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XTAE:CLIS's PB Ratio is ranked worse than 63.38% of 497
companies
in the Insurance industry
Industry Median: 1.36
vs XTAE:CLIS: 1.71
During the past 12 months, Clal Insurance Enterprises Holdings's average Book Value Per Share Growth Rate was 19.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Clal Insurance Enterprises Holdings was 10.00% per year. The lowest was -0.30% per year. And the median was 4.40% 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.
Clal Insurance Enterprises Holdings PB Ratio Related Terms
Clal Insurance Enterprises Holdings PB Ratio 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.
Clal Insurance Enterprises Holdings PB Ratio Chart
For the Insurance - Life subindustry, Clal Insurance Enterprises Holdings'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.
Clal Insurance Enterprises Holdings PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Clal Insurance Enterprises Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Clal Insurance Enterprises Holdings's PB Ratio falls into.
Clal Insurance Enterprises Holdings PB Ratio Calculation
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.
Clal Insurance Enterprises Holdings (XTAE:CLIS) has a PB Ratio of 1.71 as of Aug. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Clal Insurance Enterprises Holdings and its competitors. This is 171% above median its historical median of 0.63. Over the past decade, Clal Insurance Enterprises Holdings' PB Ratio has ranged from 0.23 to 2.14. According to the industry distribution chart, Clal Insurance Enterprises Holdings ranks #315 out of 497 companies in the Insurance industry, placing it in the top 63.4%.
Is Clal Insurance Enterprises Holdings' PB Ratio too high?
Clal Insurance Enterprises Holdings' current PB Ratio of 1.71 is 171% above median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 2.14. The Insurance industry median PB Ratio is 1.36. Clal Insurance Enterprises Holdings' value of 1.71 is 25.7% above this industry median. Based on the distribution chart, Clal Insurance Enterprises Holdings ranks #315 out of 497 companies in the Insurance industry, which is below the industry midpoint. Overall, Clal Insurance Enterprises Holdings has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Clal Insurance Enterprises Holdings' PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Clal Insurance Enterprises Holdings ranks #315 out of 497 companies for PB Ratio. This places Clal Insurance Enterprises Holdings in the lower half of its industry. The industry median PB Ratio is 1.36. Clal Insurance Enterprises Holdings' value of 1.71 is 25.7% above this benchmark. Historically, Clal Insurance Enterprises Holdings' own PB Ratio has ranged from 0.23 to 2.14 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 1.36, Clal Insurance Enterprises Holdings 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 1.36, based on 497 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. Clal Insurance Enterprises Holdings's current PB Ratio of 1.71 is 25.7% 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 Clal Insurance Enterprises Holdings and its competitors. For the Insurance industry, the median PB Ratio is 1.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Clal Insurance Enterprises Holdings's current PB Ratio is 1.71, which is 171% above median its own 10-year median of 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Clal Insurance Enterprises Holdings stock overvalued right now?
Based on GuruFocus' analysis, Clal Insurance Enterprises Holdings (XTAE:CLIS) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪121.78, compared to a current price of ₪242.70 — trading 99.3% above its estimated fair value. The current PB Ratio is 1.71, which is 171% above median its 10-year median of 0.63 and 25.7% above the Insurance industry median of 1.36. Clal Insurance Enterprises Holdings' overall GF Score™ is 72/100 with 2 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 Clal Insurance Enterprises Holdings (XTAE:CLIS), the current PB Ratio is 1.71 as of Aug. 22, 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 Clal Insurance Enterprises Holdings (XTAE:CLIS) Overvalued in 2026?
Based on GuruFocus' analysis, Clal Insurance Enterprises Holdings stock appears to be overvalued.
The current stock price of ₪242.70 is trading 99.3% above its estimated GF Value™ of ₪121.78.
GuruFocus considers Clal Insurance Enterprises Holdings to be Significantly Overvalued.
Key valuation signals for XTAE:CLIS:
PB Ratio: 1.71 (171% above median its 10-year median of 0.63)
GF Value™: ₪121.78 vs. price of ₪242.70 (99.3% above fair value)
Industry Position: 25.7% above the Insurance median (#315 of 497)
No single metric tells the full story. See the XTAE:CLIS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Clal Insurance Enterprises Holdings Ltd is an insurance company, part of IDB Group, a conglomerate from Israel. Its lines of business are Nonlife insurance, Health insurance, Pensions, and provident funds for private and corporate clients. Clal insurance divisions are nonlife insurance, long-term savings, and health. The nonlife insurance division offers automotive, property, personal accidents, guarantees, liability, and marine insurance, among others. The life insurance and long-term savings division manages long-term assets, such as life insurance, pensions, and funds. The health insurance division consists of health insurance products, such as local and overseas surgeries, transplants, medications, critical illness, long-term care, and accidents. The company's main market is Israel.
72GF Score
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