EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, AMS Osiguranje a.d's Enterprise Value is RSD108 Mil.
AMS Osiguranje a.d's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was RSD74 Mil. Therefore, AMS Osiguranje a.d's EV-to-FCF for today is 1.46.
The historical rank and industry rank for AMS Osiguranje a.d's EV-to-FCF or its related term are showing as below:
XBEL:AMSO'
s EV-to-FCF Range Over the Past 10 Years
Min: -6.63 Med: -2.43 Max: 10.18
Current: 1.46
During the past 13 years, the highest EV-to-FCF of AMS Osiguranje a.d was 10.18. The lowest was -6.63. And the median was -2.43.
XBEL:AMSO's EV-to-FCF is not ranked
in the Insurance industry.
Industry Median: 9.645
vs XBEL:AMSO: 1.46
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.
AMS Osiguranje a.d's PE Ratio (TTM) for today is calculated as:
AMS Osiguranje a.d's share price for today is RSD3950.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. AMS Osiguranje a.d's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was RSD768.896.
* 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.
AMS Osiguranje a.d EV-to-FCF Related Terms
AMS Osiguranje a.d EV-to-FCF Historical Data
* Premium members only.
The historical data trend for AMS Osiguranje a.d'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 - Property & Casualty subindustry, AMS Osiguranje a.d'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.
AMS Osiguranje a.d EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where AMS Osiguranje a.d's EV-to-FCF falls into.
AMS Osiguranje a.d's current Enterprise Value is RSD108 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. AMS Osiguranje a.d's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was RSD74 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.
AMS Osiguranje a.d (XBEL:AMSO) has a EV-to-FCF of 1.46 as of Jul. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AMS Osiguranje a.d and its competitors.
Is AMS Osiguranje a.d's EV-to-FCF too high?
AMS Osiguranje a.d's current EV-to-FCF is 1.46. The Insurance industry median EV-to-FCF is 9.65. AMS Osiguranje a.d's value of 1.46 is 84.9% below this industry median. Overall, AMS Osiguranje a.d has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does AMS Osiguranje a.d's EV-to-FCF compare to CB and PGR?
AMS Osiguranje a.d's EV-to-FCF of 1.46 can be compared against companies in the Insurance industry. The industry median EV-to-FCF is 9.65. AMS Osiguranje a.d's value of 1.46 is 84.9% below this benchmark. 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 9.65, based on 392 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. AMS Osiguranje a.d's current EV-to-FCF of 1.46 is 84.9% 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 AMS Osiguranje a.d and its competitors. For the Insurance industry, the median EV-to-FCF is 9.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMS Osiguranje a.d's current EV-to-FCF is 1.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMS Osiguranje a.d stock overvalued right now?
AMS Osiguranje a.d (XBEL:AMSO) has a current EV-to-FCF of 1.46. The stock's GF Value™ is RSD6,133.85, compared to a current price of RSD3,950.00 — trading 35.6% below its estimated fair value. The current EV-to-FCF is 1.46 and 84.9% below the Insurance industry median of 9.65. AMS Osiguranje a.d's overall GF Score™ is 30/100 with 1 warning sign 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 AMS Osiguranje a.d (XBEL:AMSO), the current EV-to-FCF is 1.46 as of Jul. 08, 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 AMS Osiguranje a.d (XBEL:AMSO) Overvalued in 2026?
Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be undervalued.
The current stock price of RSD3,950.00 is trading 35.6% below its estimated GF Value™ of RSD6,133.85.
Key valuation signals for XBEL:AMSO:
EV-to-FCF: 1.46
GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
Industry Position: 84.9% below the Insurance median
No single metric tells the full story. See the XBEL:AMSO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.
30GF Score
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