CIG Pannonia Life Insurance OJSC (LTS:0P2E) Cyclically Adjusted Book per Share: Ft104.11 (As of Mar. 2026)

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LTS:0P2E CIG Pannonia Life Insurance OJSC LTS:0P2E
52 GF Score
Price Ft133.34
GF Value Ft137.92
! 4 Warning Signs
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What is CIG Pannonia Life Insurance OJSC Cyclically Adjusted Book per Share?

CIG Pannonia Life Insurance OJSC LTS:0P2E 52 Cyclically Adjusted Book per Share is Ft104.11 as of Mar. 2026. GuruFocus rates LTS:0P2E with a GF Score™ of 52/100 and a GF Value™ of Ft137.92. The stock has 4 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.

CIG Pannonia Life Insurance OJSC's adjusted book value per share for the three months ended in Mar. 2026 was Ft275.848. 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 Ft104.11 for the trailing ten years ended in Mar. 2026.

During the past 12 months, CIG Pannonia Life Insurance OJSC's average Cyclically Adjusted Book Growth Rate was 10.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 15.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 18.60% 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 CIG Pannonia Life Insurance OJSC was 21.40% per year. The lowest was 15.10% per year. And the median was 18.15% per year.

As of today (2026-07-14), CIG Pannonia Life Insurance OJSC's current stock price is Ft133.33721. CIG Pannonia Life Insurance OJSC's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was Ft104.11. CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PB Ratio of today is 1.28.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of CIG Pannonia Life Insurance OJSC was 4.51. The lowest was 1.20. And the median was 1.97.


CIG Pannonia Life Insurance OJSC  (LTS:0P2E) 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.

CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=133.33721/104.11
=1.28

* 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 CIG Pannonia Life Insurance OJSC was 4.51. The lowest was 1.20. And the median was 1.97.


Be Aware

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


CIG Pannonia Life Insurance OJSC Cyclically Adjusted Book per Share Related Terms


CIG Pannonia Life Insurance OJSC Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for CIG Pannonia Life Insurance OJSC'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.

CIG Pannonia Life Insurance OJSC Cyclically Adjusted Book per Share Chart

CIG Pannonia Life Insurance OJSC 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 37.71 81.84 77.07 70.51 79.81

CIG Pannonia Life Insurance OJSC 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 76.12 77.55 78.70 79.81 104.11

LTS:0P2E vs AFL, MET, PRU: Cyclically Adjusted Book per Share Comparison

For the Insurance - Life subindustry, CIG Pannonia Life Insurance OJSC'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.


CIG Pannonia Life Insurance OJSC Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PB Ratio falls into.


LTS:0P2E
52GF Score
CIG Pannonia Life Insurance OJSC LTS:0P2E
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CIG Pannonia Life Insurance OJSC 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, CIG Pannonia Life Insurance OJSC'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)
=275.848/174.6900*174.6900
=275.848

Current CPI (Mar. 2026) = 174.6900.

CIG Pannonia Life Insurance OJSC Quarterly Data

Book Value per Share CPI Adj_Book
201606 57.179 100.814 99.079
201609 59.820 100.370 104.114
201612 63.971 101.406 110.201
201703 102.551 102.147 175.382
201706 103.018 102.724 175.190
201709 134.402 102.902 228.166
201712 123.908 103.627 208.879
201803 136.634 104.219 229.023
201806 181.486 105.922 299.314
201809 180.050 106.588 295.090
201812 178.921 106.440 293.647
201903 189.374 108.068 306.119
201906 190.124 109.475 303.384
201909 158.745 109.623 252.970
201912 144.598 110.659 228.268
202003 132.031 112.287 205.406
202006 149.925 112.583 232.631
202009 142.493 113.398 219.512
202012 147.210 113.694 226.188
202103 146.912 116.358 220.561
202106 145.720 118.579 214.674
202109 148.296 119.541 216.711
202112 216.030 122.058 309.184
202203 126.775 126.351 175.276
202206 95.153 132.420 125.527
202209 80.019 143.597 97.345
202212 199.455 152.036 229.175
202303 199.608 158.105 220.546
202306 199.310 158.993 218.987
202309 223.237 161.140 242.009
202312 246.397 160.400 268.349
202403 249.558 163.879 266.022
202406 235.253 164.841 249.309
202409 254.241 165.877 267.749
202412 224.791 167.802 234.019
202503 243.289 171.577 247.704
202506 263.320 172.391 266.832
202509 273.591 173.060 276.168
202512 271.942 173.280 274.155
202603 275.848 174.690 275.848

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 Ft104.11 mean?
CIG Pannonia Life Insurance OJSC (LTS:0P2E) has a Cyclically Adjusted Book per Share of Ft104.11 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 CIG Pannonia Life Insurance OJSC and its competitors.
Is CIG Pannonia Life Insurance OJSC's Cyclically Adjusted Book per Share too high?
CIG Pannonia Life Insurance OJSC's current Cyclically Adjusted Book per Share is Ft104.11. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's Cyclically Adjusted Book per Share compare to AFL and MET?
CIG Pannonia Life Insurance OJSC's Cyclically Adjusted Book per Share of Ft104.11 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 CIG Pannonia Life Insurance OJSC and its competitors. CIG Pannonia Life Insurance OJSC's current Cyclically Adjusted Book per Share is Ft104.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIG Pannonia Life Insurance OJSC stock overvalued right now?
CIG Pannonia Life Insurance OJSC (LTS:0P2E) has a current Cyclically Adjusted Book per Share of Ft104.11. The stock's GF Value™ is Ft137.92, compared to a current price of Ft133.34 — trading 3.3% below its estimated fair value. The current Cyclically Adjusted Book per Share is Ft104.11. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 52/100 with 4 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 CIG Pannonia Life Insurance OJSC (LTS:0P2E), the current Cyclically Adjusted Book per Share is Ft104.11 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 CIG Pannonia Life Insurance OJSC (LTS:0P2E) Overvalued in 2026?

Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC stock appears to be undervalued. The current stock price of Ft133.34 is trading 3.3% below its estimated GF Value™ of Ft137.92.

Key valuation signals for LTS:0P2E:

  • Cyclically Adjusted Book per Share: Ft104.11
  • GF Value™: Ft137.92 vs. price of Ft133.34 (3.3% below fair value)
  • GF Score™: 52/100 with 4 warning signs

No single metric tells the full story. See the LTS:0P2E stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CIG Pannonia Life Insurance OJSC Business Description

Address 11 Konyves Kalman Korut, Building B, Nepliget Center Business Center, Budapest, HUN, 1097
CIG Pannonia Life Insurance OJSC is an insurance company. The company 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, and Italy. In addition, the company sells riders and non-life insurance products.
52GF Score

Get the complete analysis for LTS:0P2E

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

Ft133.34
Price
Ft137.92
GF Value