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National Reinsurance of the PhilippinesPHS:NRCP 42 Intrinsic Value: Projected FCF is ₱3.15 as of Aug. 15, 2026, which is 100% below its 10-year median of 0.37. GuruFocus rates PHS:NRCP with a GF Score™ of 42/100 and a GF Value™ of ₱0.62 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 396 Insurance companies, National Reinsurance of the Philippines ranks better than 88.13% 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.
The historical rank and industry rank for National Reinsurance of the Philippines's Intrinsic Value: Projected FCF or its related term are showing as below:
PHS:NRCP'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.16 Med: 0.37 Max: 15.29
Current: 0.32
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of National Reinsurance of the Philippines was 15.29. The lowest was 0.16. And the median was 0.37.
PHS:NRCP's Price-to-Projected-FCF is ranked better than 88.13% of 396
companies
in the Insurance industry
Industry Median: 0.76
vs PHS:NRCP: 0.32
National Reinsurance of the Philippines (PHS:NRCP) 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.
National Reinsurance of the Philippines's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
0.99
/
3.1525448593307
=
0.31
* 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 Reinsurance of the Philippines Intrinsic Value: Projected FCF Related Terms
National Reinsurance of the Philippines Intrinsic Value: Projected FCF Historical Data
* 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 Reinsurance of the Philippines Intrinsic Value: Projected FCF Chart
National Reinsurance of the Philippines Annual Data
PHS:NRCP vs RGA, EG, RNR: Intrinsic Value: Projected FCF Comparison
For the Insurance - Reinsurance subindustry, National Reinsurance of the Philippines'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.
National Reinsurance of the Philippines Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, National Reinsurance of the Philippines's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where National Reinsurance of the Philippines's Price-to-Projected-FCF falls into.
National Reinsurance of the Philippines 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 ₱3.15 mean?
National Reinsurance of the Philippines (PHS:NRCP) has a Intrinsic Value: Projected FCF of ₱3.15 as of Aug. 15, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on National Reinsurance of the Philippines and its competitors. This is 751% above median its historical median of 0.37. Over the past decade, National Reinsurance of the Philippines' Intrinsic Value: Projected FCF has ranged from 0.16 to 15.29. According to the industry distribution chart, National Reinsurance of the Philippines ranks #47 out of 396 companies in the Insurance industry, placing it in the top 11.9%.
Is National Reinsurance of the Philippines' Intrinsic Value: Projected FCF too high?
National Reinsurance of the Philippines' current Intrinsic Value: Projected FCF of ₱3.15 is 751% above median its 10-year median of 0.37. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 15.29. Based on the distribution chart, National Reinsurance of the Philippines ranks #47 out of 396 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, National Reinsurance of the Philippines has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Reinsurance of the Philippines' Intrinsic Value: Projected FCF compare to RGA and EG?
According to the Insurance industry distribution chart, National Reinsurance of the Philippines ranks #47 out of 396 companies for Intrinsic Value: Projected FCF. This places National Reinsurance of the Philippines in the top 12% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.76. Historically, National Reinsurance of the Philippines' own Intrinsic Value: Projected FCF has ranged from 0.16 to 15.29 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 Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.76, based on 396 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 National Reinsurance of the Philippines and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Reinsurance of the Philippines's current Intrinsic Value: Projected FCF is ₱3.15, which is 751% above median its own 10-year median of 0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Reinsurance of the Philippines stock overvalued right now?
Based on GuruFocus' analysis, National Reinsurance of the Philippines (PHS:NRCP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱0.62, compared to a current price of ₱0.99 — trading 59.7% above its estimated fair value. The current Intrinsic Value: Projected FCF is ₱3.15, which is 751% above median its 10-year median of 0.37. National Reinsurance of the Philippines' overall GF Score™ is 42/100 with 3 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 National Reinsurance of the Philippines (PHS:NRCP), the current Intrinsic Value: Projected FCF is ₱3.15 as of Aug. 15, 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 Reinsurance of the Philippines (PHS:NRCP) Overvalued in 2026?
Based on GuruFocus' analysis, National Reinsurance of the Philippines stock appears to be overvalued.
The current stock price of ₱0.99 is trading 59.7% above its estimated GF Value™ of ₱0.62.
GuruFocus considers National Reinsurance of the Philippines to be Significantly Overvalued.
Key valuation signals for PHS:NRCP:
Intrinsic Value: Projected FCF: ₱3.15 (751% above median its 10-year median of 0.37)
GF Value™: ₱0.62 vs. price of ₱0.99 (59.7% above fair value)
No single metric tells the full story. See the PHS:NRCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Reinsurance Corp of the Philippines engages in the provision of reinsurance products and services. It operates through the following businesses: life and non-life. The Life Business includes proportional insurance for individual, ordinary, and group businesses, as well as non-proportional insurance for catastrophe, an excess of loss, and stop loss. Non-Life Business provides insurance on fire, aviation, marine and aviation, casualty, motor, and others.
42GF Score
Get the complete analysis for PHS:NRCP
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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