* 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 FCF Margin % Chart
For the Insurance - Property & Casualty subindustry, ZhongAn Online P&C Insurance Co'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.
ZhongAn Online P&C Insurance Co FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, ZhongAn Online P&C Insurance Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where ZhongAn Online P&C Insurance Co'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.
ZhongAn Online P&C Insurance Co (FRA:1ZO) has a FCF Margin % of 6.78% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. 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 #283 out of 505 companies in the Insurance industry, placing it in the top 56%.
Is ZhongAn Online P&C Insurance Co's FCF Margin % too high?
ZhongAn Online P&C Insurance Co's current FCF Margin % is 6.78%. The Insurance industry median FCF Margin % is 9.60. ZhongAn Online P&C Insurance Co's value of 6.78% is 29.4% below this industry median. Based on the distribution chart, ZhongAn Online P&C Insurance Co ranks #283 out of 505 companies in the Insurance industry, which is below the industry midpoint. Overall, ZhongAn Online P&C Insurance Co has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does ZhongAn Online P&C Insurance Co's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, ZhongAn Online P&C Insurance Co ranks #283 out of 505 companies for FCF Margin %. This places ZhongAn Online P&C Insurance Co in the lower half of its industry. The industry median FCF Margin % is 9.60. ZhongAn Online P&C Insurance Co's value of 6.78% is 29.4% 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 505 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. ZhongAn Online P&C Insurance Co's current FCF Margin % of 6.78% is 29.4% 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 ZhongAn Online P&C Insurance Co 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. ZhongAn Online P&C Insurance Co's current FCF Margin % is 6.78%. 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?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co (FRA:1ZO) is currently considered Significantly Undervalued. The stock's GF Value™ is €1.78, compared to a current price of €0.98 — trading 44.9% below its estimated fair value. The current FCF Margin % is 6.78% and 29.4% below the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For ZhongAn Online P&C Insurance Co (FRA:1ZO), the current FCF Margin % is 6.78% 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 ZhongAn Online P&C Insurance Co (FRA:1ZO) Overvalued in 2026?
Based on GuruFocus' analysis, ZhongAn Online P&C Insurance Co stock appears to be undervalued.
The current stock price of €0.98 is trading 44.9% below its estimated GF Value™ of €1.78.
GuruFocus considers ZhongAn Online P&C Insurance Co to be Significantly Undervalued.
Key valuation signals for FRA:1ZO:
FCF Margin %: 6.78%
GF Value™: €1.78 vs. price of €0.98 (44.9% below fair value)
Industry Position: 29.4% below the Insurance median (#283 of 505)
No single metric tells the full story. See the FRA:1ZO 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 FRA:1ZO
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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