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In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
The industry rank for Powszechny Zaklad Ubezpieczen's Net-Net Working Capital or its related term are showing as below:
LTS:0MYY's Price-to-Net-Net-Working-Capital is not ranked *
in the Insurance industry.
Industry Median: 8.28 * Ranked among companies with meaningful Price-to-Net-Net-Working-Capital only.
Powszechny Zaklad Ubezpieczen (LTS:0MYY) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
Powszechny Zaklad Ubezpieczen Net-Net Working Capital Related Terms
Powszechny Zaklad Ubezpieczen Net-Net Working Capital 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.
Powszechny Zaklad Ubezpieczen Net-Net Working Capital Chart
LTS:0MYY vs CB, PGR, TRV: Net-Net Working Capital Comparison
For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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 Price-to-Net-Net-Working-Capital vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Price-to-Net-Net-Working-Capital 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of zł-496.43 mean?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Net-Net Working Capital of zł-496.43 as of Mar. 2026. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Powszechny Zaklad Ubezpieczen According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #999999 out of 61 companies in the Insurance industry.
Is Powszechny Zaklad Ubezpieczen's Net-Net Working Capital too high?
Powszechny Zaklad Ubezpieczen's current Net-Net Working Capital is zł-496.43. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #999999 out of 61 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Net-Net Working Capital compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #999999 out of 61 companies for Net-Net Working Capital. This places Powszechny Zaklad Ubezpieczen in the lower half of its industry. The industry median Net-Net Working Capital is 8.28. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for an Insurance company?
The median Net-Net Working Capital among Insurance companies is 8.28, based on 61 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital 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 Net-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on Powszechny Zaklad Ubezpieczen For the Insurance industry, the median Net-Net Working Capital is 8.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current Net-Net Working Capital is zł-496.43. 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-Net Working Capital of zł-496.43. The stock's GF Value™ is zł35.63, compared to a current price of zł42.09 — trading 18.1% above its estimated fair value. The current Net-Net Working Capital is zł-496.43. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 76/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Net-Net Working Capital is zł-496.43 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 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 18.1% above its estimated GF Value™ of zł35.63.
Key valuation signals for LTS:0MYY:
Net-Net Working Capital: zł-496.43
GF Value™: zł35.63 vs. price of zł42.09 (18.1% above fair value)
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.
76GF Score
Get the complete analysis for LTS:0MYY
Net-Net Working Capital is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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