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Powszechny Zaklad Ubezpieczen (LTS:0MYY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Powszechny Zaklad Ubezpieczen Net Margin % Related Terms
Powszechny Zaklad Ubezpieczen Net Margin % 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.
For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Net Margin % distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Net Margin % 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.
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Net Margin % of 10.14% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. This is 22% above median its historical median of 8.30. Over the past decade, Powszechny Zaklad Ubezpieczen's Net Margin % has ranged from 4.75 to 10.61. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #245 out of 500 companies in the Insurance industry, placing it in the top 49%.
Is Powszechny Zaklad Ubezpieczen's Net Margin % too high?
Powszechny Zaklad Ubezpieczen's current Net Margin % of 10.14% is 22% above median its 10-year median of 8.30. Over the past 10 years, this metric has ranged from a low of 4.75 to a high of 10.61. The Insurance industry median Net Margin % is 9.24. Powszechny Zaklad Ubezpieczen's value of 10.14% is 9.8% above this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #245 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #245 out of 500 companies for Net Margin %. This puts Powszechny Zaklad Ubezpieczen in the upper half of its industry. The industry median Net Margin % is 9.24. Powszechny Zaklad Ubezpieczen's value of 10.14% is 9.8% above this benchmark. Historically, Powszechny Zaklad Ubezpieczen's own Net Margin % has ranged from 4.75 to 10.61 over the past decade. While the company's 10-year median is 8.30 vs. the industry median of 9.24, Powszechny Zaklad Ubezpieczen has consistently been above 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.24, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Powszechny Zaklad Ubezpieczen's current Net Margin % of 10.14% is 9.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. For the Insurance industry, the median Net Margin % is 9.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current Net Margin % is 10.14%, which is 22% above median its own 10-year median of 8.30. 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 Net Margin % of 10.14%. The stock's GF Value™ is zł35.81, compared to a current price of zł42.09 — trading 17.5% above its estimated fair value. The current Net Margin % is 10.14%, which is 22% above median its 10-year median of 8.30 and 9.8% above the Insurance industry median of 9.24. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 85/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Net Margin % is 10.14% as of Jun. 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 17.5% above its estimated GF Value™ of zł35.81.
Key valuation signals for LTS:0MYY:
Net Margin %: 10.14% (22% above median its 10-year median of 8.30)
GF Value™: zł35.81 vs. price of zł42.09 (17.5% above fair value)
Industry Position: 9.8% above the Insurance median (#245 of 500)
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 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.
85GF Score
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