CIG Pannonia Life Insurance OJSC is an insurance company. It mainly sells various insurance products including unit-linked life insurance, term life insurance, endowment insurance, health insurance, casco, freight liability and suretyship insurance and also offers investment fund management and portfolio management. The company carries its activities in Hungary, Romania, Slovakia, Poland, Lithuania, and Italy. In addition, the company sells riders and non-life insurance products.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	8.78
Equity-to-Asset	0.15
Debt-to-Equity	0.02
Debt-to-EBITDA	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.32	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-1.2
	3-Year FCF Growth Rate	-10.8
	3-Year Book Growth Rate	-13.2

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	47.65
	9-Day RSI	52.3
	14-Day RSI	54.95
	6-1 Month Momentum %	46.48
	12-1 Month Momentum %	33.93

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.81
	Dividend Payout Ratio	2.7
	3-Year Dividend Growth Rate	-17.4
	Forward Dividend Yield %	8.82
	5-Year Yield-on-Cost %	4.81
	Shareholder Yield %	5.22

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	1.83
	FCF Margin %	11.97
	ROE %	4.22
	ROA %	0.48
	Years of Profitability over Past 10-Year	7

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	55.84
	PE Ratio without NRI	55.84
	Shiller PE Ratio	21.59
	Price-to-Owner-Earnings	6.54
	PS Ratio	1.02
	PB Ratio	1.67
	Price-to-Tangible-Book	1.74
	Price-to-Free-Cash-Flow	8.49
	Price-to-Operating-Cash-Flow	7.97
	EV-to-Revenue	0.93
	EV-to-FCF	7.83
	Price-to-Projected-FCF	0.76
	Price-to-Median-PS-Value	1.25
	Price-to-Graham-Number	2.07
	FCF Yield %	11.89

GF Value: Ft362.52

BUD:CIGPANNONIA

Warning Signs

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