Thai Life Insurance PCLBKK:TLI 63 FCF Margin % is 48.16% as of Mar. 2026, which is 1424% above its 10-year median of 3.16. GuruFocus rates BKK:TLI with a GF Score™ of 63/100 and a GF Value™ of ฿7.10 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 503 Insurance companies, Thai Life Insurance PCL ranks better than 85.09% on this metric.
* 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, Thai Life 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.
Thai Life Insurance PCL FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Thai Life Insurance PCL's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Thai Life Insurance PCL'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.
Thai Life Insurance PCL (BKK:TLI) has a FCF Margin % of 48.16% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Thai Life Insurance PCL and its competitors. This is 1424% above median its historical median of 3.16. According to the industry distribution chart, Thai Life Insurance PCL ranks #75 out of 503 companies in the Insurance industry, placing it in the top 14.9%.
Is Thai Life Insurance PCL's FCF Margin % too high?
Thai Life Insurance PCL's current FCF Margin % of 48.16% is 1424% above median its 10-year median of 3.16. The Insurance industry median FCF Margin % is 8.97. Thai Life Insurance PCL's value of 48.16% is 436.9% above this industry median. Based on the distribution chart, Thai Life Insurance PCL ranks #75 out of 503 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Thai Life Insurance PCL has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Thai Life Insurance PCL's FCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Thai Life Insurance PCL ranks #75 out of 503 companies for FCF Margin %. This places Thai Life Insurance PCL in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 8.97. Thai Life Insurance PCL's value of 48.16% is 436.9% above this benchmark. While the company's 10-year median is 3.16 vs. the industry median of 8.97, Thai Life Insurance PCL has consistently been above 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 8.97, based on 503 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. Thai Life Insurance PCL's current FCF Margin % of 48.16% is 436.9% above 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 Thai Life Insurance PCL and its competitors. For the Insurance industry, the median FCF Margin % is 8.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Thai Life Insurance PCL's current FCF Margin % is 48.16%, which is 1424% above median its own 10-year median of 3.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Thai Life Insurance PCL stock overvalued right now?
Based on GuruFocus' analysis, Thai Life Insurance PCL (BKK:TLI) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿7.10, compared to a current price of ฿11.90 — trading 67.6% above its estimated fair value. The current FCF Margin % is 48.16%, which is 1424% above median its 10-year median of 3.16 and 436.9% above the Insurance industry median of 8.97. Thai Life Insurance PCL's overall GF Score™ is 63/100 with 3 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 Thai Life Insurance PCL (BKK:TLI), the current FCF Margin % is 48.16% 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 Thai Life Insurance PCL (BKK:TLI) Overvalued in 2026?
Based on GuruFocus' analysis, Thai Life Insurance PCL stock appears to be overvalued.
The current stock price of ฿11.90 is trading 67.6% above its estimated GF Value™ of ฿7.10.
GuruFocus considers Thai Life Insurance PCL to be Significantly Overvalued.
Key valuation signals for BKK:TLI:
FCF Margin %: 48.16% (1424% above median its 10-year median of 3.16)
GF Value™: ฿7.10 vs. price of ฿11.90 (67.6% above fair value)
Industry Position: 436.9% above the Insurance median (#75 of 503)
No single metric tells the full story. See the BKK:TLI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Thai Life Insurance PCL is a life insurance company. It provides integrated products covering personal accident insurance and group insurance. Its segment includes agent channel; and partnership and other channels, which include commercial banks, government banks, leasing & hire purchase, consumer finance, direct marketing, group employee benefits, and digital. The company generates maximum revenue from the agent channel segment.
63GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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