Agesa Hayat Ve Emeklilik AS stock PB Ratio (=4.49) is close to 1-year high of 4.96.
The historical rank and industry rank for Agesa Hayat Ve Emeklilik AS's PB Ratio or its related term are showing as below:
IST:AGESA'
s PB Ratio Range Over the Past 10 Years
Min: 2.21 Med: 3.86 Max: 6.92
Current: 4.34
During the past 13 years, Agesa Hayat Ve Emeklilik AS's highest PB Ratio was 6.92. The lowest was 2.21. And the median was 3.86.
IST:AGESA's PB Ratio is ranked worse than 90.18% of 499
companies
in the Insurance industry
Industry Median: 1.39
vs IST:AGESA: 4.34
During the past 12 months, Agesa Hayat Ve Emeklilik AS's average Book Value Per Share Growth Rate was 88.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 80.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 74.80% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 36.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Agesa Hayat Ve Emeklilik AS was 83.50% per year. The lowest was 7.30% per year. And the median was 26.15% per year.
Back to Basics: PB Ratio
Agesa Hayat Ve Emeklilik AS (IST:AGESA) 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.
Agesa Hayat Ve Emeklilik AS PB Ratio Related Terms
Agesa Hayat Ve Emeklilik AS 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, Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's PB Ratio distribution charts can be found below:
* The bar in red indicates where Agesa Hayat Ve Emeklilik AS'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.
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a PB Ratio of 4.34 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 Agesa Hayat Ve Emeklilik AS and its competitors. This is 12% above median its historical median of 3.86. Over the past decade, Agesa Hayat Ve Emeklilik AS's PB Ratio has ranged from 2.21 to 6.92. According to the industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #450 out of 499 companies in the Insurance industry, placing it in the top 90.2%.
Is Agesa Hayat Ve Emeklilik AS's PB Ratio too high?
Agesa Hayat Ve Emeklilik AS's current PB Ratio of 4.34 is 12% above median its 10-year median of 3.86. Over the past 10 years, this metric has ranged from a low of 2.21 to a high of 6.92. The Insurance industry median PB Ratio is 1.39. Agesa Hayat Ve Emeklilik AS's value of 4.34 is 212.2% above this industry median. Based on the distribution chart, Agesa Hayat Ve Emeklilik AS ranks #450 out of 499 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #450 out of 499 companies for PB Ratio. This places Agesa Hayat Ve Emeklilik AS in the lower half of its industry. The industry median PB Ratio is 1.39. Agesa Hayat Ve Emeklilik AS's value of 4.34 is 212.2% above this benchmark. Historically, Agesa Hayat Ve Emeklilik AS's own PB Ratio has ranged from 2.21 to 6.92 over the past decade. While the company's 10-year median is 3.86 vs. the industry median of 1.39, Agesa Hayat Ve Emeklilik AS 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 1.39, based on 499 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. Agesa Hayat Ve Emeklilik AS's current PB Ratio of 4.34 is 212.2% 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 Agesa Hayat Ve Emeklilik AS and its competitors. For the Insurance industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agesa Hayat Ve Emeklilik AS's current PB Ratio is 4.34, which is 12% above median its own 10-year median of 3.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺313.75, compared to a current price of ₺250.00 — trading 20.3% below its estimated fair value. The current PB Ratio is 4.34, which is 12% above median its 10-year median of 3.86 and 212.2% above the Insurance industry median of 1.39. Agesa Hayat Ve Emeklilik AS'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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current PB Ratio is 4.34 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺250.00 is trading 20.3% below its estimated GF Value™ of ₺313.75.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.
Key valuation signals for IST:AGESA:
PB Ratio: 4.34 (12% above median its 10-year median of 3.86)
GF Value™: ₺313.75 vs. price of ₺250.00 (20.3% below fair value)
Industry Position: 212.2% above the Insurance median (#450 of 499)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
57GF Score
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