ﷼127.2 Mil.
United Cooperative Assurance Co'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 ﷼-209.3 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.
United Cooperative Assurance Co (SAU:8190) has a EV-to-FCF of -0.61 as of Jul. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on United Cooperative Assurance Co and its competitors. According to the industry distribution chart, United Cooperative Assurance Co ranks #999999 out of 394 companies in the Insurance industry.
Is United Cooperative Assurance Co's EV-to-FCF too high?
United Cooperative Assurance Co's current EV-to-FCF is -0.61. Based on the distribution chart, United Cooperative Assurance Co ranks #999999 out of 394 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, United Cooperative Assurance Co has a GF Score™ of 64/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does United Cooperative Assurance Co's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, United Cooperative Assurance Co ranks #999999 out of 394 companies for EV-to-FCF. This places United Cooperative Assurance Co in the lower half of its industry. The industry median EV-to-FCF is 9.58. 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 9.58, based on 394 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. 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 United Cooperative Assurance Co and its competitors. For the Insurance industry, the median EV-to-FCF is 9.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Cooperative Assurance Co's current EV-to-FCF is -0.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Cooperative Assurance Co stock overvalued right now?
Based on GuruFocus' analysis, United Cooperative Assurance Co (SAU:8190) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼8.03, compared to a current price of ﷼3.15 — trading 60.8% below its estimated fair value. The current EV-to-FCF is -0.61. United Cooperative Assurance Co's overall GF Score™ is 64/100 with 4 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 United Cooperative Assurance Co (SAU:8190), the current EV-to-FCF is -0.61 as of Jul. 24, 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 United Cooperative Assurance Co (SAU:8190) Overvalued in 2026?
Based on GuruFocus' analysis, United Cooperative Assurance Co stock appears to be undervalued.
The current stock price of ﷼3.15 is trading 60.8% below its estimated GF Value™ of ﷼8.03.
GuruFocus considers United Cooperative Assurance Co to be Possible Value Trap.
Key valuation signals for SAU:8190:
EV-to-FCF: -0.61
GF Value™: ﷼8.03 vs. price of ﷼3.15 (60.8% below fair value)
No single metric tells the full story. See the SAU:8190 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Cooperative Assurance Co Business Description
United Cooperative Assurance Co is a company operating in the insurance sector. Its business is divided into segments including Medical insurance, Motor Insurance, Energy and engineering insurance, and Other classes. The medical insurance segment covers medical costs, medicines, and all other medical services and supplies. Motor Insurance, provides coverage against losses and liability related to motor vehicles, excluding transport insurance. And Other classes segment covers other classes of insurance including property, marine, cargo, aviation, among others. The company generates the majority of the revenue from Motor Insurance.
64GF Score
Get the complete analysis for SAU:8190
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
SAU:8190 has been successfully added to your 
