Interlife General Insurance S.A. (INLIF) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Interlife General Insurance S.A. €5.71, price €7.58, upside -24.7%, quality 71 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range €3.17 – €7.70 · fair‑value band €5.41 – €6.13 · the €7.58 price screens above the €5.71 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Interlife General Insurance Company S.A. operates as a general insurance company for individual and business in Greece. The company offers car, boat, property, personal, travel, pet, legal protection, civil liability, bicycle and skate, photovoltaic, and transport insurance products, as well as financial products.
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Interlife General Insurance Company S.A. operates as a general insurance company for individual and business in Greece. The company offers car, boat, property, personal, travel, pet, legal protection, civil liability, bicycle and skate, photovoltaic, and transport insurance products, as well as financial products. It also provides contractors all risk, assembly, electronic equipment, mechanical damage, boiler & pressure vessel explosion, and all hazard mechanical equipment, as well as group insurance products. The company was founded in 1991 and is headquartered in Thessaloniki, Greece.
Stock analysis
Interlife General Insurance S.A. (INLIF) currently trades at €7.58, while our model-based Fair Value estimate is €5.71, implying the stock looks roughly 32.7% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €9.65 per share, and 2 of the 6 models we run sit above the €7.58 price.
Bear case: the Dividend Discount group reads lowest at €1.33, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: €5.41 (bear) to €6.13 (bull), the price of €7.58 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 71/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Interlife General Insurance S.A. reported revenue of €106M in FY2023 versus €81.3M in FY2019, a compound +6.8%/yr. Reported net income was €13.7M in FY2023, compounding −7.7%/yr from FY2019.
Key figures
Market cap €140M · P/E ratio 31.6 · P/S ratio 4.10 · EPS (TTM) €0.2400 · Dividend yield 1.7% · Net margin 13.0% · Return on equity 18.0% · Return on assets 4.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 52% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at −25%, INLIF screens richer than that median.
Fair Value models
Bear €5.41Fair Value €5.71Bull €6.13
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+72.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.1%
’19
’20
’21
’22
’23
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−4.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.1%
Dividend (yield on the price)1.7%
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+4.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +2.2% a year for the price.
Compare Interlife General Insurance S.A. with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 83 stocks
Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score71 · Top 25%
Fair Value upside−25% · Below median
Profitability
Return on equity (TTM)18% · Above median
Return on assets4% · Top 25%
Net margin (TTM)21% · Top 25%
Operating margin (TTM)19% · Top 25%
Growth and dividend
Revenue growth10% · Above median
Dividend yield (TTM)1.7% · Bottom 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
P/E (TTM)31.6× · Priciest 25%
P/FCF13.3× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 6
FUTURE (revenue growth)52· sector 31
PAST (return on equity)72· sector 49
HEALTH (low debt)0· sector 89
DIVIDEND (yield)34· sector 73
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Interlife General Insurance S.A. Fair Value". https://www.fairvalue-calculator.com/stock/INLIF
Frequently asked questions
Is Interlife General Insurance S.A. (INLIF) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €5.71 versus a price of €7.58, about −25% upside (overvalued).
What is the fair value of INLIF?
Our model-based fair value for Interlife General Insurance S.A. is €5.71 (as of Sep 23, 2026), built from audited fundamentals. The current price: €7.58.
What is the quality score of INLIF?
Interlife General Insurance S.A. has a Quality Score of 71/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Interlife General Insurance S.A. (INLIF)?
Our model-based price target is the fair value of €5.71 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario €5.41, optimistic scenario €6.13. It is a calculation from audited fundamentals, not an analyst target.
What is the Interlife General Insurance S.A. stock forecast for 2026?
Our models put fair value at €5.71, about −25% upside versus a price of €7.58 (overvalued). Cautious scenario €5.41, optimistic scenario €6.13. The calculation is refreshed regularly with new filings.
What is the revenue of Interlife General Insurance S.A. (INLIF)?
Interlife General Insurance S.A. reported trailing-twelve-month revenue of about €129M (latest available figure, as of Sep 23, 2026).
Does Interlife General Insurance S.A. pay a dividend?
Interlife General Insurance S.A. currently shows a dividend yield of about 1.72% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Interlife General Insurance S.A. (INLIF)?
For today's price to be fair in a discounted-cash-flow model, Interlife General Insurance S.A. would have to grow free cash flow by +4.4 % per year for five years (discount rate 13.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +6.8 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of INLIF use?
