Powszechny Zaklad Ubezpieczen SA stock PB Ratio (=1.6) is close to 3-year high of 1.77.
The historical rank and industry rank for Powszechny Zaklad Ubezpieczen's PB Ratio or its related term are showing as below:
LTS:0MYY'
s PB Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1.49 Max: 2.1
Current: 1.6
During the past 13 years, Powszechny Zaklad Ubezpieczen's highest PB Ratio was 2.10. The lowest was 0.69. And the median was 1.49.
LTS:0MYY's PB Ratio is ranked worse than 56.91% of 499
companies
in the Insurance industry
Industry Median: 1.41
vs LTS:0MYY: 1.60
During the past 12 months, Powszechny Zaklad Ubezpieczen's average Book Value Per Share Growth Rate was 8.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Powszechny Zaklad Ubezpieczen was 26.30% per year. The lowest was -13.90% per year. And the median was 7.60% per year.
Back to Basics: PB Ratio
Powszechny Zaklad Ubezpieczen (LTS:0MYY) 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.
Powszechny Zaklad Ubezpieczen PB Ratio Related Terms
Powszechny Zaklad Ubezpieczen 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 - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen'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.
Powszechny Zaklad Ubezpieczen PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's PB Ratio distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen's PB Ratio falls into.
Powszechny Zaklad Ubezpieczen 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.
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a PB Ratio of 0.99 as of Jul. 06, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. This is 34% below median its historical median of 1.49. Over the past decade, Powszechny Zaklad Ubezpieczen's PB Ratio has ranged from 0.69 to 2.10. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #284 out of 499 companies in the Insurance industry, placing it in the top 56.9%.
Is Powszechny Zaklad Ubezpieczen's PB Ratio too high?
Powszechny Zaklad Ubezpieczen's current PB Ratio of 0.99 is 34% below median its 10-year median of 1.49. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 2.10. The Insurance industry median PB Ratio is 1.41. Powszechny Zaklad Ubezpieczen's value of 0.99 is 29.8% below this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #284 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #284 out of 499 companies for PB Ratio. This places Powszechny Zaklad Ubezpieczen in the lower half of its industry. The industry median PB Ratio is 1.41. Powszechny Zaklad Ubezpieczen's value of 0.99 is 29.8% below this benchmark. Historically, Powszechny Zaklad Ubezpieczen's own PB Ratio has ranged from 0.69 to 2.10 over the past decade. While the company's 10-year median is 1.49 vs. the industry median of 1.41, Powszechny Zaklad Ubezpieczen 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 1.41, 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. Powszechny Zaklad Ubezpieczen's current PB Ratio of 0.99 is 29.8% 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 Powszechny Zaklad Ubezpieczen and its competitors. For the Insurance industry, the median PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current PB Ratio is 0.99, which is 34% below median its own 10-year median of 1.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Powszechny Zaklad Ubezpieczen stock overvalued right now?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a current PB Ratio of 0.99. The stock's GF Value™ is zł37.59, compared to a current price of zł42.09 — trading 12% above its estimated fair value. The current PB Ratio is 0.99, which is 34% below median its 10-year median of 1.49 and 29.8% below the Insurance industry median of 1.41. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 75/100 with 9 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current PB Ratio is 0.99 as of Jul. 06, 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY) Overvalued in 2026?
Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued.
The current stock price of zł42.09 is trading 12% above its estimated GF Value™ of zł37.59.
Key valuation signals for LTS:0MYY:
PB Ratio: 0.99 (34% below median its 10-year median of 1.49)
GF Value™: zł37.59 vs. price of zł42.09 (12% above fair value)
Industry Position: 29.8% below the Insurance median (#284 of 499)
No single metric tells the full story. See the LTS:0MYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Powszechny Zaklad Ubezpieczen Business Description
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
75GF Score
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