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CIG Pannonia Life Insurance OJSC has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
CIG Pannonia Life Insurance OJSC did not have earnings to cover the interest expense.
CIG Pannonia Life Insurance OJSC's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.01.
Altman Z-Score does not apply to banks and insurance companies.
CIG Pannonia Life Insurance OJSC (FRA:0CKA) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
CIG Pannonia Life Insurance OJSC has the Financial Strength Rank of 5.
CIG Pannonia Life Insurance OJSC Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
CIG Pannonia Life Insurance OJSC (FRA:0CKA) has a Financial Strength of 5 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. This is near median its historical median of 5.00. Over the past decade, CIG Pannonia Life Insurance OJSC's Financial Strength has ranged from 2.00 to 6.00.
Is CIG Pannonia Life Insurance OJSC's Financial Strength too high?
CIG Pannonia Life Insurance OJSC's current Financial Strength of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 6.00. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 64/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's Financial Strength compare to MET and AFL?
CIG Pannonia Life Insurance OJSC's Financial Strength of 5 can be compared against companies in the Insurance industry. Historically, CIG Pannonia Life Insurance OJSC's own Financial Strength has ranged from 2.00 to 6.00 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 Financial Strength for an Insurance company?
A good Financial Strength depends on the Insurance industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. CIG Pannonia Life Insurance OJSC's current Financial Strength is 5, which is near median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIG Pannonia Life Insurance OJSC stock overvalued right now?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC (FRA:0CKA) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.08, compared to a current price of €0.85 — trading 21.3% below its estimated fair value. The current Financial Strength is 5, which is near median its 10-year median of 5.00. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For CIG Pannonia Life Insurance OJSC (FRA:0CKA), the current Financial Strength is 5 as of Jun. 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 CIG Pannonia Life Insurance OJSC (FRA:0CKA) Overvalued in 2026?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC stock appears to be undervalued.
The current stock price of €0.85 is trading 21.3% below its estimated GF Value™ of €1.08.
GuruFocus considers CIG Pannonia Life Insurance OJSC to be Modestly Undervalued.
Key valuation signals for FRA:0CKA:
Financial Strength: 5 (near median its 10-year median of 5.00)
GF Value™: €1.08 vs. price of €0.85 (21.3% below fair value)
No single metric tells the full story. See the FRA:0CKA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CIG Pannonia Life Insurance OJSC is an insurance company. The company mainly sells various insurance products including unit-linked life insurance, term life insurance, endowment insurance, health insurance, casco, freight liability and suretyship insurance and also offers investment fund management and portfolio management. The company carries its activities in Hungary, Romania, Slovakia, and Italy. In addition, the company sells riders and non-life insurance products.
64GF Score
Get the complete analysis for FRA:0CKA
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