Linea Directa AseguradoraXMAD:LDA +2.57%69 PB Ratio is 3.22 as of Jun. 29, 2026, which is 10% below its 10-year median of 3.57. GuruFocus rates XMAD:LDA with a GF Score™ of 69/100 and a GF Value™ of €1.33 (Modestly Undervalued). Among 502 Insurance companies, Linea Directa Aseguradora ranks worse than 84.86% on this metric.
Linea Directa Aseguradora SA stock PB Ratio (=3.22) is close to 3-year low of 2.92.
The historical rank and industry rank for Linea Directa Aseguradora's PB Ratio or its related term are showing as below:
XMAD:LDA'
s PB Ratio Range Over the Past 10 Years
Min: 2.58 Med: 3.57 Max: 4.62
Current: 3.22
During the past 6 years, Linea Directa Aseguradora's highest PB Ratio was 4.62. The lowest was 2.58. And the median was 3.57.
XMAD:LDA's PB Ratio is ranked worse than 84.86% of 502
companies
in the Insurance industry
Industry Median: 1.385
vs XMAD:LDA: 3.22
During the past 12 months, Linea Directa Aseguradora's average Book Value Per Share Growth Rate was 13.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.30% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Linea Directa Aseguradora was 11.70% per year. The lowest was -12.40% per year. And the median was -1.90% per year.
Back to Basics: PB Ratio
Linea Directa Aseguradora (XMAD:LDA) 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.
Linea Directa Aseguradora PB Ratio Related Terms
Linea Directa Aseguradora 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, Linea Directa Aseguradora'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.
Linea Directa Aseguradora PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Linea Directa Aseguradora's PB Ratio distribution charts can be found below:
* The bar in red indicates where Linea Directa Aseguradora'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.
Linea Directa Aseguradora (XMAD:LDA) has a PB Ratio of 3.22 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Linea Directa Aseguradora and its competitors. This is 10% below median its historical median of 3.57. Over the past decade, Linea Directa Aseguradora's PB Ratio has ranged from 2.58 to 4.62. According to the industry distribution chart, Linea Directa Aseguradora ranks #426 out of 502 companies in the Insurance industry, placing it in the top 84.9%.
Is Linea Directa Aseguradora's PB Ratio too high?
Linea Directa Aseguradora's current PB Ratio of 3.22 is 10% below median its 10-year median of 3.57. Over the past 10 years, this metric has ranged from a low of 2.58 to a high of 4.62. The Insurance industry median PB Ratio is 1.39. Linea Directa Aseguradora's value of 3.22 is 132.5% above this industry median. Based on the distribution chart, Linea Directa Aseguradora ranks #426 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Linea Directa Aseguradora has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Linea Directa Aseguradora's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Linea Directa Aseguradora ranks #426 out of 502 companies for PB Ratio. This places Linea Directa Aseguradora in the lower half of its industry. The industry median PB Ratio is 1.39. Linea Directa Aseguradora's value of 3.22 is 132.5% above this benchmark. Historically, Linea Directa Aseguradora's own PB Ratio has ranged from 2.58 to 4.62 over the past decade. While the company's 10-year median is 3.57 vs. the industry median of 1.39, Linea Directa Aseguradora 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 502 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. Linea Directa Aseguradora's current PB Ratio of 3.22 is 132.5% 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 Linea Directa Aseguradora 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. Linea Directa Aseguradora's current PB Ratio is 3.22, which is 10% below median its own 10-year median of 3.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Linea Directa Aseguradora stock overvalued right now?
Based on GuruFocus' analysis, Linea Directa Aseguradora (XMAD:LDA) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.33, compared to a current price of €1.20 — trading 10.1% below its estimated fair value. The current PB Ratio is 3.22, which is 10% below median its 10-year median of 3.57 and 132.5% above the Insurance industry median of 1.39. Linea Directa Aseguradora's overall GF Score™ is 69/100. 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 Linea Directa Aseguradora (XMAD:LDA), the current PB Ratio is 3.22 as of Jun. 29, 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 Linea Directa Aseguradora (XMAD:LDA) Overvalued in 2026?
Based on GuruFocus' analysis, Linea Directa Aseguradora stock appears to be undervalued.
The current stock price of €1.20 is trading 10.1% below its estimated GF Value™ of €1.33.
GuruFocus considers Linea Directa Aseguradora to be Modestly Undervalued.
Key valuation signals for XMAD:LDA:
PB Ratio: 3.22 (10% below median its 10-year median of 3.57)
GF Value™: €1.33 vs. price of €1.20 (10.1% below fair value)
Industry Position: 132.5% above the Insurance median (#426 of 502)
No single metric tells the full story. See the XMAD:LDA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Linea Directa Aseguradora SA is engaged in insurance and reinsurance activities in the motor, home, and other non-life segments. The company has five operating segments; The motor segment which derives maximum revenue, includes private motor insurance and motorbike insurance, The home segment includes multi-risk home insurance products with theft damage, civil liability, fire damage, aesthetic damage, etc, The health segment includes health insurance products under the Vivaz brand, The other insurance segment includes various products with stand-alone policies that are not linked to motor, home or health insurance, such as travel insurance for holders of credit cards and wellness insurance, and The other activities segment mainly relates to auxiliary insurance businesses, and commissions.
69GF Score
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