New China Life Insurance CoSTU:NCL -1.80%63 FCF Margin % is 175.16% as of Mar. 2026, which is 457% above its 10-year median of 31.45. GuruFocus rates STU:NCL with a GF Score™ of 63/100 and a GF Value™ of €4.38 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 501 Insurance companies, New China Life Insurance Co ranks better than 97.21% 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, New China Life 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.
New China Life Insurance Co FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, New China Life Insurance Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where New China Life 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.
New China Life Insurance Co (STU:NCL) has a FCF Margin % of 175.16% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on New China Life Insurance Co and its competitors. This is 457% above median its historical median of 31.45. Over the past decade, New China Life Insurance Co's FCF Margin % has ranged from 2.69 to 127.61. According to the industry distribution chart, New China Life Insurance Co ranks #14 out of 501 companies in the Insurance industry, placing it in the top 2.8%.
Is New China Life Insurance Co's FCF Margin % too high?
New China Life Insurance Co's current FCF Margin % of 175.16% is 457% above median its 10-year median of 31.45. Over the past 10 years, this metric has ranged from a low of 2.69 to a high of 127.61. The Insurance industry median FCF Margin % is 9.60. New China Life Insurance Co's value of 175.16% is 1724.6% above this industry median. Based on the distribution chart, New China Life Insurance Co ranks #14 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, New China Life Insurance Co has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does New China Life Insurance Co's FCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, New China Life Insurance Co ranks #14 out of 501 companies for FCF Margin %. This places New China Life Insurance Co in the top 3% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.60. New China Life Insurance Co's value of 175.16% is 1724.6% above this benchmark. Historically, New China Life Insurance Co's own FCF Margin % has ranged from 2.69 to 127.61 over the past decade. While the company's 10-year median is 31.45 vs. the industry median of 9.60, New China Life Insurance Co 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 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. New China Life Insurance Co's current FCF Margin % of 175.16% is 1724.6% 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 New China Life 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. New China Life Insurance Co's current FCF Margin % is 175.16%, which is 457% above median its own 10-year median of 31.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is New China Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, New China Life Insurance Co (STU:NCL) is currently considered Significantly Overvalued. The stock's GF Value™ is €4.38, compared to a current price of €5.45 — trading 24.4% above its estimated fair value. The current FCF Margin % is 175.16%, which is 457% above median its 10-year median of 31.45 and 1724.6% above the Insurance industry median of 9.60. New China Life Insurance Co'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 New China Life Insurance Co (STU:NCL), the current FCF Margin % is 175.16% 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 New China Life Insurance Co (STU:NCL) Overvalued in 2026?
Based on GuruFocus' analysis, New China Life Insurance Co stock appears to be overvalued.
The current stock price of €5.45 is trading 24.4% above its estimated GF Value™ of €4.38.
GuruFocus considers New China Life Insurance Co to be Significantly Overvalued.
Key valuation signals for STU:NCL:
FCF Margin %: 175.16% (457% above median its 10-year median of 31.45)
GF Value™: €4.38 vs. price of €5.45 (24.4% above fair value)
Industry Position: 1724.6% above the Insurance median (#14 of 501)
No single metric tells the full story. See the STU:NCL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
New China Life Insurance Co Ltd is headquartered in Beijing and was established in 1996 by a combination of state-owned enterprises and private firms. It is currently the fourth-largest life insurer in China based on total assets. New China Life offers a wide range of life insurance products and services to both individual and institutional customers through its extensive distribution networks and diverse marketing channels. Additionally, it manages and invests insurance funds through its subsidiaries, including its Asset Management Company and Asset Management Company (Hong Kong).
63GF Score
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