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GeneraliLTS:0K78 +0.24%59 Cyclically Adjusted PB Ratio is 2.33 as of Aug. 13, 2026. GuruFocus rates LTS:0K78 with a GF Score™ of 59/100 and a GF Value™ of €36.31 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 418 Insurance companies, Generali ranks worse than 72.97% on this metric.
The historical rank and industry rank for Generali's Cyclically Adjusted PB Ratio or its related term are showing as below:
LTS:0K78'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0 Med: 0 Max: 2.32
Current: 2.32
During the past years, Generali's highest Cyclically Adjusted PB Ratio was 2.32. The lowest was 0.00. And the median was 0.00.
LTS:0K78's Cyclically Adjusted PB Ratio is ranked worse than 72.97% of 418
companies
in the Insurance industry
Industry Median: 1.405
vs LTS:0K78: 2.32
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.
Generali's adjusted book value per share data for the three months ended in Jun. 2026 was €21.233. 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 €18.99 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Generali (LTS:0K78) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Generali Cyclically Adjusted PB Ratio Related Terms
Generali Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for Generali's Cyclically Adjusted PB Ratio 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.
LTS:0K78 vs BRK.A, AIG, HIG: Cyclically Adjusted PB Ratio Comparison
For the Insurance - Diversified subindustry, Generali'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.
Generali Cyclically Adjusted PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Generali's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Generali's Cyclically Adjusted PB Ratio falls into.
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
Generali's Cyclically Adjusted PB Ratio for today is calculated as
* 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.
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.
What does a Cyclically Adjusted PB Ratio of 2.33 mean?
Generali (LTS:0K78) has a Cyclically Adjusted PB Ratio of 2.33 as of Aug. 13, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Generali and its competitors. According to the industry distribution chart, Generali ranks #305 out of 418 companies in the Insurance industry, placing it in the top 73%.
Is Generali's Cyclically Adjusted PB Ratio too high?
Generali's current Cyclically Adjusted PB Ratio is 2.33. The Insurance industry median Cyclically Adjusted PB Ratio is 1.41. Generali's value of 2.33 is 65.8% above this industry median. Based on the distribution chart, Generali ranks #305 out of 418 companies in the Insurance industry, which is below the industry midpoint. Overall, Generali has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Generali's Cyclically Adjusted PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Generali ranks #305 out of 418 companies for Cyclically Adjusted PB Ratio. This places Generali in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.41. Generali's value of 2.33 is 65.8% 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 Cyclically Adjusted PB Ratio for an Insurance company?
The median Cyclically Adjusted PB Ratio among Insurance companies is 1.41, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Generali's current Cyclically Adjusted PB Ratio of 2.33 is 65.8% 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Generali and its competitors. For the Insurance industry, the median Cyclically Adjusted PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Generali's current Cyclically Adjusted PB Ratio is 2.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Generali stock overvalued right now?
Based on GuruFocus' analysis, Generali (LTS:0K78) is currently considered Modestly Overvalued. The stock's GF Value™ is €36.31, compared to a current price of €44.18 — trading 21.7% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 2.33 and 65.8% above the Insurance industry median of 1.41. Generali's overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Generali (LTS:0K78), the current Cyclically Adjusted PB Ratio is 2.33 as of Aug. 13, 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 Generali (LTS:0K78) Overvalued in 2026?
Based on GuruFocus' analysis, Generali stock appears to be overvalued.
The current stock price of €44.18 is trading 21.7% above its estimated GF Value™ of €36.31.
GuruFocus considers Generali to be Modestly Overvalued.
Key valuation signals for LTS:0K78:
Cyclically Adjusted PB Ratio: 2.33
GF Value™: €36.31 vs. price of €44.18 (21.7% above fair value)
Industry Position: 65.8% above the Insurance median (#305 of 418)
No single metric tells the full story. See the LTS:0K78 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The roots of Generali date back to the 1830s and the Bora wind and rough seas that hit the Trieste region. Over that decade, Generali sought to expand throughout Italy, but growth was held back by the fragmented nature of Italy. The Italian Revolution in the 1840s paved the way for easier expansion in the country. After World War I, Trieste was handed back to Italy. The dissolution of the Austro-Hungarian Empire created a fragmented Europe and a fragmented Generali. To this day, Generali remains quite a diversified company, with its core operations remaining in the historical Austro-Hungarian countries of Austria, Central and Eastern Europe, Germany, and Italy. France is also an important contributor to life and savings.
59GF Score
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