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Pozavarovalnicava DDLTS:0MSR 57 PB Ratio is 1.92 as of Aug. 14, 2026, which is 137% above its 10-year median of 0.81. GuruFocus rates LTS:0MSR with a GF Score™ of 57/100 and a GF Value™ of €19.43 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 498 Insurance companies, Pozavarovalnicava DD ranks worse than 63.25% on this metric.
Pozavarovalnica Sava DD stock PB Ratio (=1.86) is close to 10-year high of 1.95.
The historical rank and industry rank for Pozavarovalnicava DD's PB Ratio or its related term are showing as below:
LTS:0MSR'
s PB Ratio Range Over the Past 10 Years
Min: 0.57 Med: 0.81 Max: 1.95
Current: 1.86
During the past 13 years, Pozavarovalnicava DD's highest PB Ratio was 1.95. The lowest was 0.57. And the median was 0.81.
LTS:0MSR's PB Ratio is ranked worse than 63.25% of 498
companies
in the Insurance industry
Industry Median: 1.4
vs LTS:0MSR: 1.86
During the past 12 months, Pozavarovalnicava DD's average Book Value Per Share Growth Rate was 14.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Pozavarovalnicava DD was 17.70% per year. The lowest was -4.20% per year. And the median was 8.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Pozavarovalnicava DD PB Ratio Related Terms
Pozavarovalnicava DD PB Ratio Historical Data
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The historical data trend for Pozavarovalnicava DD's PB 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.
For the Insurance - Property & Casualty subindustry, Pozavarovalnicava DD's PB Ratio, along with its competitors' market caps and PB 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.
Pozavarovalnicava DD PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Pozavarovalnicava DD's PB Ratio distribution charts can be found below:
* The bar in red indicates where Pozavarovalnicava DD's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Pozavarovalnicava DD (LTS:0MSR) has a PB Ratio of 1.92 as of Aug. 14, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pozavarovalnicava DD and its competitors. This is 137% above median its historical median of 0.81. Over the past decade, Pozavarovalnicava DD's PB Ratio has ranged from 0.57 to 1.95. According to the industry distribution chart, Pozavarovalnicava DD ranks #315 out of 498 companies in the Insurance industry, placing it in the top 63.3%.
Is Pozavarovalnicava DD's PB Ratio too high?
Pozavarovalnicava DD's current PB Ratio of 1.92 is 137% above median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.57 to a high of 1.95. The Insurance industry median PB Ratio is 1.40. Pozavarovalnicava DD's value of 1.92 is 37.1% above this industry median. Based on the distribution chart, Pozavarovalnicava DD ranks #315 out of 498 companies in the Insurance industry, which is below the industry midpoint. Overall, Pozavarovalnicava DD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pozavarovalnicava DD's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Pozavarovalnicava DD ranks #315 out of 498 companies for PB Ratio. This places Pozavarovalnicava DD in the lower half of its industry. The industry median PB Ratio is 1.40. Pozavarovalnicava DD's value of 1.92 is 37.1% above this benchmark. Historically, Pozavarovalnicava DD's own PB Ratio has ranged from 0.57 to 1.95 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 1.40, Pozavarovalnicava DD 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 498 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pozavarovalnicava DD's current PB Ratio of 1.92 is 37.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pozavarovalnicava DD and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pozavarovalnicava DD's current PB Ratio is 1.92, which is 137% above median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pozavarovalnicava DD stock overvalued right now?
Based on GuruFocus' analysis, Pozavarovalnicava DD (LTS:0MSR) is currently considered Significantly Overvalued. The stock's GF Value™ is €19.43, compared to a current price of €95.24 — trading 390.2% above its estimated fair value. The current PB Ratio is 1.92, which is 137% above median its 10-year median of 0.81 and 37.1% above the Insurance industry median of 1.40. Pozavarovalnicava DD's overall GF Score™ is 57/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pozavarovalnicava DD (LTS:0MSR), the current PB Ratio is 1.92 as of Aug. 14, 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 Pozavarovalnicava DD (LTS:0MSR) Overvalued in 2026?
Based on GuruFocus' analysis, Pozavarovalnicava DD stock appears to be overvalued.
The current stock price of €95.24 is trading 390.2% above its estimated GF Value™ of €19.43.
GuruFocus considers Pozavarovalnicava DD to be Significantly Overvalued.
Key valuation signals for LTS:0MSR:
PB Ratio: 1.92 (137% above median its 10-year median of 0.81)
GF Value™: €19.43 vs. price of €95.24 (390.2% above fair value)
Industry Position: 37.1% above the Insurance median (#315 of 498)
No single metric tells the full story. See the LTS:0MSR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pozavarovalnica Sava DD is a Slovenian-based company engaged in the reinsurance business. It provides reinsurance services such as capacity, capital relief, catastrophe support, and creativity. The group operates through the business segments of the reinsurance (reinsurance business), non-life (non-life insurance business, broken down into EU and non-EU), life (life insurance business, broken down into EU and non-EU), pensions and asset management (pension insurance business in Slovenia and North Macedonia, and fund management), and the "other" segment. Geographically, the company generates key revenue from Non-Life, EU.
57GF Score
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