Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
OUTsurance GroupJSE:OUT 86 Intrinsic Value: Projected FCF is R37.97 as of Sep. 09, 2026. GuruFocus rates JSE:OUT with a GF Score™ of 86/100 and a GF Value™ of R69.20 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 397 Insurance companies, OUTsurance Group ranks worse than 91.94% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-09-09), OUTsurance Group's Intrinsic Value: Projected FCF is R37.97. The stock price of OUTsurance Group is R87.10. Therefore, OUTsurance Group's Price-to-Intrinsic-Value-Projected-FCF of today is 2.3.
The historical rank and industry rank for OUTsurance Group's Intrinsic Value: Projected FCF or its related term are showing as below:
JSE:OUT'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.48 Med: 0.62 Max: 2.3
Current: 2.29
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of OUTsurance Group was 2.30. The lowest was 0.48. And the median was 0.62.
JSE:OUT's Price-to-Projected-FCF is ranked worse than 91.94% of 397
companies
in the Insurance industry
Industry Median: 0.75
vs JSE:OUT: 2.29
OUTsurance Group (JSE:OUT) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
OUTsurance Group's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
87.10
/
37.972382575934
=
2.29
* 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.
OUTsurance Group Intrinsic Value: Projected FCF Related Terms
OUTsurance Group Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for OUTsurance Group's Intrinsic Value: Projected FCF 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.
OUTsurance Group Intrinsic Value: Projected FCF Chart
JSE:OUT vs BRK.A, AIG, HIG: Intrinsic Value: Projected FCF Comparison
For the Insurance - Diversified subindustry, OUTsurance Group's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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.
OUTsurance Group Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, OUTsurance Group's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where OUTsurance Group's Price-to-Projected-FCF falls into.
OUTsurance Group Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of R37.97 mean?
OUTsurance Group (JSE:OUT) has a Intrinsic Value: Projected FCF of R37.97 as of Sep. 09, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on OUTsurance Group and its competitors. According to the industry distribution chart, OUTsurance Group ranks #365 out of 397 companies in the Insurance industry, placing it in the top 91.9%.
Is OUTsurance Group's Intrinsic Value: Projected FCF too high?
OUTsurance Group's current Intrinsic Value: Projected FCF is R37.97. Based on the distribution chart, OUTsurance Group ranks #365 out of 397 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, OUTsurance Group has a GF Score™ of 86/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OUTsurance Group's Intrinsic Value: Projected FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, OUTsurance Group ranks #365 out of 397 companies for Intrinsic Value: Projected FCF. This places OUTsurance Group in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.75. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.75, based on 397 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on OUTsurance Group and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. OUTsurance Group's current Intrinsic Value: Projected FCF is R37.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OUTsurance Group stock overvalued right now?
Based on GuruFocus' analysis, OUTsurance Group (JSE:OUT) is currently considered Modestly Overvalued. The stock's GF Value™ is R69.20, compared to a current price of R87.10 — trading 25.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is R37.97. OUTsurance Group's overall GF Score™ is 86/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For OUTsurance Group (JSE:OUT), the current Intrinsic Value: Projected FCF is R37.97 as of Sep. 09, 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 OUTsurance Group (JSE:OUT) Overvalued in 2026?
Based on GuruFocus' analysis, OUTsurance Group stock appears to be overvalued.
The current stock price of R87.10 is trading 25.9% above its estimated GF Value™ of R69.20.
GuruFocus considers OUTsurance Group to be Modestly Overvalued.
Key valuation signals for JSE:OUT:
Intrinsic Value: Projected FCF: R37.97
GF Value™: R69.20 vs. price of R87.10 (25.9% above fair value)
No single metric tells the full story. See the JSE:OUT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
OUTsurance Group Ltd is an insurance group that specialises in Property and Casualty insurance. Its main segments include personal insurance, business insurance, compulsory third-party vehicle insurance, life insurance, and administration services. The company provides motor, home, business, life, funeral, and pet insurance products through its subsidiaries. The company's primary source of revenue is insurance premiums. The group's activities are focused on the South African, Australian and Irish markets.
86GF Score
Get the complete analysis for JSE:OUT
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
JSE:OUT has been successfully added to your 
