New China Life Insurance CoSTU:NCL -0.94%63 EV-to-FCF is 1.51 as of Jul. 05, 2026, which is 21% below its 10-year median of 1.90. GuruFocus rates STU:NCL with a GF Score™ of 63/100 and a GF Value™ of €3.87 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 394 Insurance companies, New China Life Insurance Co ranks better than 89.85% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, New China Life Insurance Co's Enterprise Value is €20,675 Mil.
New China Life Insurance Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €13,682 Mil. Therefore, New China Life Insurance Co's EV-to-FCF for today is 1.51.
The historical rank and industry rank for New China Life Insurance Co's EV-to-FCF or its related term are showing as below:
STU:NCL'
s EV-to-FCF Range Over the Past 10 Years
Min: -308.79 Med: 1.9 Max: 51.27
Current: 1.43
During the past 13 years, the highest EV-to-FCF of New China Life Insurance Co was 51.27. The lowest was -308.79. And the median was 1.90.
STU:NCL's EV-to-FCF is ranked better than 89.85% of 394
companies
in the Insurance industry
Industry Median: 9.72
vs STU:NCL: 1.43
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.
New China Life Insurance Co (STU:NCL) 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.
New China Life Insurance Co's PE Ratio (TTM) for today is calculated as:
New China Life Insurance Co's share price for today is €5.25.
New China Life Insurance 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 €1.431.
* 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.
New China Life Insurance Co EV-to-FCF Related Terms
New China Life Insurance 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 - Life subindustry, New China Life Insurance 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.
New China Life Insurance Co EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, New China Life Insurance Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where New China Life Insurance Co's EV-to-FCF falls into.
New China Life Insurance Co's current Enterprise Value is €20,675 Mil.
New China Life Insurance 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 €13,682 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.
New China Life Insurance Co (STU:NCL) has a EV-to-FCF of 1.51 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on New China Life Insurance Co and its competitors. This is 21% below median its historical median of 1.90. According to the industry distribution chart, New China Life Insurance Co ranks #40 out of 394 companies in the Insurance industry, placing it in the top 10.2%.
Is New China Life Insurance Co's EV-to-FCF too high?
New China Life Insurance Co's current EV-to-FCF of 1.51 is 21% below median its 10-year median of 1.90. The Insurance industry median EV-to-FCF is 9.72. New China Life Insurance Co's value of 1.51 is 84.5% below this industry median. Based on the distribution chart, New China Life Insurance Co ranks #40 out of 394 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, New China Life Insurance Co has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does New China Life Insurance Co's EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, New China Life Insurance Co ranks #40 out of 394 companies for EV-to-FCF. This places New China Life Insurance Co in the top 10% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.72. New China Life Insurance Co's value of 1.51 is 84.5% below this benchmark. While the company's 10-year median is 1.90 vs. the industry median of 9.72, New China Life Insurance Co has consistently been below 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 9.72, 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. New China Life Insurance Co's current EV-to-FCF of 1.51 is 84.5% below 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 New China Life Insurance Co and its competitors. For the Insurance industry, the median EV-to-FCF is 9.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. New China Life Insurance Co's current EV-to-FCF is 1.51, which is 21% below median its own 10-year median of 1.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is New China Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, New China Life Insurance Co (STU:NCL) is currently considered Significantly Overvalued. The stock's GF Value™ is €3.87, compared to a current price of €5.25 — trading 35.7% above its estimated fair value. The current EV-to-FCF is 1.51, which is 21% below median its 10-year median of 1.90 and 84.5% below the Insurance industry median of 9.72. New China Life Insurance Co's overall GF Score™ is 63/100 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 New China Life Insurance Co (STU:NCL), the current EV-to-FCF is 1.51 as of Jul. 05, 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 New China Life Insurance Co (STU:NCL) Overvalued in 2026?
Based on GuruFocus' analysis, New China Life Insurance Co stock appears to be overvalued.
The current stock price of €5.25 is trading 35.7% above its estimated GF Value™ of €3.87.
GuruFocus considers New China Life Insurance Co to be Significantly Overvalued.
Key valuation signals for STU:NCL:
EV-to-FCF: 1.51 (21% below median its 10-year median of 1.90)
GF Value™: €3.87 vs. price of €5.25 (35.7% above fair value)
Industry Position: 84.5% below the Insurance median (#40 of 394)
No single metric tells the full story. See the STU:NCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
New China Life Insurance Co Ltd is headquartered in Beijing and was established in 1996 by a combination of state-owned enterprises and private firms. It is currently the fourth-largest life insurer in China based on total assets. New China Life offers a wide range of life insurance products and services to both individual and institutional customers through its extensive distribution networks and diverse marketing channels. Additionally, it manages and invests insurance funds through its subsidiaries, including its Asset Management Company and Asset Management Company (Hong Kong).
63GF Score
Get the complete analysis for STU:NCL
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
STU:NCL has been successfully added to your 
