Helvetia Baloise Holding AGHLVTY 74 PB Ratio is 1.72 as of Jun. 25, 2026, which is 40% above its 10-year median of 1.23. GuruFocus rates HLVTY with a GF Score™ of 74/100 and a GF Value™ of $5.47 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 497 Insurance companies, Helvetia Baloise Holding AG ranks worse than 57.75% on this metric.
Helvetia Baloise Holding AG stock PB Ratio (=1.58) is close to 3-year low of 1.43.
The historical rank and industry rank for Helvetia Baloise Holding AG's PB Ratio or its related term are showing as below:
HLVTY'
s PB Ratio Range Over the Past 10 Years
Min: 0.61 Med: 1.23 Max: 3.1
Current: 1.58
During the past 13 years, Helvetia Baloise Holding AG's highest PB Ratio was 3.10. The lowest was 0.61. And the median was 1.23.
HLVTY's PB Ratio is ranked worse than 57.75% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs HLVTY: 1.58
During the past 12 months, Helvetia Baloise Holding AG's average Book Value Per Share Growth Rate was 89.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 26.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 2.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -2.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Helvetia Baloise Holding AG was 26.20% per year. The lowest was -17.80% per year. And the median was 3.30% per year.
Back to Basics: PB Ratio
Helvetia Baloise Holding AG (OTCPK:HLVTY) PB Ratio Explanation
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.
Helvetia Baloise Holding AG PB Ratio Related Terms
Helvetia Baloise Holding AG 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.
For the Insurance - Diversified subindustry, Helvetia Baloise Holding AG'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.
Helvetia Baloise Holding AG PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Helvetia Baloise Holding AG's PB Ratio distribution charts can be found below:
* The bar in red indicates where Helvetia Baloise Holding AG'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.
Helvetia Baloise Holding AG (HLVTY) has a PB Ratio of 1.72 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Helvetia Baloise Holding AG and its competitors. This is 40% above median its historical median of 1.23. Over the past decade, Helvetia Baloise Holding AG's PB Ratio has ranged from 0.61 to 3.10. According to the industry distribution chart, Helvetia Baloise Holding AG ranks #287 out of 497 companies in the Insurance industry, placing it in the top 57.7%.
Is Helvetia Baloise Holding AG's PB Ratio too high?
Helvetia Baloise Holding AG's current PB Ratio of 1.72 is 40% above median its 10-year median of 1.23. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 3.10. The Insurance industry median PB Ratio is 1.38. Helvetia Baloise Holding AG's value of 1.72 is 24.6% above this industry median. Based on the distribution chart, Helvetia Baloise Holding AG ranks #287 out of 497 companies in the Insurance industry, which is below the industry midpoint. Overall, Helvetia Baloise Holding AG has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Helvetia Baloise Holding AG's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Helvetia Baloise Holding AG ranks #287 out of 497 companies for PB Ratio. This places Helvetia Baloise Holding AG in the lower half of its industry. The industry median PB Ratio is 1.38. Helvetia Baloise Holding AG's value of 1.72 is 24.6% above this benchmark. Historically, Helvetia Baloise Holding AG's own PB Ratio has ranged from 0.61 to 3.10 over the past decade. While the company's 10-year median is 1.23 vs. the industry median of 1.38, Helvetia Baloise Holding AG 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 1.38, 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. Helvetia Baloise Holding AG's current PB Ratio of 1.72 is 24.6% 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 Helvetia Baloise Holding AG 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. Helvetia Baloise Holding AG's current PB Ratio is 1.72, which is 40% above median its own 10-year median of 1.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Helvetia Baloise Holding AG stock overvalued right now?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG (HLVTY) is currently considered Modestly Overvalued. The stock's GF Value™ is $5.47, compared to a current price of $7.07 — trading 29.3% above its estimated fair value. The current PB Ratio is 1.72, which is 40% above median its 10-year median of 1.23 and 24.6% above the Insurance industry median of 1.38. Helvetia Baloise Holding AG's overall GF Score™ is 74/100 with 5 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 Helvetia Baloise Holding AG (HLVTY), the current PB Ratio is 1.72 as of Jun. 25, 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 Helvetia Baloise Holding AG (HLVTY) Overvalued in 2026?
Based on GuruFocus' analysis, Helvetia Baloise Holding AG stock appears to be overvalued.
The current stock price of $7.07 is trading 29.3% above its estimated GF Value™ of $5.47.
GuruFocus considers Helvetia Baloise Holding AG to be Modestly Overvalued.
Key valuation signals for HLVTY:
PB Ratio: 1.72 (40% above median its 10-year median of 1.23)
GF Value™: $5.47 vs. price of $7.07 (29.3% above fair value)
Industry Position: 24.6% above the Insurance median (#287 of 497)
No single metric tells the full story. See the HLVTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Helvetia Baloise Holding AG is a multi-line insurance company. The company provides pension, specialty insurance and reinsurance services, and other financial solutions. The company represents it's seven reportable segments namely Switzerland, Spain, Germany, Belgium, Luxembourg, Italian and Austrian Markets, Specialty Markets, and Corporate and other. Company generates majority revenue from Switzerland business segment.
74GF Score
Get the complete analysis for HLVTY
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