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Global United InsuranceXPAE:GUI 44 Intrinsic Value: Projected FCF is $1.07 as of Aug. 16, 2026, which is 12% below its 10-year median of 1.22. GuruFocus rates XPAE:GUI with a GF Score™ of 44/100 and a GF Value™ of $1.69 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 399 Insurance companies, Global United Insurance ranks worse than 77.19% 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 Global United Insurance's Intrinsic Value: Projected FCF or its related term are showing as below:
XPAE:GUI'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.57 Med: 1.22 Max: 2.45
Current: 1.34
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Global United Insurance was 2.45. The lowest was 0.57. And the median was 1.22.
XPAE:GUI's Price-to-Projected-FCF is ranked worse than 77.19% of 399
companies
in the Insurance industry
Industry Median: 0.76
vs XPAE:GUI: 1.34
Global United Insurance (XPAE:GUI) 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.
Global United Insurance's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
1.43
/
1.072534678037
=
1.33
* 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.
Global United Insurance Intrinsic Value: Projected FCF Related Terms
Global United Insurance Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Global United Insurance'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.
Global United Insurance Intrinsic Value: Projected FCF Chart
XPAE:GUI vs BRK.A, AIG, HIG: Intrinsic Value: Projected FCF Comparison
For the Insurance - Diversified subindustry, Global United Insurance'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.
Global United Insurance Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Global United Insurance's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Global United Insurance's Price-to-Projected-FCF falls into.
Global United Insurance 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 $1.07 mean?
Global United Insurance (XPAE:GUI) has a Intrinsic Value: Projected FCF of $1.07 as of Aug. 16, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Global United Insurance and its competitors. This is 12% below median its historical median of 1.22. Over the past decade, Global United Insurance's Intrinsic Value: Projected FCF has ranged from 0.57 to 2.45. According to the industry distribution chart, Global United Insurance ranks #308 out of 399 companies in the Insurance industry, placing it in the top 77.2%.
Is Global United Insurance's Intrinsic Value: Projected FCF too high?
Global United Insurance's current Intrinsic Value: Projected FCF of $1.07 is 12% below median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 2.45. The Insurance industry median Intrinsic Value: Projected FCF is 0.76. Global United Insurance's value of $1.07 is 40.8% above this industry median. Based on the distribution chart, Global United Insurance ranks #308 out of 399 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Global United Insurance has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Global United Insurance's Intrinsic Value: Projected FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Global United Insurance ranks #308 out of 399 companies for Intrinsic Value: Projected FCF. This places Global United Insurance in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.76. Global United Insurance's value of $1.07 is 40.8% above this benchmark. Historically, Global United Insurance's own Intrinsic Value: Projected FCF has ranged from 0.57 to 2.45 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 0.76, Global United Insurance 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 Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.76, based on 399 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. Global United Insurance's current Intrinsic Value: Projected FCF of $1.07 is 40.8% 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 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 Global United Insurance 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. Global United Insurance's current Intrinsic Value: Projected FCF is $1.07, which is 12% below median its own 10-year median of 1.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Global United Insurance stock overvalued right now?
Based on GuruFocus' analysis, Global United Insurance (XPAE:GUI) is currently considered Modestly Undervalued. The stock's GF Value™ is $1.69, compared to a current price of $1.43 — trading 15.4% below its estimated fair value. The current Intrinsic Value: Projected FCF is $1.07, which is 12% below median its 10-year median of 1.22 and 40.8% above the Insurance industry median of 0.76. Global United Insurance's overall GF Score™ is 44/100 with 2 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 Global United Insurance (XPAE:GUI), the current Intrinsic Value: Projected FCF is $1.07 as of Aug. 16, 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 Global United Insurance (XPAE:GUI) Overvalued in 2026?
Based on GuruFocus' analysis, Global United Insurance stock appears to be undervalued.
The current stock price of $1.43 is trading 15.4% below its estimated GF Value™ of $1.69.
GuruFocus considers Global United Insurance to be Modestly Undervalued.
Key valuation signals for XPAE:GUI:
Intrinsic Value: Projected FCF: $1.07 (12% below median its 10-year median of 1.22)
GF Value™: $1.69 vs. price of $1.43 (15.4% below fair value)
Industry Position: 40.8% above the Insurance median (#308 of 399)
No single metric tells the full story. See the XPAE:GUI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Global United Insurance is engaged in insurance, reinsurance, insurance, and compensation business. It offers personal accident insurance, fire insurance, marine insurance, Life Insurance, Motor insurance, engineering insurance, and Other general insurance, and the majority of the revenue comes from Motor Insurance.
44GF Score
Get the complete analysis for XPAE:GUI
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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