Sagarmatha Lumbini Insurance Co (XNEP:SALICO) EV-to-FCF: -88.48 (As of Aug. 06, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XNEP:SALICO Sagarmatha Lumbini Insurance Co Ltd XNEP:SALICO
82 GF Score
Price NPR598.00
GF Value NPR941.69
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Sagarmatha Lumbini Insurance Co EV-to-FCF?

Sagarmatha Lumbini Insurance Co XNEP:SALICO -0.27% 82 EV-to-FCF is -88.48 as of Aug. 06, 2026. GuruFocus rates XNEP:SALICO with a GF Score™ of 82/100 and a GF Value™ of NPR941.69 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 393 Insurance companies, Sagarmatha Lumbini Insurance Co ranks worse than 254452.67% on this metric.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Sagarmatha Lumbini Insurance Co's Enterprise Value is NPR15,348 Mil. Sagarmatha Lumbini Insurance Co's Free Cash Flow for the trailing twelve months (TTM) ended in Apr. 2026 was NPR-173 Mil. Therefore, Sagarmatha Lumbini Insurance Co's EV-to-FCF for today is -88.48.

The historical rank and industry rank for Sagarmatha Lumbini Insurance Co's EV-to-FCF or its related term are showing as below:

XNEP:SALICO' s EV-to-FCF Range Over the Past 10 Years
Min: -175.99   Med: 25.93   Max: 147.36
Current: -90.23

During the past 13 years, the highest EV-to-FCF of Sagarmatha Lumbini Insurance Co was 147.36. The lowest was -175.99. And the median was 25.93.

XNEP:SALICO's EV-to-FCF is ranked worse than
100% of 393 companies
in the Insurance industry
Industry Median: 9.48 vs XNEP:SALICO: -90.23

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.

As of today (2026-08-06), Sagarmatha Lumbini Insurance Co's stock price is NPR598.00. Sagarmatha Lumbini Insurance Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Apr. 2026 was NPR-27.657. Therefore, Sagarmatha Lumbini Insurance Co's PE Ratio (TTM) for today is At Loss.


Sagarmatha Lumbini Insurance Co  (XNEP:SALICO) 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.

Sagarmatha Lumbini Insurance Co's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=598.00/-27.657
=At Loss

Sagarmatha Lumbini Insurance Co's share price for today is NPR598.00.
Sagarmatha Lumbini 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 NPR-27.657.

* 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.


Sagarmatha Lumbini Insurance Co EV-to-FCF Related Terms


Sagarmatha Lumbini Insurance Co EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Sagarmatha Lumbini Insurance Co'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.

Sagarmatha Lumbini Insurance Co EV-to-FCF Chart

Sagarmatha Lumbini Insurance Co Annual Data
Trend Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22 Jul23 Jul24 Jul25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 740.36 134.97 -63.80 92.11 -175.99

Sagarmatha Lumbini Insurance Co Quarterly Data
Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23 Apr23 Jul23 Oct23 Jan24 Apr24 Jul24 Oct24 Jan25 Apr25 Jul25 Oct25 Apr26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 111.06 84.08 -175.99 -88.00 -67.41

XNEP:SALICO vs BRK.A, AIG, HIG: EV-to-FCF Comparison

For the Insurance - Diversified subindustry, Sagarmatha Lumbini 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.


Sagarmatha Lumbini Insurance Co EV-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Sagarmatha Lumbini Insurance Co's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Sagarmatha Lumbini Insurance Co's EV-to-FCF falls into.


XNEP:SALICO
82GF Score
Sagarmatha Lumbini Insurance Co Ltd XNEP:SALICO
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sagarmatha Lumbini Insurance Co EV-to-FCF Calculation

Sagarmatha Lumbini Insurance Co's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=15347.657/-173.464
=-88.48

Sagarmatha Lumbini Insurance Co's current Enterprise Value is NPR15,348 Mil.
Sagarmatha Lumbini 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 NPR-173 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.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of -88.48 mean?
Sagarmatha Lumbini Insurance Co (XNEP:SALICO) has a EV-to-FCF of -88.48 as of Aug. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sagarmatha Lumbini Insurance Co and its competitors. According to the industry distribution chart, Sagarmatha Lumbini Insurance Co ranks #999999 out of 393 companies in the Insurance industry.
Is Sagarmatha Lumbini Insurance Co's EV-to-FCF too high?
Sagarmatha Lumbini Insurance Co's current EV-to-FCF is -88.48. Based on the distribution chart, Sagarmatha Lumbini Insurance Co ranks #999999 out of 393 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Sagarmatha Lumbini Insurance Co has a GF Score™ of 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Sagarmatha Lumbini Insurance Co's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sagarmatha Lumbini Insurance Co ranks #999999 out of 393 companies for EV-to-FCF. This places Sagarmatha Lumbini Insurance Co in the lower half of its industry. The industry median EV-to-FCF is 9.48. 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 9.48, 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. 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 Sagarmatha Lumbini Insurance Co and its competitors. For the Insurance industry, the median EV-to-FCF is 9.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagarmatha Lumbini Insurance Co's current EV-to-FCF is -88.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sagarmatha Lumbini Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Sagarmatha Lumbini Insurance Co (XNEP:SALICO) is currently considered Possible Value Trap. The stock's GF Value™ is NPR941.69, compared to a current price of NPR598.00 — trading 36.5% below its estimated fair value. The current EV-to-FCF is -88.48. Sagarmatha Lumbini Insurance Co's overall GF Score™ is 82/100 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 Sagarmatha Lumbini Insurance Co (XNEP:SALICO), the current EV-to-FCF is -88.48 as of Aug. 06, 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 Sagarmatha Lumbini Insurance Co (XNEP:SALICO) Overvalued in 2026?

Based on GuruFocus' analysis, Sagarmatha Lumbini Insurance Co stock appears to be undervalued. The current stock price of NPR598.00 is trading 36.5% below its estimated GF Value™ of NPR941.69. GuruFocus considers Sagarmatha Lumbini Insurance Co to be Possible Value Trap.

Key valuation signals for XNEP:SALICO:

  • EV-to-FCF: -88.48
  • GF Value™: NPR941.69 vs. price of NPR598.00 (36.5% below fair value)
  • GF Score™: 82/100 with 4 warning signs

No single metric tells the full story. See the XNEP:SALICO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sagarmatha Lumbini Insurance Co Business Description

Address Bhagwati Marg, Naxal, Surakshan Bhawan, Naxal, Kathmandu, NPL
Sagarmatha Lumbini Insurance Co Ltd provides various non-life insurance products through its province offices, branches, sub-branches, and network of agents. The company's offerings include personal and corporate insurance solutions, including property, motor, marine, engineering, aviation, agriculture, and micro insurance. The majority of the company's revenue is generated from property insurance. The company operates predominantly in Nepal.
82GF Score

Get the complete analysis for XNEP:SALICO

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR598.00
Price
NPR941.69
GF Value