Linea Directa Aseguradora (XMAD:LDA) Unearned Premiums: €418 Mil (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XMAD:LDA Linea Directa Aseguradora SA XMAD:LDA
75 GF Score
Price €1.31
GF Value €1.30
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Linea Directa Aseguradora Unearned Premiums?

Linea Directa Aseguradora XMAD:LDA +0.77% 75 Unearned Premiums is €418 Mil as of Jun. 2026. GuruFocus rates XMAD:LDA with a GF Score™ of 75/100 and a GF Value™ of €1.30 (Fairly Valued). The stock has 1 warning sign investors should review.

Linea Directa Aseguradora's quarterly unearned premiums increased from Jun. 2025 (€381 Mil) to Dec. 2025 (€404 Mil) and increased from Dec. 2025 (€404 Mil) to Jun. 2026 (€418 Mil).

Linea Directa Aseguradora's annual unearned premiums increased from Dec. 2023 (€339 Mil) to Dec. 2024 (€362 Mil) and increased from Dec. 2024 (€362 Mil) to Dec. 2025 (€404 Mil).

Linea Directa Aseguradora Unearned Premiums Historical Data

* Premium members only.

The historical data trend for Linea Directa Aseguradora's Unearned Premiums 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.

Linea Directa Aseguradora Unearned Premiums Chart

Linea Directa Aseguradora Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Premiums
Get a 7-Day Free Trial 449.74 470.78 339.35 362.28 404.15

Linea Directa Aseguradora Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Unearned Premiums Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 345.79 362.28 381.08 404.15 417.73
XMAD:LDA
75GF Score
Linea Directa Aseguradora SA XMAD:LDA
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Linea Directa Aseguradora Unearned Premiums Calculation

The portion of premium that has not been earned by insurance companies. Insurance companies have to pay them back to the insured if the policies are cancelled.

Frequently Asked Questions Learn more about Unearned Premiums →
What does a Unearned Premiums of €418 Mil mean?
Linea Directa Aseguradora (XMAD:LDA) has a Unearned Premiums of €418 Mil as of Jun. 2026. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Linea Directa Aseguradora and its competitors.
Is Linea Directa Aseguradora's Unearned Premiums too high?
Linea Directa Aseguradora's current Unearned Premiums is €418 Mil. 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 Unearned Premiums compare to CB and PGR?
Linea Directa Aseguradora's Unearned Premiums of €418 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Premiums for an Insurance company?
A good Unearned Premiums depends on the Insurance industry context. However, Unearned Premiums 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 Unearned Premiums mean?
A high Unearned Premiums can signal that a stock is expensive relative to its fundamentals. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Linea Directa Aseguradora and its competitors. Linea Directa Aseguradora's current Unearned Premiums is €418 Mil. 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 0.5% above its estimated fair value. The current Unearned Premiums is €418 Mil. 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 Unearned Premiums calculated?
Unearned Premiums is calculated from a company's financial statements. For Linea Directa Aseguradora (XMAD:LDA), the current Unearned Premiums is €418 Mil 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 0.5% above its estimated GF Value™ of €1.30. GuruFocus considers Linea Directa Aseguradora to be Fairly Valued.

Key valuation signals for XMAD:LDA:

  • Unearned Premiums: €418 Mil
  • GF Value™: €1.30 vs. price of €1.31 (0.5% above fair value)
  • GF Score™: 75/100 with 1 warning sign

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 Business Description

Other Exchanges LNDAF:USALDAe:UK
Address Calle de Isaac Newton 7, Tres Cantos, Madrid, ESP, 28760
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

Get the complete analysis for XMAD:LDA

Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.31
Price
€1.30
GF Value