Nobleoak LifeASX:NOL -7.42%52 FCF Margin % is 0.68% as of Dec. 2025, which is 98% below its 10-year median of 38.09. GuruFocus rates ASX:NOL with a GF Score™ of 52/100 and a GF Value™ of A$1.76 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, Nobleoak Life ranks better than 80.24% on this metric.
The historical rank and industry rank for Nobleoak Life's FCF Margin % or its related term are showing as below:
ASX:NOL'
s FCF Margin % Range Over the Past 10 Years
Min: 13.01 Med: 38.09 Max: 66.8
Current: 24.5
During the past 4 years, the highest FCF Margin % of Nobleoak Life was 66.80%. The lowest was 13.01%. And the median was 38.09%.
ASX:NOL's FCF Margin % is ranked better than 80.24% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs ASX:NOL: 24.50
Nobleoak Life FCF Margin % Related Terms
Nobleoak Life FCF Margin % Historical Data
* Premium members only.
The historical data trend for Nobleoak Life'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, Nobleoak Life'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.
Nobleoak Life FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Nobleoak Life's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Nobleoak Life'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.
Nobleoak Life (ASX:NOL) has a FCF Margin % of 0.68% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nobleoak Life and its competitors. This is 98% below median its historical median of 38.09. Over the past decade, Nobleoak Life's FCF Margin % has ranged from 13.01 to 66.80. According to the industry distribution chart, Nobleoak Life ranks #99 out of 501 companies in the Insurance industry, placing it in the top 19.8%.
Is Nobleoak Life's FCF Margin % too high?
Nobleoak Life's current FCF Margin % of 0.68% is 98% below median its 10-year median of 38.09. Over the past 10 years, this metric has ranged from a low of 13.01 to a high of 66.80. The Insurance industry median FCF Margin % is 9.60. Nobleoak Life's value of 0.68% is 92.9% below this industry median. Based on the distribution chart, Nobleoak Life ranks #99 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Nobleoak Life has a GF Score™ of 52/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nobleoak Life's FCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Nobleoak Life ranks #99 out of 501 companies for FCF Margin %. This places Nobleoak Life in the top 20% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.60. Nobleoak Life's value of 0.68% is 92.9% below this benchmark. Historically, Nobleoak Life's own FCF Margin % has ranged from 13.01 to 66.80 over the past decade. While the company's 10-year median is 38.09 vs. the industry median of 9.60, Nobleoak Life 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. Nobleoak Life's current FCF Margin % of 0.68% is 92.9% 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 Nobleoak Life 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. Nobleoak Life's current FCF Margin % is 0.68%, which is 98% below median its own 10-year median of 38.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nobleoak Life stock overvalued right now?
Based on GuruFocus' analysis, Nobleoak Life (ASX:NOL) is currently considered Significantly Undervalued. The stock's GF Value™ is A$1.76, compared to a current price of A$1.19 — trading 32.7% below its estimated fair value. The current FCF Margin % is 0.68%, which is 98% below median its 10-year median of 38.09 and 92.9% below the Insurance industry median of 9.60. Nobleoak Life's overall GF Score™ is 52/100 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 Nobleoak Life (ASX:NOL), the current FCF Margin % is 0.68% 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 Nobleoak Life (ASX:NOL) Overvalued in 2026?
Based on GuruFocus' analysis, Nobleoak Life stock appears to be undervalued.
The current stock price of A$1.19 is trading 32.7% below its estimated GF Value™ of A$1.76.
GuruFocus considers Nobleoak Life to be Significantly Undervalued.
Key valuation signals for ASX:NOL:
FCF Margin %: 0.68% (98% below median its 10-year median of 38.09)
GF Value™: A$1.76 vs. price of A$1.19 (32.7% below fair value)
Industry Position: 92.9% below the Insurance median (#99 of 501)
No single metric tells the full story. See the ASX:NOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nobleoak Life Ltd is involved in the manufacture and distribution of Life Insurance products (including death, total and permanent disability, trauma, income protection and business expenses insurance) through both its Direct and Strategic Partner (Advised) channels. The company's segments include Direct Business, Strategic Partnerships, and Genus. It generates maximum revenue from the Direct segment.
52GF Score
Get the complete analysis for ASX:NOL
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASX:NOL has been successfully added to your 
