AMS Osiguranje a.d (XBEL:AMSO) FCF Margin %: -10.41% (As of Dec. 2025)

What is AMS Osiguranje a.d FCF Margin %?

AMS Osiguranje a.d XBEL:AMSO 30 FCF Margin % is -10.41% as of Dec. 2025. GuruFocus rates XBEL:AMSO with a GF Score™ of 30/100 and a GF Value™ of RSD6,133.85. The stock has 1 warning sign investors should review.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. AMS Osiguranje a.d's Free Cash Flow for the six months ended in Dec. 2025 was RSD-364 Mil. AMS Osiguranje a.d's Revenue for the six months ended in Dec. 2025 was RSD3,496 Mil. Therefore, AMS Osiguranje a.d's FCF Margin % for the quarter that ended in Dec. 2025 was -10.41%.

As of today, AMS Osiguranje a.d's current FCF Yield % is 4.52%.

The historical rank and industry rank for AMS Osiguranje a.d's FCF Margin % or its related term are showing as below:

XBEL:AMSO' s FCF Margin % Range Over the Past 10 Years
Min: 0.97 Med: 427.85 Max: 932.13
Current: 0.97

During the past 13 years, the highest FCF Margin % of AMS Osiguranje a.d was 932.13%. The lowest was 0.97%. And the median was 427.85%.

XBEL:AMSO's FCF Margin % is not ranked
in the Insurance industry.
Industry Median: 9.285 vs XBEL:AMSO: 0.97

AMS Osiguranje a.d FCF Margin % Related Terms

AMS Osiguranje a.d FCF Margin % Historical Data

* Premium members only.

The historical data trend for AMS Osiguranje a.d'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.

AMS Osiguranje a.d FCF Margin % Chart

AMS Osiguranje a.d Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

FCF Margin %

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678.23

354.64

4.93

1.63

0.97

AMS Osiguranje a.d Semi-Annual Data
	Jun12	Dec12	Jun13	Dec13	Jun14	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19	Dec20	Dec21	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
FCF Margin %	Get a 7-Day Free Trial															3.16	4.57	-1.71	10.64	-10.41

XBEL:AMSO vs CB, PGR, TRV: FCF Margin % Comparison

For the Insurance - Property & Casualty subindustry, AMS Osiguranje a.d'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.

AMS Osiguranje a.d FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's FCF Margin % distribution charts can be found below:

* The bar in red indicates where AMS Osiguranje a.d's FCF Margin % falls into.

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30GF Score

AMS Osiguranje a.d XBEL:AMSO

FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.

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AMS Osiguranje a.d FCF Margin % Calculation

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

AMS Osiguranje a.d'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 )
	=	73.947	/	7609.61
	=	0.97 %

AMS Osiguranje a.d's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin	=	Free Cash Flow (Q: Dec. 2025 )	/	Revenue (Q: Dec. 2025 )
	=	-363.866	/	3496.066
	=	-10.41 %

Frequently Asked Questions Learn more about FCF Margin % →

What does a FCF Margin % of -10.41% mean?

AMS Osiguranje a.d (XBEL:AMSO) has a FCF Margin % of -10.41% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on AMS Osiguranje a.d and its competitors. Over the past decade, AMS Osiguranje a.d's FCF Margin % has ranged from 0.97 to 932.13.

Is AMS Osiguranje a.d's FCF Margin % too high?

AMS Osiguranje a.d's current FCF Margin % is -10.41%. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 932.13. Overall, AMS Osiguranje a.d has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.

How does AMS Osiguranje a.d's FCF Margin % compare to CB and PGR?

AMS Osiguranje a.d's FCF Margin % of -10.41% can be compared against companies in the Insurance industry. The industry median FCF Margin % is 9.29. Historically, AMS Osiguranje a.d's own FCF Margin % has ranged from 0.97 to 932.13 over the past decade. 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 9.29, based on 504 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 AMS Osiguranje a.d and its competitors. For the Insurance industry, the median FCF Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMS Osiguranje a.d's current FCF Margin % is -10.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is AMS Osiguranje a.d stock overvalued right now?

AMS Osiguranje a.d (XBEL:AMSO) has a current FCF Margin % of -10.41%. The stock's GF Value™ is RSD6,133.85, compared to a current price of RSD3,950.00 — trading 35.6% below its estimated fair value. The current FCF Margin % is -10.41%. AMS Osiguranje a.d's overall GF Score™ is 30/100 with 1 warning sign 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 AMS Osiguranje a.d (XBEL:AMSO), the current FCF Margin % is -10.41% 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 AMS Osiguranje a.d (XBEL:AMSO) Overvalued in 2026?

Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be undervalued. The current stock price of RSD3,950.00 is trading 35.6% below its estimated GF Value™ of RSD6,133.85.

Key valuation signals for XBEL:AMSO:

FCF Margin %: -10.41%
GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
GF Score™: 30/100 with 1 warning sign

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

AMS Osiguranje a.d Business Description

Industry Financial Services Insurance

Comparable Companies CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSX:FFH TSE:8630 CINF ASX:QBE WRB MKL L MIL:UNI XKRX:000810 WAR:PZU OSL:GJF

Address Roosevelt 16, Belgrade, SRB, 11000

Website https://www.ams.co.rs

AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.

30GF Score

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

RSD3,950.00

Price

RSD6,133.85

GF Value

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