Powszechny Zaklad Ubezpieczen (LTS:0MYY) Cyclically Adjusted Book per Share: zł24.71 (As of Mar. 2026)


LTS:0MYY Powszechny Zaklad Ubezpieczen SA LTS:0MYY
75 GF Score
Price zł42.09
GF Value zł37.59
! 9 Warning Signs
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What is Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share?

Powszechny Zaklad Ubezpieczen LTS:0MYY 75 Cyclically Adjusted Book per Share is zł24.71 as of Mar. 2026. GuruFocus rates LTS:0MYY with a GF Score™ of 75/100 and a GF Value™ of zł37.59. The stock has 9 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Powszechny Zaklad Ubezpieczen's adjusted book value per share for the three months ended in Mar. 2026 was zł42.697. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is zł24.71 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Powszechny Zaklad Ubezpieczen's average Cyclically Adjusted Book Growth Rate was 4.70% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 10.90% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Powszechny Zaklad Ubezpieczen was 12.50% per year. The lowest was 6.90% per year. And the median was 10.65% per year.

As of today (2026-07-06), Powszechny Zaklad Ubezpieczen's current stock price is zł42.09. Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was zł24.71. Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio of today is 1.70.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Powszechny Zaklad Ubezpieczen was 2.70. The lowest was 0.84. And the median was 1.57.


Powszechny Zaklad Ubezpieczen  (LTS:0MYY) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=42.09/24.71
=1.70

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Powszechny Zaklad Ubezpieczen was 2.70. The lowest was 0.84. And the median was 1.57.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share Related Terms


Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share 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.

Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share Chart

Powszechny Zaklad Ubezpieczen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 28.98 33.84 27.83 31.25 22.97

Powszechny Zaklad Ubezpieczen Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 26.22 23.64 27.80 22.97 24.71

LTS:0MYY vs CB, PGR, TRV: Cyclically Adjusted Book per Share Comparison

For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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.


Powszechny Zaklad Ubezpieczen Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio falls into.


LTS:0MYY
75GF Score
Powszechny Zaklad Ubezpieczen SA LTS:0MYY
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Powszechny Zaklad Ubezpieczen's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=42.697/163.0700*163.0700
=42.697

Current CPI (Mar. 2026) = 163.0700.

Powszechny Zaklad Ubezpieczen Quarterly Data

Book Value per Share CPI Adj_Book
201606 20.713 99.552 33.929
201609 21.778 99.064 35.849
201612 22.857 100.366 37.137
201703 24.531 101.018 39.600
201706 23.146 101.180 37.304
201709 24.467 101.343 39.370
201712 25.689 102.564 40.844
201803 26.178 102.564 41.621
201806 23.368 103.378 36.861
201809 24.932 103.378 39.328
201812 26.262 103.785 41.264
201903 27.798 104.274 43.472
201906 25.182 105.983 38.746
201909 27.010 105.983 41.559
201912 28.451 107.123 43.310
202003 28.504 109.076 42.614
202006 29.871 109.402 44.525
202009 31.478 109.320 46.955
202012 33.040 109.565 49.175
202103 22.436 112.658 32.476
202106 19.590 113.960 28.032
202109 20.196 115.588 28.492
202112 25.560 119.088 35.000
202203 19.649 125.031 25.627
202206 17.335 131.705 21.463
202209 18.037 135.531 21.702
202212 30.297 139.113 35.515
202303 31.654 145.950 35.367
202306 31.028 147.009 34.418
202309 33.212 146.113 37.066
202312 34.784 147.741 38.393
202403 36.261 149.044 39.674
202406 33.545 150.997 36.227
202409 35.121 153.439 37.325
202412 37.186 154.660 39.208
202503 39.437 157.021 40.956
202506 37.009 157.509 38.316
202509 39.311 158.000 40.572
202512 41.077 158.320 42.309
202603 42.697 163.070 42.697

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of zł24.71 mean?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Cyclically Adjusted Book per Share of zł24.71 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors.
Is Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share too high?
Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted Book per Share is zł24.71. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share compare to CB and PGR?
Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share of zł24.71 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 Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted Book per Share is zł24.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Powszechny Zaklad Ubezpieczen stock overvalued right now?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a current Cyclically Adjusted Book per Share of zł24.71. The stock's GF Value™ is zł37.59, compared to a current price of zł42.09 — trading 12% above its estimated fair value. The current Cyclically Adjusted Book per Share is zł24.71. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 75/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Cyclically Adjusted Book per Share is zł24.71 as of Mar. 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of zł42.09 is trading 12% above its estimated GF Value™ of zł37.59.

Key valuation signals for LTS:0MYY:

  • Cyclically Adjusted Book per Share: zł24.71
  • GF Value™: zł37.59 vs. price of zł42.09 (12% above fair value)
  • GF Score™: 75/100 with 9 warning signs

No single metric tells the full story. See the LTS:0MYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Powszechny Zaklad Ubezpieczen Business Description

Address Al. Jana Pawla II 24, Warsaw, POL, 00-133
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
75GF Score

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Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł42.09
Price
zł37.59
GF Value