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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, National Life Insurance Co.'s Enterprise Value is NPR21,686 Mil.
National Life Insurance Co.'s Free Cash Flow for the trailing twelve months (TTM) ended in Apr. 2026 was NPR3,754 Mil. Therefore, National Life Insurance Co.'s EV-to-FCF for today is 5.78.
The historical rank and industry rank for National Life Insurance Co.'s EV-to-FCF or its related term are showing as below:
XNEP:NLICL'
s EV-to-FCF Range Over the Past 10 Years
Min: 0.9 Med: 3.9 Max: 11.17
Current: 6.17
During the past 13 years, the highest EV-to-FCF of National Life Insurance Co. was 11.17. The lowest was 0.90. And the median was 3.90.
XNEP:NLICL's EV-to-FCF is ranked better than 66.92% of 393
companies
in the Insurance industry
Industry Median: 9.38
vs XNEP:NLICL: 6.17
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.
National Life Insurance Co. (XNEP:NLICL) 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.
National Life Insurance Co.'s PE Ratio (TTM) for today is calculated as:
National Life Insurance Co.'s share price for today is NPR562.00.
National Life Insurance Co.'s Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Apr. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was NPR18.708.
* 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.
National Life Insurance Co. EV-to-FCF Related Terms
National 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, National 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.
National Life Insurance Co. EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, National Life Insurance Co.'s EV-to-FCF distribution charts can be found below:
* The bar in red indicates where National Life Insurance Co.'s EV-to-FCF falls into.
National Life Insurance Co.'s current Enterprise Value is NPR21,686 Mil.
National Life Insurance Co.'s Free Cash Flow for the trailing twelve months (TTM) ended in Apr. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was NPR3,754 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.
National Life Insurance Co. (XNEP:NLICL) has a EV-to-FCF of 5.78 as of Aug. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on National Life Insurance Co. and its competitors. This is 48% above median its historical median of 3.90. Over the past decade, National Life Insurance Co.'s EV-to-FCF has ranged from 0.90 to 11.17. According to the industry distribution chart, National Life Insurance Co. ranks #130 out of 393 companies in the Insurance industry, placing it in the top 33.1%.
Is National Life Insurance Co.'s EV-to-FCF too high?
National Life Insurance Co.'s current EV-to-FCF of 5.78 is 48% above median its 10-year median of 3.90. Over the past 10 years, this metric has ranged from a low of 0.90 to a high of 11.17. The Insurance industry median EV-to-FCF is 9.38. National Life Insurance Co.'s value of 5.78 is 38.4% below this industry median. Based on the distribution chart, National Life Insurance Co. ranks #130 out of 393 companies in the Insurance industry, which is above the industry midpoint. Overall, National Life Insurance Co. has a GF Score™ of 98/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does National Life Insurance Co.'s EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, National Life Insurance Co. ranks #130 out of 393 companies for EV-to-FCF. This puts National Life Insurance Co. in the upper half of its industry. The industry median EV-to-FCF is 9.38. National Life Insurance Co.'s value of 5.78 is 38.4% below this benchmark. Historically, National Life Insurance Co.'s own EV-to-FCF has ranged from 0.90 to 11.17 over the past decade. While the company's 10-year median is 3.90 vs. the industry median of 9.38, National 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 9.38, based on 393 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. National Life Insurance Co.'s current EV-to-FCF of 5.78 is 38.4% 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 National Life Insurance Co. and its competitors. For the Insurance industry, the median EV-to-FCF is 9.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Life Insurance Co.'s current EV-to-FCF is 5.78, which is 48% above median its own 10-year median of 3.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Life Insurance Co. stock overvalued right now?
Based on GuruFocus' analysis, National Life Insurance Co. (XNEP:NLICL) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR630.64, compared to a current price of NPR562.00 — trading 10.9% below its estimated fair value. The current EV-to-FCF is 5.78, which is 48% above median its 10-year median of 3.90 and 38.4% below the Insurance industry median of 9.38. National Life Insurance Co.'s overall GF Score™ is 98/100 with 5 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 National Life Insurance Co. (XNEP:NLICL), the current EV-to-FCF is 5.78 as of Aug. 07, 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 National Life Insurance Co. (XNEP:NLICL) Overvalued in 2026?
Based on GuruFocus' analysis, National Life Insurance Co. stock appears to be undervalued.
The current stock price of NPR562.00 is trading 10.9% below its estimated GF Value™ of NPR630.64.
GuruFocus considers National Life Insurance Co. to be Modestly Undervalued.
Key valuation signals for XNEP:NLICL:
EV-to-FCF: 5.78 (48% above median its 10-year median of 3.90)
GF Value™: NPR630.64 vs. price of NPR562.00 (10.9% below fair value)
Industry Position: 38.4% below the Insurance median (#130 of 393)
No single metric tells the full story. See the XNEP:NLICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Life Insurance Co. Ltd is engaged in the life insurance business, providing various life insurance products including participating and non-participating products through its province offices, branches, sub-branches, and network of agents. The company's offerings include individual plans, which consist of Endowment Assurance Plan, Childrens Plans, Money Back Plans, Whole Life Plans, Terms Assurance Plans, Retirement Plan and Single Premium Plan. The operating segments of the company include Endowment, Anticipated Endowment, Endowment Cum Whole Life, Foreign Employment Term, and Special Term. The company's main source of revenue is Premium Income, with the majority generated from endowment plans.
98GF Score
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