Our models discount Interlife General Insurance S.A. at 13.9 %: a base by market capitalisation (micro), damped by beta 0.48, country premium for Greece. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Interlife General Insurance S.A. that is +4.4 % per year a year over ten years, using the same discount rate (13.9 %) and the same formula as our fair value.
How much growth has Interlife General Insurance S.A. (INLIF) delivered so far?
Over the past 4 years revenue at Interlife General Insurance S.A. grew +6.8 % a year. The price currently implies +4.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Interlife General Insurance S.A. (INLIF) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Interlife General Insurance S.A. (+4.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Interlife General Insurance S.A. (INLIF)?
The free-cash-flow yield on the price is 8.53 %: that much free cash flow Interlife General Insurance S.A. produces per unit of market value. When it exceeds the discount rate of our models (13.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Interlife General Insurance S.A. (INLIF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Interlife General Insurance S.A. it is €5.71 per share (as of Sep 23, 2026), against a price of €7.58. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Interlife General Insurance S.A. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, INLIF trades above its calculated fair value: price €7.58, fair value €5.71, a gap of about −25% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of INLIF?
No. The price is what the market pays today (€7.58); the fair value is what the company's own numbers justify (€5.71). For Interlife General Insurance S.A. the two are €1.87 per share apart. That gap is exactly why we show both numbers side by side.
How much is Interlife General Insurance S.A. worth?
The market values Interlife General Insurance S.A. at about €140M (market capitalisation, as of Sep 23, 2026). Per share that is €7.58; our models calculate a fair value of €5.71 per share.
What do the bullish and bearish scenarios say about INLIF?
Our models span a range for Interlife General Insurance S.A.: cautious scenario €5.41, base €5.71, optimistic €6.13 per share (as of Sep 23, 2026, price €7.58). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of INLIF?
Interlife General Insurance S.A. trades at a price-to-earnings ratio of 31.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €5.71 is built from several models across several years.
How solid is the balance sheet of Interlife General Insurance S.A. (INLIF)?
Balance-sheet figures for Interlife General Insurance S.A. (as of Sep 23, 2026): return on equity 18.0%. They feed the Quality Score of 71/100, which measures business quality independently of the share price.
How far is INLIF from its 52-week high?
Interlife General Insurance S.A. trades at €7.58, about 2% below its 52-week high of €7.70 and 52% above the low of €5.00 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €5.71 is for.
Which stocks are comparable to Interlife General Insurance S.A.?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Interlife General Insurance S.A. stock attractive at the current price?
The data as of Sep 23, 2026: price €7.58, calculated fair value €5.71 (−25%), Quality Score 71/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of INLIF calculated?
We run Interlife General Insurance S.A. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €5.71, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Interlife General Insurance S.A. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Interlife General Insurance S.A. (INLIF)?
The closing price on Sep 24, 2026 was €7.58. Our model-based fair value is €5.71, about −25% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Interlife General Insurance S.A. right now?
A high-quality business (quality 71/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (€6.13). The favourable scenario is already priced in. The models converge in a tight band (€5.41 to €6.13), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Interlife General Insurance S.A.
How large is the market capitalisation of Interlife General Insurance S.A. (INLIF)?
The market capitalisation of Interlife General Insurance S.A. is €140M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Interlife General Insurance S.A. (INLIF)?
The price-to-sales ratio of Interlife General Insurance S.A. is 4.10 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Interlife General Insurance S.A. (INLIF)?
Earnings per share at Interlife General Insurance S.A. are €0.2400 (price ÷ EPS = P/E 31.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Interlife General Insurance S.A. (INLIF)?
The dividend yield of Interlife General Insurance S.A. is 1.7% (payout 54.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Interlife General Insurance S.A. (INLIF)?
The net margin of Interlife General Insurance S.A. is 13.0% (fiscal year 2023). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Interlife General Insurance S.A. (INLIF)?
The return on equity (ROE) of Interlife General Insurance S.A. is 18.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Interlife General Insurance S.A. (INLIF)?
The return on assets (ROA) of Interlife General Insurance S.A. is 4.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Interlife General Insurance S.A. (INLIF)?
The operating margin of Interlife General Insurance S.A. is 18.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Interlife General Insurance S.A. (INLIF)?
Revenue at Interlife General Insurance S.A. is growing +10.4% versus a year earlier (3y avg +16.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Interlife General Insurance S.A. (INLIF)?
Earnings per share at Interlife General Insurance S.A. are growing +68.7% versus a year earlier. How much earnings per share grew versus a year earlier.
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