Adamjee Insurance Co (KAR:AICL) FCF Margin %: -4.76% (As of Mar. 2026)


KAR:AICL Adamjee Insurance Co Ltd KAR:AICL
71 GF Score
Price ₨80.51
GF Value ₨61.14
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Adamjee Insurance Co FCF Margin %?

Adamjee Insurance Co KAR:AICL +1.13% 71 FCF Margin % is -4.76% as of Mar. 2026. GuruFocus rates KAR:AICL with a GF Score™ of 71/100 and a GF Value™ of ₨61.14 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 505 Insurance companies, Adamjee Insurance Co ranks worse than 70.3% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Adamjee Insurance Co's Free Cash Flow for the three months ended in Mar. 2026 was ₨-1,015 Mil. Adamjee Insurance Co's Revenue for the three months ended in Mar. 2026 was ₨21,310 Mil. Therefore, Adamjee Insurance Co's FCF Margin % for the quarter that ended in Mar. 2026 was -4.76%.

As of today, Adamjee Insurance Co's current FCF Yield % is 10.56%.

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

KAR:AICL' s FCF Margin % Range Over the Past 10 Years
Min: -5.74   Med: 12.79   Max: 23.49
Current: 2.89


During the past 13 years, the highest FCF Margin % of Adamjee Insurance Co was 23.49%. The lowest was -5.74%. And the median was 12.79%.

KAR:AICL's FCF Margin % is ranked worse than
70.3% of 505 companies
in the Insurance industry
Industry Median: 9.66 vs KAR:AICL: 2.89


Adamjee Insurance Co FCF Margin % Related Terms


Adamjee Insurance Co FCF Margin % Historical Data

* Premium members only.

The historical data trend for Adamjee Insurance Co'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.

Adamjee Insurance Co FCF Margin % Chart

Adamjee Insurance Co 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 19.21 8.24 -5.74 9.46 6.41

Adamjee Insurance Co 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 11.95 -7.56 9.84 9.99 -4.76

KAR:AICL vs CB, PGR, TRV: FCF Margin % Comparison

For the Insurance - Property & Casualty subindustry, Adamjee 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.


Adamjee Insurance Co FCF Margin % vs Insurance Industry

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

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


KAR:AICL
71GF Score
Adamjee Insurance Co Ltd KAR:AICL
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Adamjee Insurance Co FCF Margin % Calculation

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

Adamjee Insurance Co'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 )
=6674.772/104133.755
=6.41 %

Adamjee Insurance Co'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 )
=-1014.767/21310.407
=-4.76 %

* 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 -4.76% mean?
Adamjee Insurance Co (KAR:AICL) has a FCF Margin % of -4.76% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Adamjee Insurance Co and its competitors. According to the industry distribution chart, Adamjee Insurance Co ranks #355 out of 505 companies in the Insurance industry, placing it in the top 70.3%.
Is Adamjee Insurance Co's FCF Margin % too high?
Adamjee Insurance Co's current FCF Margin % is -4.76%. Based on the distribution chart, Adamjee Insurance Co ranks #355 out of 505 companies in the Insurance industry, which is below the industry midpoint. Overall, Adamjee Insurance Co has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Adamjee Insurance Co's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Adamjee Insurance Co ranks #355 out of 505 companies for FCF Margin %. This places Adamjee Insurance Co in the lower half of its industry. The industry median FCF Margin % is 9.66. 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 9.66, 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. 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 Adamjee Insurance Co and its competitors. For the Insurance industry, the median FCF Margin % is 9.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adamjee Insurance Co's current FCF Margin % is -4.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Adamjee Insurance Co (KAR:AICL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨61.14, compared to a current price of ₨80.51 — trading 31.7% above its estimated fair value. The current FCF Margin % is -4.76%. Adamjee Insurance Co's overall GF Score™ is 71/100 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 Adamjee Insurance Co (KAR:AICL), the current FCF Margin % is -4.76% 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 Adamjee Insurance Co (KAR:AICL) Overvalued in 2026?

Based on GuruFocus' analysis, Adamjee Insurance Co stock appears to be overvalued. The current stock price of ₨80.51 is trading 31.7% above its estimated GF Value™ of ₨61.14. GuruFocus considers Adamjee Insurance Co to be Significantly Overvalued.

Key valuation signals for KAR:AICL:

  • FCF Margin %: -4.76%
  • GF Value™: ₨61.14 vs. price of ₨80.51 (31.7% above fair value)
  • GF Score™: 71/100 with 3 warning signs

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


Adamjee Insurance Co Business Description

Address Main Boulevard, Gulberg-III, 80/A, Block E-1, Adamjee House Building, Lahore, PAK, 54000
Adamjee Insurance Co Ltd is an insurance company engaged in providing insurance to various categories of businesses, such as Fire and Property, Marine Aviation and Transport, Motor, Accident and Health, and Miscellaneous Insurance. Some of the company's high-risk-value projects include the risk-coverage provision to Petrochemical Factories and Industrial Risk projects. It has five primary business segments for reporting purposes, namely Fire & property, marine aviation & transport, motor, accident & health, and miscellaneous. The company generates the majority of its revenue from the Motor segment.
71GF Score

Get the complete analysis for KAR:AICL

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

₨80.51
Price
₨61.14
GF Value