* 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, National 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.
National Life Insurance Co. FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, National Life Insurance Co.'s FCF Margin % distribution charts can be found below:
* The bar in red indicates where National 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.
National Life Insurance Co. (XNEP:NLICL) has a FCF Margin % of 18.53% as of Apr. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on National Life Insurance Co. and its competitors. This is 41% below median its historical median of 31.27. Over the past decade, National Life Insurance Co.'s FCF Margin % has ranged from 11.80 to 37.39. According to the industry distribution chart, National Life Insurance Co. ranks #215 out of 504 companies in the Insurance industry, placing it in the top 42.7%.
Is National Life Insurance Co.'s FCF Margin % too high?
National Life Insurance Co.'s current FCF Margin % of 18.53% is 41% below median its 10-year median of 31.27. Over the past 10 years, this metric has ranged from a low of 11.80 to a high of 37.39. The Insurance industry median FCF Margin % is 8.97. National Life Insurance Co.'s value of 18.53% is 106.7% above this industry median. Based on the distribution chart, National Life Insurance Co. ranks #215 out of 504 companies in the Insurance industry, which is above the industry midpoint. Overall, National Life Insurance Co. has a GF Score™ of 98/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does National Life Insurance Co.'s FCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, National Life Insurance Co. ranks #215 out of 504 companies for FCF Margin %. This puts National Life Insurance Co. in the upper half of its industry. The industry median FCF Margin % is 8.97. National Life Insurance Co.'s value of 18.53% is 106.7% above this benchmark. Historically, National Life Insurance Co.'s own FCF Margin % has ranged from 11.80 to 37.39 over the past decade. While the company's 10-year median is 31.27 vs. the industry median of 8.97, National 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 8.97, 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. National Life Insurance Co.'s current FCF Margin % of 18.53% is 106.7% 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 National Life Insurance Co. and its competitors. For the Insurance industry, the median FCF Margin % is 8.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Life Insurance Co.'s current FCF Margin % is 18.53%, which is 41% below median its own 10-year median of 31.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Life Insurance Co. stock overvalued right now?
Based on GuruFocus' analysis, National Life Insurance Co. (XNEP:NLICL) is currently considered Fairly Valued. The stock's GF Value™ is NPR626.72, compared to a current price of NPR572.00 — trading 8.7% below its estimated fair value. The current FCF Margin % is 18.53%, which is 41% below median its 10-year median of 31.27 and 106.7% above the Insurance industry median of 8.97. National Life Insurance Co.'s overall GF Score™ is 98/100 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 National Life Insurance Co. (XNEP:NLICL), the current FCF Margin % is 18.53% as of Apr. 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 National Life Insurance Co. (XNEP:NLICL) Overvalued in 2026?
Based on GuruFocus' analysis, National Life Insurance Co. stock appears to be undervalued.
The current stock price of NPR572.00 is trading 8.7% below its estimated GF Value™ of NPR626.72.
GuruFocus considers National Life Insurance Co. to be Fairly Valued.
Key valuation signals for XNEP:NLICL:
FCF Margin %: 18.53% (41% below median its 10-year median of 31.27)
GF Value™: NPR626.72 vs. price of NPR572.00 (8.7% below fair value)
Industry Position: 106.7% above the Insurance median (#215 of 504)
No single metric tells the full story. See the XNEP:NLICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Life Insurance Co. Ltd is engaged in the life insurance business, providing various life insurance products including participating and non-participating products through its province offices, branches, sub-branches, and network of agents. The company's offerings include individual plans, which consist of Endowment Assurance Plan, Childrens Plans, Money Back Plans, Whole Life Plans, Terms Assurance Plans, Retirement Plan and Single Premium Plan. The operating segments of the company include Endowment, Anticipated Endowment, Endowment Cum Whole Life, Foreign Employment Term, and Special Term. The company's main source of revenue is Premium Income, with the majority generated from endowment plans.
98GF Score
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