Charan Insurance PCL (BKK:CHARAN) FCF Margin %: -21.88% (As of Mar. 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.

BKK:CHARAN Charan Insurance PCL BKK:CHARAN
64 GF Score
Price ฿17.20
GF Value ฿22.70
Valuation Modestly Undervalued
! 5 Warning Signs
View Full Analysis

What is Charan Insurance PCL FCF Margin %?

Charan Insurance PCL BKK:CHARAN +1.18% 64 FCF Margin % is -21.88% as of Mar. 2026. GuruFocus rates BKK:CHARAN with a GF Score™ of 64/100 and a GF Value™ of ฿22.70 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 501 Insurance companies, Charan Insurance PCL ranks worse than 91.02% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Charan Insurance PCL's Free Cash Flow for the three months ended in Mar. 2026 was ฿-17.5 Mil. Charan Insurance PCL's Revenue for the three months ended in Mar. 2026 was ฿80.1 Mil. Therefore, Charan Insurance PCL's FCF Margin % for the quarter that ended in Mar. 2026 was -21.88%.

As of today, Charan Insurance PCL's current FCF Yield % is -23.00%.

The historical rank and industry rank for Charan Insurance PCL's FCF Margin % or its related term are showing as below:

BKK:CHARAN' s FCF Margin % Range Over the Past 10 Years
Min: -15.43   Med: 11.94   Max: 63.87
Current: -12.23


During the past 13 years, the highest FCF Margin % of Charan Insurance PCL was 63.87%. The lowest was -15.43%. And the median was 11.94%.

BKK:CHARAN's FCF Margin % is ranked worse than
91.02% of 501 companies
in the Insurance industry
Industry Median: 9.79 vs BKK:CHARAN: -12.23


Charan Insurance PCL FCF Margin % Related Terms


Charan Insurance PCL FCF Margin % Historical Data

* Premium members only.

The historical data trend for Charan Insurance PCL'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.

Charan Insurance PCL FCF Margin % Chart

Charan Insurance PCL Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 63.87 -15.43 10.23 18.90 -6.39

Charan Insurance PCL Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 4.00 7.61 -7.35 -33.74 -21.88

BKK:CHARAN vs CB, PGR, TRV: FCF Margin % Comparison

For the Insurance - Property & Casualty subindustry, Charan Insurance PCL'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.


Charan Insurance PCL FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Charan Insurance PCL's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Charan Insurance PCL's FCF Margin % falls into.


BKK:CHARAN
64GF Score
Charan Insurance PCL BKK:CHARAN
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Charan Insurance PCL FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Charan Insurance PCL's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-26.018/406.935
=-6.39 %

Charan Insurance PCL's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-17.531/80.118
=-21.88 %

* 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 FCF Margin % →
What does a FCF Margin % of -21.88% mean?
Charan Insurance PCL (BKK:CHARAN) has a FCF Margin % of -21.88% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Charan Insurance PCL and its competitors. According to the industry distribution chart, Charan Insurance PCL ranks #456 out of 501 companies in the Insurance industry, placing it in the top 91%.
Is Charan Insurance PCL's FCF Margin % too high?
Charan Insurance PCL's current FCF Margin % is -21.88%. Based on the distribution chart, Charan Insurance PCL ranks #456 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Charan Insurance PCL has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Charan Insurance PCL's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Charan Insurance PCL ranks #456 out of 501 companies for FCF Margin %. This places Charan Insurance PCL in the lower half of its industry. The industry median FCF Margin % is 9.79. 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 9.79, 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. 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 Charan Insurance PCL and its competitors. For the Insurance industry, the median FCF Margin % is 9.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charan Insurance PCL's current FCF Margin % is -21.88%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Charan Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Charan Insurance PCL (BKK:CHARAN) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿22.70, compared to a current price of ฿17.20 — trading 24.2% below its estimated fair value. The current FCF Margin % is -21.88%. Charan Insurance PCL's overall GF Score™ is 64/100 with 5 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 Charan Insurance PCL (BKK:CHARAN), the current FCF Margin % is -21.88% as of Mar. 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 Charan Insurance PCL (BKK:CHARAN) Overvalued in 2026?

Based on GuruFocus' analysis, Charan Insurance PCL stock appears to be undervalued. The current stock price of ฿17.20 is trading 24.2% below its estimated GF Value™ of ฿22.70. GuruFocus considers Charan Insurance PCL to be Modestly Undervalued.

Key valuation signals for BKK:CHARAN:

  • FCF Margin %: -21.88%
  • GF Value™: ฿22.70 vs. price of ฿17.20 (24.2% below fair value)
  • GF Score™: 64/100 with 5 warning signs

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


Charan Insurance PCL Business Description

Address 408/1 Ratchadapisak Road, Samsennok, Huaykwang, Bangkok, THA, 10310
Charan Insurance PCL is a Thailand-based company in the insurance sector. Its primary activity is providing non-life insurance services. Its non-life insurance products include Fire insurance, Motor insurance, Personal accident insurance, Marine and transportation insurance, and Miscellaneous insurance. The company operates principally in Thailand and generates the majority of its revenue from Motor insurance services.
64GF Score

Get the complete analysis for BKK:CHARAN

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

฿17.20
Price
฿22.70
GF Value