Powszechny Zaklad Ubezpieczen (LTS:0MYY) PE Ratio: 0.29 (As of Jul. 06, 2026) — 97% Below Median


LTS:0MYY Powszechny Zaklad Ubezpieczen SA LTS:0MYY
75 GF Score
Price zł42.09
GF Value zł37.59
! 9 Warning Signs
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What is Powszechny Zaklad Ubezpieczen PE Ratio?

Powszechny Zaklad Ubezpieczen LTS:0MYY 75 PE Ratio is 0.29 as of Jul. 06, 2026, which is 97% below its 10-year median of 9.83. GuruFocus rates LTS:0MYY with a GF Score™ of 75/100 and a GF Value™ of zł37.59. The stock has 9 warning signs investors should review.

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-06), Powszechny Zaklad Ubezpieczen's share price is zł42.09. Powszechny Zaklad Ubezpieczen's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was zł143.60. Therefore, Powszechny Zaklad Ubezpieczen's PE Ratio for today is 0.29.

Warning Sign:

Powszechny Zaklad Ubezpieczen SA stock PE Ratio (=0.48) is close to 1-year high of 0.5.

During the past 13 years, Powszechny Zaklad Ubezpieczen's highest PE Ratio was 17.07. The lowest was 0.38. And the median was 9.83.

Powszechny Zaklad Ubezpieczen's EPS (Diluted) for the three months ended in Mar. 2026 was zł1.58. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was zł143.60.

As of today (2026-07-06), Powszechny Zaklad Ubezpieczen's share price is zł42.09. Powszechny Zaklad Ubezpieczen's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was zł143.46. Therefore, Powszechny Zaklad Ubezpieczen's PE Ratio without NRI ratio for today is 0.29.

During the past 13 years, Powszechny Zaklad Ubezpieczen's highest PE Ratio without NRI was 20.94. The lowest was 0.38. And the median was 8.60.

Powszechny Zaklad Ubezpieczen's EPS without NRI for the three months ended in Mar. 2026 was zł1.56. Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was zł143.46.

During the past 12 months, Powszechny Zaklad Ubezpieczen's average EPS without NRI Growth Rate was 2079.00% per year. During the past 3 years, the average EPS without NRI Growth Rate was 19.50% per year. During the past 5 years, the average EPS without NRI Growth Rate was 18.50% per year. During the past 10 years, the average EPS without NRI Growth Rate was 11.60% per year.

During the past 13 years, Powszechny Zaklad Ubezpieczen's highest 3-Year average EPS without NRI Growth Rate was 26.60% per year. The lowest was -20.70% per year. And the median was 3.00% per year.

Powszechny Zaklad Ubezpieczen's EPS (Basic) for the three months ended in Mar. 2026 was zł1.58. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was zł143.60.

Back to Basics: PE Ratio


Powszechny Zaklad Ubezpieczen  (LTS:0MYY) PE Ratio Explanation

The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.

If a company loses money, the PE Ratio becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.

Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio without NRI or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratios are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.

PE Ratio can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio.


Powszechny Zaklad Ubezpieczen PE Ratio Related Terms


Powszechny Zaklad Ubezpieczen PE Ratio Historical Data

* Premium members only.

The historical data trend for Powszechny Zaklad Ubezpieczen's PE Ratio can be seen below:

* 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.

Powszechny Zaklad Ubezpieczen PE Ratio Chart

Powszechny Zaklad Ubezpieczen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.16 8.09 7.07 7.41 8.60

Powszechny Zaklad Ubezpieczen Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.26 0.44 0.38 8.60 0.45

LTS:0MYY vs CB, PGR, TRV: PE Ratio Comparison

For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's PE Ratio distribution charts can be found below:

* The bar in red indicates where Powszechny Zaklad Ubezpieczen's PE Ratio falls into.


LTS:0MYY
75GF Score
Powszechny Zaklad Ubezpieczen SA LTS:0MYY
PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Powszechny Zaklad Ubezpieczen PE Ratio Calculation

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.

Powszechny Zaklad Ubezpieczen's PE Ratio for today is calculated as

PE Ratio=Share Price/Earnings per Share (Diluted) (TTM)
=42.09/143.600
=0.29

Powszechny Zaklad Ubezpieczen's Share Price of today is zł42.09.
Powszechny Zaklad Ubezpieczen's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was zł143.60.


* 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:


There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the calculation of PE Ratio, the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.

Frequently Asked Questions Learn more about PE Ratio →
What does a PE Ratio of 0.29 mean?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a PE Ratio of 0.29 as of Jul. 06, 2026. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. This is 97% below median its historical median of 9.83. Over the past decade, Powszechny Zaklad Ubezpieczen's PE Ratio has ranged from 0.38 to 17.07.
Is Powszechny Zaklad Ubezpieczen's PE Ratio too high?
Powszechny Zaklad Ubezpieczen's current PE Ratio of 0.29 is 97% below median its 10-year median of 9.83. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 17.07. 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 PE Ratio compare to CB and PGR?
Powszechny Zaklad Ubezpieczen's PE Ratio of 0.29 can be compared against companies in the Insurance industry. Historically, Powszechny Zaklad Ubezpieczen's own PE Ratio has ranged from 0.38 to 17.07 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PE Ratio for an Insurance company?
A good PE Ratio depends on the Insurance industry context. However, PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PE Ratio mean?
A high PE Ratio can signal that a stock is expensive relative to its fundamentals. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. Powszechny Zaklad Ubezpieczen's current PE Ratio is 0.29, which is 97% below median its own 10-year median of 9.83. 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 PE Ratio of 0.29. 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 PE Ratio is 0.29, which is 97% below median its 10-year median of 9.83. 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 PE Ratio calculated?
PE Ratio is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current PE Ratio is 0.29 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:

  • PE Ratio: 0.29 (97% below median its 10-year median of 9.83)
  • GF Value™: zł37.59 vs. price of zł42.09 (12% above fair value)
  • GF Score™: 75/100 with 9 warning signs

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

Address Al. Jana Pawla II 24, Warsaw, POL, 00-133
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

Get the complete analysis for LTS:0MYY

PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł42.09
Price
zł37.59
GF Value