Powszechny Zaklad Ubezpieczen (LTS:0MYY) Cyclically Adjusted PS Ratio: 0.93 (As of Jul. 23, 2026) — Near Median

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LTS:0MYY Powszechny Zaklad Ubezpieczen SA LTS:0MYY
80 GF Score
Price zł42.09
GF Value zł37.19
! 9 Warning Signs
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What is Powszechny Zaklad Ubezpieczen Cyclically Adjusted PS Ratio?

Powszechny Zaklad Ubezpieczen LTS:0MYY 80 Cyclically Adjusted PS Ratio is 0.93 as of Jul. 23, 2026, which is at its 10-year median of 0.93. GuruFocus rates LTS:0MYY with a GF Score™ of 80/100 and a GF Value™ of zł37.19. The stock has 9 warning signs investors should review. Among 411 Insurance companies, Powszechny Zaklad Ubezpieczen ranks better than 58.64% on this metric.

As of today (2026-07-23), Powszechny Zaklad Ubezpieczen's current share price is zł42.09. Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was zł45.32. Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PS Ratio for today is 0.93.

The historical rank and industry rank for Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PS Ratio or its related term are showing as below:

LTS:0MYY' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.5   Med: 0.93   Max: 1.79
Current: 1.01

During the past years, Powszechny Zaklad Ubezpieczen's highest Cyclically Adjusted PS Ratio was 1.79. The lowest was 0.50. And the median was 0.93.

LTS:0MYY's Cyclically Adjusted PS Ratio is ranked better than
58.64% of 411 companies
in the Insurance industry
Industry Median: 1.21 vs LTS:0MYY: 1.01

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Powszechny Zaklad Ubezpieczen's adjusted revenue per share data for the three months ended in Mar. 2026 was zł17.452. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is zł45.32 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Powszechny Zaklad Ubezpieczen  (LTS:0MYY) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Powszechny Zaklad Ubezpieczen Cyclically Adjusted PS Ratio Related Terms


Powszechny Zaklad Ubezpieczen Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PS 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.

Powszechny Zaklad Ubezpieczen Cyclically Adjusted PS Ratio Chart

Powszechny Zaklad Ubezpieczen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.89 0.73 0.87 0.75 1.01

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 PS Ratio 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 0.89 0.99 0.84 1.01 0.93

LTS:0MYY vs CB, PGR, TRV: Cyclically Adjusted PS Ratio Comparison

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

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

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


LTS:0MYY
80GF Score
Powszechny Zaklad Ubezpieczen SA LTS:0MYY
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Powszechny Zaklad Ubezpieczen Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.

Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=42.09/45.32
=0.93

* 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's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=17.452/163.0700*163.0700
=17.452

Current CPI (Mar. 2026) = 163.0700.

Powszechny Zaklad Ubezpieczen Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 6.412 99.552 10.503
201609 7.451 99.064 12.265
201612 7.152 100.366 11.620
201703 8.617 101.018 13.910
201706 8.832 101.180 14.234
201709 11.262 101.343 18.122
201712 11.127 102.564 17.691
201803 10.706 102.564 17.022
201806 11.364 103.378 17.926
201809 11.620 103.378 18.330
201812 11.551 103.785 18.149
201903 11.859 104.274 18.546
201906 12.004 105.983 18.470
201909 12.181 105.983 18.742
201912 12.510 107.123 19.044
202003 11.065 109.076 16.542
202006 12.444 109.402 18.549
202009 11.468 109.320 17.106
202012 11.701 109.565 17.415
202103 11.673 112.658 16.896
202106 11.912 113.960 17.045
202109 11.538 115.588 16.278
202112 12.215 119.088 16.726
202203 11.853 125.031 15.459
202206 11.011 131.705 13.633
202209 9.512 135.531 11.445
202212 18.065 139.113 21.176
202303 16.670 145.950 18.625
202306 15.523 147.009 17.219
202309 15.572 146.113 17.379
202312 17.252 147.741 19.042
202403 15.395 149.044 16.844
202406 15.229 150.997 16.447
202409 16.323 153.439 17.348
202412 25.490 154.660 26.876
202503 18.233 157.021 18.935
202506 16.443 157.509 17.024
202509 16.938 158.000 17.482
202512 25.530 158.320 26.296
202603 17.452 163.070 17.452

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

What does a Cyclically Adjusted PS Ratio of 0.93 mean?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Cyclically Adjusted PS Ratio of 0.93 as of Jul. 23, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. This is near median its historical median of 0.93. Over the past decade, Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PS Ratio has ranged from 0.50 to 1.79. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #170 out of 411 companies in the Insurance industry, placing it in the top 41.4%.
Is Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PS Ratio too high?
Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted PS Ratio of 0.93 is near median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 1.79. The Insurance industry median Cyclically Adjusted PS Ratio is 1.21. Powszechny Zaklad Ubezpieczen's value of 0.93 is 23.1% below this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #170 out of 411 companies in the Insurance industry, which is above the industry midpoint. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PS Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #170 out of 411 companies for Cyclically Adjusted PS Ratio. This puts Powszechny Zaklad Ubezpieczen in the upper half of its industry. The industry median Cyclically Adjusted PS Ratio is 1.21. Powszechny Zaklad Ubezpieczen's value of 0.93 is 23.1% below this benchmark. Historically, Powszechny Zaklad Ubezpieczen's own Cyclically Adjusted PS Ratio has ranged from 0.50 to 1.79 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 1.21, Powszechny Zaklad Ubezpieczen has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.21, based on 411 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted PS Ratio of 0.93 is 23.1% below 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 PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted PS Ratio is 0.93, which is near median its own 10-year median of 0.93. 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 PS Ratio of 0.93. The stock's GF Value™ is zł37.19, compared to a current price of zł42.09 — trading 13.2% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.93, which is near median its 10-year median of 0.93 and 23.1% below the Insurance industry median of 1.21. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 80/100 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Cyclically Adjusted PS Ratio is 0.93 as of Jul. 23, 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 13.2% above its estimated GF Value™ of zł37.19.

Key valuation signals for LTS:0MYY:

  • Cyclically Adjusted PS Ratio: 0.93 (near median its 10-year median of 0.93)
  • GF Value™: zł37.19 vs. price of zł42.09 (13.2% above fair value)
  • GF Score™: 80/100 with 9 warning signs
  • Industry Position: 23.1% below the Insurance median (#170 of 411)

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.
80GF Score

Get the complete analysis for LTS:0MYY

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

zł42.09
Price
zł37.19
GF Value