NN Group NVCHIX:NNA 55 PB Ratio is 0.96 as of Jun. 27, 2026, which is 96% above its 10-year median of 0.49. GuruFocus rates CHIX:NNA with a GF Score™ of 55/100 and a GF Value™ of €51.41 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 497 Insurance companies, NN Group NV ranks better than 70.22% on this metric.
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. As of today (2026-06-27), NN Group NV's share price is €76.96. NN Group NV's Book Value per Share for the quarter that ended in Dec. 2025 was €80.33. Hence, NN Group NV's PB Ratio of today is 0.96.
Warning Sign:
NN Group NV stock PB Ratio (=0.93) is close to 10-year high of 0.94.
The historical rank and industry rank for NN Group NV's PB Ratio or its related term are showing as below:
CHIX:NNa'
s PB Ratio Range Over the Past 10 Years
Min: 0.22 Med: 0.49 Max: 0.99
Current: 0.99
During the past 13 years, NN Group NV's highest PB Ratio was 0.99. The lowest was 0.22. And the median was 0.49.
CHIX:NNa's PB Ratio is ranked better than 70.22% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs CHIX:NNa: 0.99
During the past 12 months, NN Group NV's average Book Value Per Share Growth Rate was -0.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.40% 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 1.30% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of NN Group NV was 22.10% per year. The lowest was -14.80% per year. And the median was 2.10% 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.
NN Group NV PB Ratio Related Terms
NN Group NV PB Ratio Historical Data
* Premium members only.
The historical data trend for NN Group NV'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 - Diversified subindustry, NN Group NV'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.
NN Group NV PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, NN Group NV's PB Ratio distribution charts can be found below:
* The bar in red indicates where NN Group NV'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.
NN Group NV's PB Ratio for today is calculated as follows:
* 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.
NN Group NV (CHIX:NNA) has a PB Ratio of 0.96 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on NN Group NV and its competitors. This is 96% above median its historical median of 0.49. Over the past decade, NN Group NV's PB Ratio has ranged from 0.22 to 0.99. According to the industry distribution chart, NN Group NV ranks #148 out of 497 companies in the Insurance industry, placing it in the top 29.8%.
Is NN Group NV's PB Ratio too high?
NN Group NV's current PB Ratio of 0.96 is 96% above median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.99. The Insurance industry median PB Ratio is 1.38. NN Group NV's value of 0.96 is 30.4% below this industry median. Based on the distribution chart, NN Group NV ranks #148 out of 497 companies in the Insurance industry, which is above the industry midpoint. Overall, NN Group NV has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NN Group NV's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NN Group NV ranks #148 out of 497 companies for PB Ratio. This puts NN Group NV in the upper half of its industry. The industry median PB Ratio is 1.38. NN Group NV's value of 0.96 is 30.4% below this benchmark. Historically, NN Group NV's own PB Ratio has ranged from 0.22 to 0.99 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 1.38, NN Group NV has consistently been below 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 1.38, 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. NN Group NV's current PB Ratio of 0.96 is 30.4% below 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 NN Group NV and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NN Group NV's current PB Ratio is 0.96, which is 96% above median its own 10-year median of 0.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NN Group NV stock overvalued right now?
Based on GuruFocus' analysis, NN Group NV (CHIX:NNA) is currently considered Significantly Overvalued. The stock's GF Value™ is €51.41, compared to a current price of €76.96 — trading 49.7% above its estimated fair value. The current PB Ratio is 0.96, which is 96% above median its 10-year median of 0.49 and 30.4% below the Insurance industry median of 1.38. NN Group NV's overall GF Score™ is 55/100 with 11 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 NN Group NV (CHIX:NNA), the current PB Ratio is 0.96 as of Jun. 27, 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 NN Group NV (CHIX:NNA) Overvalued in 2026?
Based on GuruFocus' analysis, NN Group NV stock appears to be overvalued.
The current stock price of €76.96 is trading 49.7% above its estimated GF Value™ of €51.41.
GuruFocus considers NN Group NV to be Significantly Overvalued.
Key valuation signals for CHIX:NNA:
PB Ratio: 0.96 (96% above median its 10-year median of 0.49)
GF Value™: €51.41 vs. price of €76.96 (49.7% above fair value)
Industry Position: 30.4% below the Insurance median (#148 of 497)
No single metric tells the full story. See the CHIX:NNA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NN Group is a European insurance company that primarily sells long-term savings in the Netherlands. The business is made up of four divisions: Netherlands life, Netherlands nonlife, insurance Europe, and Japan life. The Netherlands life business is the biggest division and tends to generate around three-quarters of operating income. That business sells traditional spread-based long-term savings and more modern defined-contribution savings. Since 2022, assets that are managed to support the traditional savings products and in-house part of defined-contribution products are managed by Goldman Sachs Asset Management. Since around 2013, NN has closed its domestic individual life insurance products to new business.
55GF Score
Get the complete analysis for CHIX:NNA
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:NNA has been successfully added to your 
