AIA GroupAAGIY -3.19%61 FCF Margin % is 4.85% as of Dec. 2025, which is 20% below its 10-year median of 6.05. GuruFocus rates AAGIY with a GF Score™ of 61/100 and a GF Value™ of $37.61 (Fairly Valued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, AIA Group ranks better than 68.66% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. AIA Group's Free Cash Flow for the
six
months ended in Dec. 2025 was $1,161 Mil. AIA Group's Revenue for the
six
months ended in Dec. 2025 was $23,915 Mil. Therefore, AIA Group's FCF Margin % for the quarter that ended in Dec. 2025 was 4.85%.
The historical rank and industry rank for AIA Group's FCF Margin % or its related term are showing as below:
AAGIY'
s FCF Margin % Range Over the Past 10 Years
Min: -62.21 Med: 6.05 Max: 35.21
Current: 16.95
During the past 13 years, the highest FCF Margin % of AIA Group was 35.21%. The lowest was -62.21%. And the median was 6.05%.
AAGIY's FCF Margin % is ranked better than 68.66% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs AAGIY: 16.95
AIA Group FCF Margin % Related Terms
AIA Group FCF Margin % Historical Data
* Premium members only.
The historical data trend for AIA Group's FCF Margin % 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, AIA Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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.
AIA Group FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIA Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where AIA Group's FCF Margin % falls into.
* 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.
AIA Group (AAGIY) has a FCF Margin % of 4.85% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on AIA Group and its competitors. This is 20% below median its historical median of 6.05. According to the industry distribution chart, AIA Group ranks #157 out of 501 companies in the Insurance industry, placing it in the top 31.3%.
Is AIA Group's FCF Margin % too high?
AIA Group's current FCF Margin % of 4.85% is 20% below median its 10-year median of 6.05. The Insurance industry median FCF Margin % is 9.60. AIA Group's value of 4.85% is 49.5% below this industry median. Based on the distribution chart, AIA Group ranks #157 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, AIA Group has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AIA Group's FCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, AIA Group ranks #157 out of 501 companies for FCF Margin %. This puts AIA Group in the upper half of its industry. The industry median FCF Margin % is 9.60. AIA Group's value of 4.85% is 49.5% below this benchmark. While the company's 10-year median is 6.05 vs. the industry median of 9.60, AIA 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AIA Group's current FCF Margin % of 4.85% is 49.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on AIA Group and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIA Group's current FCF Margin % is 4.85%, which is 20% below median its own 10-year median of 6.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIA Group stock overvalued right now?
Based on GuruFocus' analysis, AIA Group (AAGIY) is currently considered Fairly Valued. The stock's GF Value™ is $37.61, compared to a current price of $36.39 — trading 3.2% below its estimated fair value. The current FCF Margin % is 4.85%, which is 20% below median its 10-year median of 6.05 and 49.5% below the Insurance industry median of 9.60. AIA Group's overall GF Score™ is 61/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For AIA Group (AAGIY), the current FCF Margin % is 4.85% as of Dec. 2025. 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 AIA Group (AAGIY) Overvalued in 2026?
Based on GuruFocus' analysis, AIA Group stock appears to be undervalued.
The current stock price of $36.39 is trading 3.2% below its estimated GF Value™ of $37.61.
GuruFocus considers AIA Group to be Fairly Valued.
Key valuation signals for AAGIY:
FCF Margin %: 4.85% (20% below median its 10-year median of 6.05)
GF Value™: $37.61 vs. price of $36.39 (3.2% below fair value)
Industry Position: 49.5% below the Insurance median (#157 of 501)
No single metric tells the full story. See the AAGIY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Headquartered in Hong Kong, AIA stands as one of the largest pan-Asian life insurance providers, offering a diversified portfolio of products spanning retirement savings plans, life insurance, and accident and health coverage. Formerly a subsidiary of American International Group, the company spun off and listed independently on the Hong Kong Stock Exchange in 2010. Beyond individual customers, AIA also delivers employee benefits, credit life, and pension services to corporate clients. With operations across 18 markets, the insurer serves more than 30 million individual policyholders and over 16 million members participating in group insurance schemes.
61GF Score
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