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Zurich Chile SegurosGenerales SA stock PB Ratio (=1.47) is close to 10-year high of 1.47.
The historical rank and industry rank for Zurich Chile SegurosGenerales's PB Ratio or its related term are showing as below:
XSGO:CONSOGRAL'
s PB Ratio Range Over the Past 10 Years
Min: 0.55 Med: 1.19 Max: 1.47
Current: 1.47
During the past 13 years, Zurich Chile SegurosGenerales's highest PB Ratio was 1.47. The lowest was 0.55. And the median was 1.19.
XSGO:CONSOGRAL's PB Ratio is ranked worse than 53.21% of 498
companies
in the Insurance industry
Industry Median: 1.4
vs XSGO:CONSOGRAL: 1.47
During the past 12 months, Zurich Chile SegurosGenerales's average Book Value Per Share Growth Rate was -9.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -0.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Zurich Chile SegurosGenerales was 10.30% per year. The lowest was -8.80% per year. And the median was -0.70% per year.
Back to Basics: PB Ratio
Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) 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.
Zurich Chile SegurosGenerales PB Ratio Related Terms
Zurich Chile SegurosGenerales 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.
XSGO:CONSOGRAL vs CB, PGR, TRV: PB Ratio Comparison
For the Insurance - Property & Casualty subindustry, Zurich Chile SegurosGenerales'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.
Zurich Chile SegurosGenerales PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Zurich Chile SegurosGenerales's PB Ratio distribution charts can be found below:
* The bar in red indicates where Zurich Chile SegurosGenerales's PB Ratio falls into.
Zurich Chile SegurosGenerales 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.
Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) has a PB Ratio of 1.47 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Zurich Chile SegurosGenerales and its competitors. This is 24% above median its historical median of 1.19. Over the past decade, Zurich Chile SegurosGenerales' PB Ratio has ranged from 0.55 to 1.47. According to the industry distribution chart, Zurich Chile SegurosGenerales ranks #265 out of 498 companies in the Insurance industry, placing it in the top 53.2%.
Is Zurich Chile SegurosGenerales' PB Ratio too high?
Zurich Chile SegurosGenerales' current PB Ratio of 1.47 is 24% above median its 10-year median of 1.19. Over the past 10 years, this metric has ranged from a low of 0.55 to a high of 1.47. The Insurance industry median PB Ratio is 1.40. Zurich Chile SegurosGenerales' value of 1.47 is 5% above this industry median. Based on the distribution chart, Zurich Chile SegurosGenerales ranks #265 out of 498 companies in the Insurance industry, which is below the industry midpoint. Overall, Zurich Chile SegurosGenerales has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zurich Chile SegurosGenerales' PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Zurich Chile SegurosGenerales ranks #265 out of 498 companies for PB Ratio. This places Zurich Chile SegurosGenerales in the lower half of its industry. The industry median PB Ratio is 1.40. Zurich Chile SegurosGenerales' value of 1.47 is 5% above this benchmark. Historically, Zurich Chile SegurosGenerales' own PB Ratio has ranged from 0.55 to 1.47 over the past decade. While the company's 10-year median is 1.19 vs. the industry median of 1.40, Zurich Chile SegurosGenerales 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 1.40, based on 498 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. Zurich Chile SegurosGenerales's current PB Ratio of 1.47 is 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 Zurich Chile SegurosGenerales and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zurich Chile SegurosGenerales's current PB Ratio is 1.47, which is 24% above median its own 10-year median of 1.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zurich Chile SegurosGenerales stock overvalued right now?
Based on GuruFocus' analysis, Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) is currently considered Fairly Valued. The stock's GF Value™ is CLP436.48, compared to a current price of CLP430.00 — trading 1.5% below its estimated fair value. The current PB Ratio is 1.47, which is 24% above median its 10-year median of 1.19 and 5% above the Insurance industry median of 1.40. Zurich Chile SegurosGenerales' overall GF Score™ is 57/100 with 7 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 Zurich Chile SegurosGenerales (XSGO:CONSOGRAL), the current PB Ratio is 1.47 as of Jul. 15, 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 Zurich Chile SegurosGenerales (XSGO:CONSOGRAL) Overvalued in 2026?
Based on GuruFocus' analysis, Zurich Chile SegurosGenerales stock appears to be undervalued.
The current stock price of CLP430.00 is trading 1.5% below its estimated GF Value™ of CLP436.48.
GuruFocus considers Zurich Chile SegurosGenerales to be Fairly Valued.
Key valuation signals for XSGO:CONSOGRAL:
PB Ratio: 1.47 (24% above median its 10-year median of 1.19)
GF Value™: CLP436.48 vs. price of CLP430.00 (1.5% below fair value)
Industry Position: 5% above the Insurance median (#265 of 498)
No single metric tells the full story. See the XSGO:CONSOGRAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zurich Chile SegurosGenerales Business Description
Zurich Chile SegurosGenerales SA is engaged in the business of insurance and reinsurance operations. The company provides auto insurance, life and health insurance, life insurance with savings, insurance for business and SME's, and savings and investments.
57GF Score
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