The historical rank and industry rank for ZhongAn Online P&C Insurance Co's EV-to-FCF or its related term are showing as below:
ZZHGF'
s EV-to-FCF Range Over the Past 10 Years
Min: -82.25 Med: -20.67 Max: 177.85
Current: 6.08
During the past 12 years, the highest EV-to-FCF of ZhongAn Online P&C Insurance Co was 177.85. The lowest was -82.25. And the median was -20.67.
ZZHGF's EV-to-FCF is ranked better than 68.45% of 393
companies
in the Insurance industry
Industry Median: 9.72
vs ZZHGF: 6.08
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.
ZhongAn Online P&C Insurance Co (OTCPK:ZZHGF) 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.
ZhongAn Online P&C Insurance Co's PE Ratio (TTM) for today is calculated as:
ZhongAn Online P&C Insurance Co's share price for today is $1.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. ZhongAn Online P&C Insurance Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.098.
* 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.
ZhongAn Online P&C Insurance Co EV-to-FCF Related Terms
ZhongAn Online P&C 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 - Property & Casualty subindustry, ZhongAn Online P&C 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.
ZhongAn Online P&C Insurance Co EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where ZhongAn Online P&C Insurance Co's EV-to-FCF falls into.
ZhongAn Online P&C Insurance Co's current Enterprise Value is $2,120 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. ZhongAn Online P&C Insurance Co's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $350 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.
ZhongAn Online P&C Insurance Co (ZZHGF) has a EV-to-FCF of 6.05 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ZhongAn Online P&C Insurance Co and its competitors. According to the industry distribution chart, ZhongAn Online P&C Insurance Co ranks #124 out of 393 companies in the Insurance industry, placing it in the top 31.6%.
Is ZhongAn Online P&C Insurance Co's EV-to-FCF too high?
ZhongAn Online P&C Insurance Co's current EV-to-FCF is 6.05. The Insurance industry median EV-to-FCF is 9.72. ZhongAn Online P&C Insurance Co's value of 6.05 is 37.8% below this industry median. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #124 out of 393 companies in the Insurance industry, which is above the industry midpoint. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 84/100, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #124 out of 393 companies for EV-to-FCF. This puts ZhongAn Online P&C Insurance Co in the upper half of its industry. The industry median EV-to-FCF is 9.72. ZhongAn Online P&C Insurance Co's value of 6.05 is 37.8% 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 9.72, 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. ZhongAn Online P&C Insurance Co's current EV-to-FCF of 6.05 is 37.8% 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 ZhongAn Online P&C 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. ZhongAn Online P&C Insurance Co's current EV-to-FCF is 6.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ZhongAn Online P&C Insurance Co stock overvalued right now?
ZhongAn Online P&C Insurance Co (ZZHGF) has a current EV-to-FCF of 6.05. The stock's GF Value™ is $2.55, compared to a current price of $1.50 — trading 41.2% below its estimated fair value. The current EV-to-FCF is 6.05 and 37.8% below the Insurance industry median of 9.72. ZhongAn Online P&C Insurance Co's overall GF Score™ is 84/100 with 2 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 ZhongAn Online P&C Insurance Co (ZZHGF), the current EV-to-FCF is 6.05 as of Jul. 09, 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 ZhongAn Online P&C Insurance Co (ZZHGF) Overvalued in 2026?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co stock appears to be undervalued.
The current stock price of $1.50 is trading 41.2% below its estimated GF Value™ of $2.55.
Key valuation signals for ZZHGF:
EV-to-FCF: 6.05
GF Value™: $2.55 vs. price of $1.50 (41.2% below fair value)
Industry Position: 37.8% below the Insurance median (#124 of 393)
No single metric tells the full story. See the ZZHGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ZhongAn Online P&C Insurance Co Business Description
ZhongAn Online P&C Insurance Co Ltd is principally engaged in Fintech business, which mainly provides internet insurance services and insurance information technology services to customers. Its operating segments includes; Insurance, Technology, Banking, and Others. The insurance segment offers online property and casualty insurance and services in the PRC and generates majority of the company's revenue.
84GF Score
Get the complete analysis for ZZHGF
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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