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Linea Directa AseguradoraCHIX:LDAE 67 Graham Number is €0.76 as of Dec. 2025, which is 100% below its 10-year median of 1.61. GuruFocus rates CHIX:LDAE with a GF Score™ of 67/100 and a GF Value™ of €1.28. Among 426 Insurance companies, Linea Directa Aseguradora ranks worse than 80.75% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
The historical rank and industry rank for Linea Directa Aseguradora's Graham Number or its related term are showing as below:
CHIX:LDAe'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1.23 Med: 1.61 Max: 1.75
Current: 1.63
During the past 6 years, the highest Price to Graham Number ratio of Linea Directa Aseguradora was 1.75. The lowest was 1.23. And the median was 1.61.
CHIX:LDAe's Price-to-Graham-Number is ranked worse than 80.75% of 426
companies
in the Insurance industry
Industry Median: 0.95
vs CHIX:LDAe: 1.63
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Linea Directa Aseguradora (CHIX:LDAe) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Linea Directa Aseguradora's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
1.193
/
0.76
=
1.57
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Linea Directa Aseguradora Graham Number Related Terms
Linea Directa Aseguradora Graham Number 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.
CHIX:LDAE vs CB, PGR, TRV: Graham Number Comparison
For the Insurance - Property & Casualty subindustry, Linea Directa Aseguradora's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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.
Linea Directa Aseguradora Price-to-Graham-Number vs Insurance Industry
For the Insurance industry and Financial Services sector, Linea Directa Aseguradora's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Linea Directa Aseguradora's Price-to-Graham-Number 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.
Linea Directa Aseguradora (CHIX:LDAE) has a Graham Number of €0.76 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Linea Directa Aseguradora and its competitors. This is 53% below median its historical median of 1.61. Over the past decade, Linea Directa Aseguradora's Graham Number has ranged from 1.23 to 1.75. According to the industry distribution chart, Linea Directa Aseguradora ranks #344 out of 426 companies in the Insurance industry, placing it in the top 80.8%.
Is Linea Directa Aseguradora's Graham Number too high?
Linea Directa Aseguradora's current Graham Number of €0.76 is 53% below median its 10-year median of 1.61. Over the past 10 years, this metric has ranged from a low of 1.23 to a high of 1.75. Based on the distribution chart, Linea Directa Aseguradora ranks #344 out of 426 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Linea Directa Aseguradora has a GF Score™ of 67/100, reflecting its overall financial health beyond just this single metric.
How does Linea Directa Aseguradora's Graham Number compare to CB and PGR?
According to the Insurance industry distribution chart, Linea Directa Aseguradora ranks #344 out of 426 companies for Graham Number. This places Linea Directa Aseguradora in the lower half of its industry. The industry median Graham Number is 0.95. Historically, Linea Directa Aseguradora's own Graham Number has ranged from 1.23 to 1.75 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for an Insurance company?
The median Graham Number among Insurance companies is 0.95, based on 426 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Linea Directa Aseguradora and its competitors. For the Insurance industry, the median Graham Number is 0.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Linea Directa Aseguradora's current Graham Number is €0.76, which is 53% below median its own 10-year median of 1.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Linea Directa Aseguradora stock overvalued right now?
Linea Directa Aseguradora (CHIX:LDAE) has a current Graham Number of €0.76. The stock's GF Value™ is €1.28, compared to a current price of €1.19 — trading 6.8% below its estimated fair value. The current Graham Number is €0.76, which is 53% below median its 10-year median of 1.61. Linea Directa Aseguradora's overall GF Score™ is 67/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Linea Directa Aseguradora (CHIX:LDAE), the current Graham Number is €0.76 as of Dec. 2025. 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 Linea Directa Aseguradora (CHIX:LDAE) Overvalued in 2026?
Based on GuruFocus' analysis, Linea Directa Aseguradora stock appears to be undervalued.
The current stock price of €1.19 is trading 6.8% below its estimated GF Value™ of €1.28.
Key valuation signals for CHIX:LDAE:
Graham Number: €0.76 (53% below median its 10-year median of 1.61)
GF Value™: €1.28 vs. price of €1.19 (6.8% below fair value)
No single metric tells the full story. See the CHIX:LDAE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Linea Directa Aseguradora SA is engaged in insurance and reinsurance activities in the motor, home, and other non-life segments. The company has five operating segments; The motor segment which derives maximum revenue, includes private motor insurance and motorbike insurance, The home segment includes multi-risk home insurance products with theft damage, civil liability, fire damage, aesthetic damage, etc, The health segment includes health insurance products under the Vivaz brand, The other insurance segment includes various products with stand-alone policies that are not linked to motor, home or health insurance, such as travel insurance for holders of credit cards and wellness insurance, and The other activities segment mainly relates to auxiliary insurance businesses, and commissions.
67GF Score
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