* 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.
HAM:NBG6 vs BRK.A, AIG, HIG: FCF Margin % Comparison
For the Insurance - Diversified subindustry, Nuernberger Beteiligungs AG'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.
Nuernberger Beteiligungs AG FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Nuernberger Beteiligungs AG's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Nuernberger Beteiligungs AG'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.
Nuernberger Beteiligungs AG (HAM:NBG6) has a FCF Margin % of 1.72% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Nuernberger Beteiligungs AG and its competitors. This is 282% above median its historical median of 0.45. According to the industry distribution chart, Nuernberger Beteiligungs AG ranks #387 out of 501 companies in the Insurance industry, placing it in the top 77.2%.
Is Nuernberger Beteiligungs AG's FCF Margin % too high?
Nuernberger Beteiligungs AG's current FCF Margin % of 1.72% is 282% above median its 10-year median of 0.45. The Insurance industry median FCF Margin % is 9.60. Nuernberger Beteiligungs AG's value of 1.72% is 82.1% below this industry median. Based on the distribution chart, Nuernberger Beteiligungs AG ranks #387 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Nuernberger Beteiligungs AG has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Nuernberger Beteiligungs AG's FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Nuernberger Beteiligungs AG ranks #387 out of 501 companies for FCF Margin %. This places Nuernberger Beteiligungs AG in the lower half of its industry. The industry median FCF Margin % is 9.60. Nuernberger Beteiligungs AG's value of 1.72% is 82.1% below this benchmark. While the company's 10-year median is 0.45 vs. the industry median of 9.60, Nuernberger Beteiligungs AG 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. Nuernberger Beteiligungs AG's current FCF Margin % of 1.72% is 82.1% 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 Nuernberger Beteiligungs AG 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. Nuernberger Beteiligungs AG's current FCF Margin % is 1.72%, which is 282% above median its own 10-year median of 0.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nuernberger Beteiligungs AG stock overvalued right now?
Nuernberger Beteiligungs AG (HAM:NBG6) has a current FCF Margin % of 1.72%. The stock's GF Value™ is €65.70, compared to a current price of €121.50 — trading 84.9% above its estimated fair value. The current FCF Margin % is 1.72%, which is 282% above median its 10-year median of 0.45 and 82.1% below the Insurance industry median of 9.60. Nuernberger Beteiligungs AG's overall GF Score™ is 51/100 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 Nuernberger Beteiligungs AG (HAM:NBG6), the current FCF Margin % is 1.72% 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 Nuernberger Beteiligungs AG (HAM:NBG6) Overvalued in 2026?
Based on GuruFocus' analysis, Nuernberger Beteiligungs AG stock appears to be overvalued.
The current stock price of €121.50 is trading 84.9% above its estimated GF Value™ of €65.70.
Key valuation signals for HAM:NBG6:
FCF Margin %: 1.72% (282% above median its 10-year median of 0.45)
GF Value™: €65.70 vs. price of €121.50 (84.9% above fair value)
Industry Position: 82.1% below the Insurance median (#387 of 501)
No single metric tells the full story. See the HAM:NBG6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nuernberger Beteiligungs AG operates in the German financial services domain. Its prime focus is on offering insurance products that span the life, health, and property insurance products. The Life business area comprises of the company's subsidiaries engaged in the provision of life insurances, disability insurance, occupational pensions and various forms of risk insurance, and pension funds. The Health segment is concerned with the provision of health and supplementary insurance and the property insurance segment is responsible for the activities related to in property, casualty, accident insurance, as well as reinsurance. In addition, it provides banking services encompassing financial products, asset management, and investment services.
51GF Score
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