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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CIG Pannonia Life Insurance OJSC's Debt-to-Equity or its related term are showing as below:
FRA:0CKA'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.03 Max: 1.07
Current: 0.02
During the past 13 years, the highest Debt-to-Equity Ratio of CIG Pannonia Life Insurance OJSC was 1.07. The lowest was 0.01. And the median was 0.03.
FRA:0CKA's Debt-to-Equity is ranked better than 88.4% of 405
companies
in the Insurance industry
Industry Median: 0.2
vs FRA:0CKA: 0.02
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CIG Pannonia Life Insurance OJSC Debt-to-Equity Related Terms
CIG Pannonia Life Insurance OJSC Debt-to-Equity Historical Data
* 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 Debt-to-Equity Chart
FRA:0CKA vs AFL, MET, PRU: Debt-to-Equity Comparison
For the Insurance - Life subindustry, CIG Pannonia Life Insurance OJSC's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, CIG Pannonia Life Insurance OJSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CIG Pannonia Life Insurance OJSC's Debt-to-Equity falls into.
* 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 (FRA:0CKA) has a Debt-to-Equity of 0.02 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. This is 33% below median its historical median of 0.03. Over the past decade, CIG Pannonia Life Insurance OJSC's Debt-to-Equity has ranged from 0.01 to 1.07. According to the industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #47 out of 405 companies in the Insurance industry, placing it in the top 11.6%.
Is CIG Pannonia Life Insurance OJSC's Debt-to-Equity too high?
CIG Pannonia Life Insurance OJSC's current Debt-to-Equity of 0.02 is 33% below median its 10-year median of 0.03. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 1.07. The Insurance industry median Debt-to-Equity is 0.20. CIG Pannonia Life Insurance OJSC's value of 0.02 is 90% below this industry median. Based on the distribution chart, CIG Pannonia Life Insurance OJSC ranks #47 out of 405 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 46/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #47 out of 405 companies for Debt-to-Equity. This places CIG Pannonia Life Insurance OJSC in the top 12% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.20. CIG Pannonia Life Insurance OJSC's value of 0.02 is 90% below this benchmark. Historically, CIG Pannonia Life Insurance OJSC's own Debt-to-Equity has ranged from 0.01 to 1.07 over the past decade. While the company's 10-year median is 0.03 vs. the industry median of 0.20, 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 Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 405 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIG Pannonia Life Insurance OJSC's current Debt-to-Equity of 0.02 is 90% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIG Pannonia Life Insurance OJSC's current Debt-to-Equity is 0.02, which is 33% below median its own 10-year median of 0.03. 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?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC (FRA:0CKA) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.95, compared to a current price of €0.78 — trading 17.5% below its estimated fair value. The current Debt-to-Equity is 0.02, which is 33% below median its 10-year median of 0.03 and 90% below the Insurance industry median of 0.20. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 46/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CIG Pannonia Life Insurance OJSC (FRA:0CKA), the current Debt-to-Equity is 0.02 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 (FRA:0CKA) Overvalued in 2026?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC stock appears to be undervalued.
The current stock price of €0.78 is trading 17.5% below its estimated GF Value™ of €0.95.
GuruFocus considers CIG Pannonia Life Insurance OJSC to be Modestly Undervalued.
Key valuation signals for FRA:0CKA:
Debt-to-Equity: 0.02 (33% below median its 10-year median of 0.03)
GF Value™: €0.95 vs. price of €0.78 (17.5% below fair value)
Industry Position: 90% below the Insurance median (#47 of 405)
No single metric tells the full story. See the FRA:0CKA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
46GF Score
Get the complete analysis for FRA:0CKA
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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