Atlantic Insurance Co PublicCYS:ATL 69 Return-on-Tangible-Equity is 25.15% as of Dec. 2025, which is 52% above its 10-year median of 16.55. GuruFocus rates CYS:ATL with a GF Score™ of 69/100 and a GF Value™ of €2.97 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 499 Insurance companies, Atlantic Insurance Co Public ranks better than 80.16% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Atlantic Insurance Co Public's annualized net income for the quarter that ended in Dec. 2025 was €19.80 Mil. Atlantic Insurance Co Public's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €78.75 Mil. Therefore, Atlantic Insurance Co Public's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 25.15%.
The historical rank and industry rank for Atlantic Insurance Co Public's Return-on-Tangible-Equity or its related term are showing as below:
CYS:ATL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.84 Med: 16.55 Max: 27.42
Current: 27.06
During the past 13 years, Atlantic Insurance Co Public's highest Return-on-Tangible-Equity was 27.42%. The lowest was 4.84%. And the median was 16.55%.
CYS:ATL's Return-on-Tangible-Equity is ranked better than 80.16% of 499
companies
in the Insurance industry
Industry Median: 13.32
vs CYS:ATL: 27.06
Atlantic Insurance Co Public (CYS:ATL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Atlantic Insurance Co Public Return-on-Tangible-Equity Related Terms
Atlantic Insurance Co Public Return-on-Tangible-Equity 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.
Atlantic Insurance Co Public Return-on-Tangible-Equity Chart
CYS:ATL vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Atlantic Insurance Co Public's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Atlantic Insurance Co Public Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic Insurance Co Public's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Atlantic Insurance Co Public's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 25.15% mean?
Atlantic Insurance Co Public (CYS:ATL) has a Return-on-Tangible-Equity of 25.15% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Atlantic Insurance Co Public and its competitors. This is 52% above median its historical median of 16.55. Over the past decade, Atlantic Insurance Co Public's Return-on-Tangible-Equity has ranged from 4.84 to 27.42. According to the industry distribution chart, Atlantic Insurance Co Public ranks #99 out of 499 companies in the Insurance industry, placing it in the top 19.8%.
Is Atlantic Insurance Co Public's Return-on-Tangible-Equity too high?
Atlantic Insurance Co Public's current Return-on-Tangible-Equity of 25.15% is 52% above median its 10-year median of 16.55. Over the past 10 years, this metric has ranged from a low of 4.84 to a high of 27.42. The Insurance industry median Return-on-Tangible-Equity is 13.32. Atlantic Insurance Co Public's value of 25.15% is 88.8% above this industry median. Based on the distribution chart, Atlantic Insurance Co Public ranks #99 out of 499 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Atlantic Insurance Co Public has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic Insurance Co Public's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Atlantic Insurance Co Public ranks #99 out of 499 companies for Return-on-Tangible-Equity. This places Atlantic Insurance Co Public in the top 20% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.32. Atlantic Insurance Co Public's value of 25.15% is 88.8% above this benchmark. Historically, Atlantic Insurance Co Public's own Return-on-Tangible-Equity has ranged from 4.84 to 27.42 over the past decade. While the company's 10-year median is 16.55 vs. the industry median of 13.32, Atlantic Insurance Co Public 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic Insurance Co Public's current Return-on-Tangible-Equity of 25.15% is 88.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Atlantic Insurance Co Public and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic Insurance Co Public's current Return-on-Tangible-Equity is 25.15%, which is 52% above median its own 10-year median of 16.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Atlantic Insurance Co Public stock overvalued right now?
Based on GuruFocus' analysis, Atlantic Insurance Co Public (CYS:ATL) is currently considered Modestly Undervalued. The stock's GF Value™ is €2.97, compared to a current price of €2.34 — trading 21.2% below its estimated fair value. The current Return-on-Tangible-Equity is 25.15%, which is 52% above median its 10-year median of 16.55 and 88.8% above the Insurance industry median of 13.32. Atlantic Insurance Co Public's overall GF Score™ is 69/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Atlantic Insurance Co Public (CYS:ATL), the current Return-on-Tangible-Equity is 25.15% as of Dec. 2025. 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 Atlantic Insurance Co Public (CYS:ATL) Overvalued in 2026?
Based on GuruFocus' analysis, Atlantic Insurance Co Public stock appears to be undervalued.
The current stock price of €2.34 is trading 21.2% below its estimated GF Value™ of €2.97.
GuruFocus considers Atlantic Insurance Co Public to be Modestly Undervalued.
Key valuation signals for CYS:ATL:
Return-on-Tangible-Equity: 25.15% (52% above median its 10-year median of 16.55)
GF Value™: €2.97 vs. price of €2.34 (21.2% below fair value)
Industry Position: 88.8% above the Insurance median (#99 of 499)
No single metric tells the full story. See the CYS:ATL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Atlantic Insurance Co Public Ltd is an insurance company based in Cyprus. The company's operating segment includes general Insurance and Financial Services. It generates maximum revenue in the form of Premiums from the Insurance segment. The company offers undertaking of insurance business of the classes such as Motor, Household, Fire and Special Perils, Burglary, Medical, Personal Accident, Health Insurance, Travel, and Marine Cargo and other Property Damage, General Liability, Credit and Guarantees and miscellaneous, general business, the possession of land with the intention of its division into plots and their disposal and the provision of financial consultancy and brokerage services.
69GF Score
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