CIG Pannonia Life Insurance OJSC (LTS:0P2E) Cyclically Adjusted PS Ratio: 0.67 (As of Jul. 28, 2026) — 16% Below Median

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LTS:0P2E CIG Pannonia Life Insurance OJSC LTS:0P2E
50 GF Score
Price Ft133.34
GF Value Ft144.84
! 4 Warning Signs
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What is CIG Pannonia Life Insurance OJSC Cyclically Adjusted PS Ratio?

CIG Pannonia Life Insurance OJSC LTS:0P2E 50 Cyclically Adjusted PS Ratio is 0.67 as of Jul. 28, 2026, which is 16% below its 10-year median of 0.80. GuruFocus rates LTS:0P2E with a GF Score™ of 50/100 and a GF Value™ of Ft144.84. The stock has 4 warning signs investors should review. Among 414 Insurance companies, CIG Pannonia Life Insurance OJSC ranks better than 72.46% on this metric.

As of today (2026-07-28), CIG Pannonia Life Insurance OJSC's current share price is Ft133.33721. CIG Pannonia Life Insurance OJSC's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was Ft198.28. CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PS Ratio for today is 0.67.

The historical rank and industry rank for CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PS Ratio or its related term are showing as below:

LTS:0P2E' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.27   Med: 0.8   Max: 1.04
Current: 0.7

During the past years, CIG Pannonia Life Insurance OJSC's highest Cyclically Adjusted PS Ratio was 1.04. The lowest was 0.27. And the median was 0.80.

LTS:0P2E's Cyclically Adjusted PS Ratio is ranked better than
72.46% of 414 companies
in the Insurance industry
Industry Median: 1.23 vs LTS:0P2E: 0.70

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.

CIG Pannonia Life Insurance OJSC's adjusted revenue per share data for the three months ended in Mar. 2026 was Ft75.073. 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 Ft198.28 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


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


CIG Pannonia Life Insurance OJSC Cyclically Adjusted PS Ratio Related Terms


CIG Pannonia Life Insurance OJSC Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

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

CIG Pannonia Life Insurance OJSC Cyclically Adjusted PS Ratio Chart

CIG Pannonia Life Insurance OJSC 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 1.01 0.56 0.70 0.87 0.86

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 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 0.84 0.86 0.84 0.86 0.67

LTS:0P2E vs AFL, MET, PRU: Cyclically Adjusted PS Ratio Comparison

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


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

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

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


LTS:0P2E
50GF Score
CIG Pannonia Life Insurance OJSC LTS:0P2E
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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CIG Pannonia Life Insurance OJSC 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.

CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=133.33721/198.28
=0.67

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

For example, CIG Pannonia Life Insurance OJSC'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)
=75.073/174.6900*174.6900
=75.073

Current CPI (Mar. 2026) = 174.6900.

CIG Pannonia Life Insurance OJSC Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 76.281 100.814 132.179
201609 74.558 100.370 129.765
201612 129.159 101.406 222.499
201703 140.417 102.147 240.140
201706 61.302 102.724 104.249
201709 111.501 102.902 189.289
201712 92.706 103.627 156.280
201803 59.883 104.219 100.375
201806 84.716 105.922 139.717
201809 63.799 106.588 104.562
201812 -14.187 106.440 -23.284
201903 74.922 108.068 121.110
201906 49.625 109.475 79.187
201909 78.356 109.623 124.865
201912 112.417 110.659 177.466
202003 -33.254 112.287 -51.735
202006 89.034 112.583 138.150
202009 77.339 113.398 119.142
202012 123.301 113.694 189.452
202103 112.397 116.358 168.743
202106 49.407 118.579 72.786
202109 67.757 119.541 99.016
202112 110.054 122.058 157.510
202203 -1.006 126.351 -1.391
202206 59.455 132.420 78.433
202209 74.872 143.597 91.084
202212 -21.372 152.036 -24.557
202303 21.085 158.105 23.297
202306 82.445 158.993 90.584
202309 117.792 161.140 127.697
202312 68.257 160.400 74.338
202403 149.998 163.879 159.894
202406 88.724 164.841 94.025
202409 110.384 165.877 116.249
202412 179.045 167.802 186.395
202503 75.295 171.577 76.661
202506 36.305 172.391 36.789
202509 127.754 173.060 128.957
202512 101.443 173.280 102.268
202603 75.073 174.690 75.073

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 0.67 mean?
CIG Pannonia Life Insurance OJSC (LTS:0P2E) has a Cyclically Adjusted PS Ratio of 0.67 as of Jul. 28, 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 CIG Pannonia Life Insurance OJSC and its competitors. This is 16% below median its historical median of 0.80. Over the past decade, CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PS Ratio has ranged from 0.27 to 1.04. According to the industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #114 out of 414 companies in the Insurance industry, placing it in the top 27.5%.
Is CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PS Ratio too high?
CIG Pannonia Life Insurance OJSC's current Cyclically Adjusted PS Ratio of 0.67 is 16% below median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 1.04. The Insurance industry median Cyclically Adjusted PS Ratio is 1.23. CIG Pannonia Life Insurance OJSC's value of 0.67 is 45.5% below this industry median. Based on the distribution chart, CIG Pannonia Life Insurance OJSC ranks #114 out of 414 companies in the Insurance industry, which is above the industry midpoint. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's Cyclically Adjusted PS Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #114 out of 414 companies for Cyclically Adjusted PS Ratio. This puts CIG Pannonia Life Insurance OJSC in the upper half of its industry. The industry median Cyclically Adjusted PS Ratio is 1.23. CIG Pannonia Life Insurance OJSC's value of 0.67 is 45.5% below this benchmark. Historically, CIG Pannonia Life Insurance OJSC's own Cyclically Adjusted PS Ratio has ranged from 0.27 to 1.04 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 1.23, CIG Pannonia Life Insurance OJSC 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 1.23, based on 414 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. CIG Pannonia Life Insurance OJSC's current Cyclically Adjusted PS Ratio of 0.67 is 45.5% 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 CIG Pannonia Life Insurance OJSC and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIG Pannonia Life Insurance OJSC's current Cyclically Adjusted PS Ratio is 0.67, which is 16% below median its own 10-year median of 0.80. 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 PS Ratio of 0.67. The stock's GF Value™ is Ft144.84, compared to a current price of Ft133.34 — trading 7.9% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.67, which is 16% below median its 10-year median of 0.80 and 45.5% below the Insurance industry median of 1.23. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 50/100 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For CIG Pannonia Life Insurance OJSC (LTS:0P2E), the current Cyclically Adjusted PS Ratio is 0.67 as of Jul. 28, 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 7.9% below its estimated GF Value™ of Ft144.84.

Key valuation signals for LTS:0P2E:

  • Cyclically Adjusted PS Ratio: 0.67 (16% below median its 10-year median of 0.80)
  • GF Value™: Ft144.84 vs. price of Ft133.34 (7.9% below fair value)
  • GF Score™: 50/100 with 4 warning signs
  • Industry Position: 45.5% below the Insurance median (#114 of 414)

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.
50GF Score

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

Ft133.34
Price
Ft144.84
GF Value