* 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.
IST:AGESA vs BRK.A, AIG, HIG: FCF Margin % Comparison
For the Insurance - Diversified subindustry, Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a FCF Margin % of 5.10% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors. This is 76% below median its historical median of 21.19. Over the past decade, Agesa Hayat Ve Emeklilik AS's FCF Margin % has ranged from 8.73 to 43.27. According to the industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #257 out of 502 companies in the Insurance industry, placing it in the top 51.2%.
Is Agesa Hayat Ve Emeklilik AS's FCF Margin % too high?
Agesa Hayat Ve Emeklilik AS's current FCF Margin % of 5.10% is 76% below median its 10-year median of 21.19. Over the past 10 years, this metric has ranged from a low of 8.73 to a high of 43.27. The Insurance industry median FCF Margin % is 9.63. Agesa Hayat Ve Emeklilik AS's value of 5.10% is 47% below this industry median. Based on the distribution chart, Agesa Hayat Ve Emeklilik AS ranks #257 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #257 out of 502 companies for FCF Margin %. This places Agesa Hayat Ve Emeklilik AS in the lower half of its industry. The industry median FCF Margin % is 9.63. Agesa Hayat Ve Emeklilik AS's value of 5.10% is 47% below this benchmark. Historically, Agesa Hayat Ve Emeklilik AS's own FCF Margin % has ranged from 8.73 to 43.27 over the past decade. While the company's 10-year median is 21.19 vs. the industry median of 9.63, Agesa Hayat Ve Emeklilik AS 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 9.63, based on 502 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. Agesa Hayat Ve Emeklilik AS's current FCF Margin % of 5.10% is 47% 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 Agesa Hayat Ve Emeklilik AS and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agesa Hayat Ve Emeklilik AS's current FCF Margin % is 5.10%, which is 76% below median its own 10-year median of 21.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺313.75, compared to a current price of ₺250.00 — trading 20.3% below its estimated fair value. The current FCF Margin % is 5.10%, which is 76% below median its 10-year median of 21.19 and 47% below the Insurance industry median of 9.63. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 57/100 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current FCF Margin % is 5.10% 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺250.00 is trading 20.3% below its estimated GF Value™ of ₺313.75.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.
Key valuation signals for IST:AGESA:
FCF Margin %: 5.10% (76% below median its 10-year median of 21.19)
GF Value™: ₺313.75 vs. price of ₺250.00 (20.3% below fair value)
Industry Position: 47% below the Insurance median (#257 of 502)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
57GF 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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