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During the past 12 months, Linea Directa Aseguradora's average Book Value per Share Growth Rate was 14.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 11.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -2.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 6 years, the highest 3-Year average Book Value per Share Growth Rate of Linea Directa Aseguradora was 11.70% per year. The lowest was -12.40% per year. And the median was -1.90% per year.
Linea Directa Aseguradora (XMAD:LDA) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Linea Directa Aseguradora 3-Year Book Growth Rate Related Terms
XMAD:LDA vs CB, PGR, TRV: 3-Year Book Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Linea Directa Aseguradora's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
Linea Directa Aseguradora 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Linea Directa Aseguradora's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Linea Directa Aseguradora's 3-Year Book Growth Rate falls into.
Linea Directa Aseguradora 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 11.70% mean?
Linea Directa Aseguradora (XMAD:LDA) has a 3-Year Book Growth Rate of 11.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Linea Directa Aseguradora and its competitors. According to the industry distribution chart, Linea Directa Aseguradora ranks #172 out of 475 companies in the Insurance industry, placing it in the top 36.2%.
Is Linea Directa Aseguradora's 3-Year Book Growth Rate too high?
Linea Directa Aseguradora's current 3-Year Book Growth Rate is 11.70%. The Insurance industry median 3-Year Book Growth Rate is 8.30. Linea Directa Aseguradora's value of 11.70% is 41% above this industry median. Based on the distribution chart, Linea Directa Aseguradora ranks #172 out of 475 companies in the Insurance industry, which is above the industry midpoint. Overall, Linea Directa Aseguradora has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Linea Directa Aseguradora's 3-Year Book Growth Rate compare to CB and PGR?
According to the Insurance industry distribution chart, Linea Directa Aseguradora ranks #172 out of 475 companies for 3-Year Book Growth Rate. This puts Linea Directa Aseguradora in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.30. Linea Directa Aseguradora's value of 11.70% is 41% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.30, based on 475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Linea Directa Aseguradora's current 3-Year Book Growth Rate of 11.70% is 41% 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Linea Directa Aseguradora and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Linea Directa Aseguradora's current 3-Year Book Growth Rate is 11.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Linea Directa Aseguradora stock overvalued right now?
Based on GuruFocus' analysis, Linea Directa Aseguradora (XMAD:LDA) is currently considered Fairly Valued. The stock's GF Value™ is €1.30, compared to a current price of €1.31 — trading 1.1% above its estimated fair value. The current 3-Year Book Growth Rate is 11.70% and 41% above the Insurance industry median of 8.30. Linea Directa Aseguradora's overall GF Score™ is 75/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Linea Directa Aseguradora (XMAD:LDA), the current 3-Year Book Growth Rate is 11.70% as of Jun. 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 Linea Directa Aseguradora (XMAD:LDA) Overvalued in 2026?
Based on GuruFocus' analysis, Linea Directa Aseguradora stock appears to be overvalued.
The current stock price of €1.31 is trading 1.1% above its estimated GF Value™ of €1.30.
GuruFocus considers Linea Directa Aseguradora to be Fairly Valued.
Key valuation signals for XMAD:LDA:
3-Year Book Growth Rate: 11.70%
GF Value™: €1.30 vs. price of €1.31 (1.1% above fair value)
Industry Position: 41% above the Insurance median (#172 of 475)
No single metric tells the full story. See the XMAD:LDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Linea Directa Aseguradora SA is engaged in insurance and reinsurance activities in the motor, home, and other non-life segments. The company has five operating segments; The motor segment which derives maximum revenue, includes private motor insurance and motorbike insurance, The home segment includes multi-risk home insurance products with theft damage, civil liability, fire damage, aesthetic damage, etc, The health segment includes health insurance products under the Vivaz brand, The other insurance segment includes various products with stand-alone policies that are not linked to motor, home or health insurance, such as travel insurance for holders of credit cards and wellness insurance, and The other activities segment mainly relates to auxiliary insurance businesses, and commissions.
75GF Score
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