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Enterprise GroupXGHA:EGL +0.10%71 EV-to-FCF is 3.06 as of Jul. 30, 2026, which is 100% above its 10-year median of 1.53. GuruFocus rates XGHA:EGL with a GF Score™ of 71/100 and a GF Value™ of GHS4.99 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 394 Insurance companies, Enterprise Group ranks better than 83.5% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Enterprise Group's Enterprise Value is GHS1,782 Mil.
Enterprise Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was GHS582 Mil. Therefore, Enterprise Group's EV-to-FCF for today is 3.06.
The historical rank and industry rank for Enterprise Group's EV-to-FCF or its related term are showing as below:
XGHA:EGL'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.44 Med: 1.53 Max: 6.68
Current: 3.06
During the past 13 years, the highest EV-to-FCF of Enterprise Group was 6.68. The lowest was 0.44. And the median was 1.53.
XGHA:EGL's EV-to-FCF is ranked better than 83.5% of 394
companies
in the Insurance industry
Industry Median: 9.415
vs XGHA:EGL: 3.06
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.
Enterprise Group's PE Ratio (TTM) for today is calculated as:
Enterprise Group's share price for today is GHS10.04.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Enterprise Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was GHS1.277.
* 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.
Enterprise Group EV-to-FCF Related Terms
Enterprise Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Enterprise 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 - Life subindustry, Enterprise 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.
Enterprise Group EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Enterprise Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Enterprise Group's EV-to-FCF falls into.
Enterprise Group's current Enterprise Value is GHS1,782 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Enterprise Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was GHS582 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.
Enterprise Group (XGHA:EGL) has a EV-to-FCF of 3.06 as of Jul. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Enterprise Group and its competitors. This is 100% above median its historical median of 1.53. Over the past decade, Enterprise Group's EV-to-FCF has ranged from 0.44 to 6.68. According to the industry distribution chart, Enterprise Group ranks #65 out of 394 companies in the Insurance industry, placing it in the top 16.5%.
Is Enterprise Group's EV-to-FCF too high?
Enterprise Group's current EV-to-FCF of 3.06 is 100% above median its 10-year median of 1.53. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 6.68. The Insurance industry median EV-to-FCF is 9.42. Enterprise Group's value of 3.06 is 67.5% below this industry median. Based on the distribution chart, Enterprise Group ranks #65 out of 394 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Enterprise Group has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Group's EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, Enterprise Group ranks #65 out of 394 companies for EV-to-FCF. This places Enterprise Group in the top 17% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.42. Enterprise Group's value of 3.06 is 67.5% below this benchmark. Historically, Enterprise Group's own EV-to-FCF has ranged from 0.44 to 6.68 over the past decade. While the company's 10-year median is 1.53 vs. the industry median of 9.42, Enterprise Group 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 9.42, 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. Enterprise Group's current EV-to-FCF of 3.06 is 67.5% 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 Enterprise Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enterprise Group's current EV-to-FCF is 3.06, which is 100% above median its own 10-year median of 1.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enterprise Group stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Group (XGHA:EGL) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS4.99, compared to a current price of GHS10.04 — trading 101.2% above its estimated fair value. The current EV-to-FCF is 3.06, which is 100% above median its 10-year median of 1.53 and 67.5% below the Insurance industry median of 9.42. Enterprise Group's overall GF Score™ is 71/100 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 Enterprise Group (XGHA:EGL), the current EV-to-FCF is 3.06 as of Jul. 30, 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 Enterprise Group (XGHA:EGL) Overvalued in 2026?
Based on GuruFocus' analysis, Enterprise Group stock appears to be overvalued.
The current stock price of GHS10.04 is trading 101.2% above its estimated GF Value™ of GHS4.99.
GuruFocus considers Enterprise Group to be Significantly Overvalued.
Key valuation signals for XGHA:EGL:
EV-to-FCF: 3.06 (100% above median its 10-year median of 1.53)
GF Value™: GHS4.99 vs. price of GHS10.04 (101.2% above fair value)
Industry Position: 67.5% below the Insurance median (#65 of 394)
No single metric tells the full story. See the XGHA:EGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enterprise Group Ltd is engaged in the business of investments, life, non-life, and health insurance underwriting, pension fund management, provision of funeral services, and real estate development and management. It also underwrites insurance risks associated with death, disability, health, property, and liability. The company is organized into seven operating segments. These segments are Non-life insurance business; Life assurance business; Health insurance business; Pension administration; Real estate; Funeral services; and Investments. The company derives its revenues from the non-life insurance business. The company operates in Ghana, The Gambia, and Nigeria. The majority of revenue is from Ghana.
71GF Score
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