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CIG Pannonia Life Insurance OJSCFRA:0CKA 49 Return-on-Tangible-Equity is 7.96% as of Mar. 2026, which is 35% below its 10-year median of 12.28. GuruFocus rates FRA:0CKA with a GF Score™ of 49/100 and a GF Value™ of €0.94 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 499 Insurance companies, CIG Pannonia Life Insurance OJSC ranks better than 58.12% on this metric.
The historical rank and industry rank for CIG Pannonia Life Insurance OJSC's Return-on-Tangible-Equity or its related term are showing as below:
FRA:0CKA'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -4.39 Med: 12.28 Max: 47.93
Current: 15.64
During the past 13 years, CIG Pannonia Life Insurance OJSC's highest Return-on-Tangible-Equity was 47.93%. The lowest was -4.39%. And the median was 12.28%.
FRA:0CKA's Return-on-Tangible-Equity is ranked better than 58.12% of 499
companies
in the Insurance industry
Industry Median: 13.32
vs FRA:0CKA: 15.64
CIG Pannonia Life Insurance OJSC (FRA:0CKA) 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.
CIG Pannonia Life Insurance OJSC Return-on-Tangible-Equity Related Terms
CIG Pannonia Life Insurance OJSC 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.
CIG Pannonia Life Insurance OJSC Return-on-Tangible-Equity Chart
FRA:0CKA vs AFL, MET, PRU: Return-on-Tangible-Equity Comparison
For the Insurance - Life subindustry, CIG Pannonia Life Insurance OJSC'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.
CIG Pannonia Life Insurance OJSC Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, CIG Pannonia Life Insurance OJSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where CIG Pannonia Life Insurance OJSC'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 four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.96% mean?
CIG Pannonia Life Insurance OJSC (FRA:0CKA) has a Return-on-Tangible-Equity of 7.96% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. This is 35% below median its historical median of 12.28. According to the industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #209 out of 499 companies in the Insurance industry, placing it in the top 41.9%.
Is CIG Pannonia Life Insurance OJSC's Return-on-Tangible-Equity too high?
CIG Pannonia Life Insurance OJSC's current Return-on-Tangible-Equity of 7.96% is 35% below median its 10-year median of 12.28. The Insurance industry median Return-on-Tangible-Equity is 13.32. CIG Pannonia Life Insurance OJSC's value of 7.96% is 40.2% below this industry median. Based on the distribution chart, CIG Pannonia Life Insurance OJSC ranks #209 out of 499 companies in the Insurance industry, which is above the industry midpoint. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's Return-on-Tangible-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #209 out of 499 companies for Return-on-Tangible-Equity. This puts CIG Pannonia Life Insurance OJSC in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.32. CIG Pannonia Life Insurance OJSC's value of 7.96% is 40.2% below this benchmark. While the company's 10-year median is 12.28 vs. the industry median of 13.32, CIG Pannonia Life Insurance OJSC has consistently been below 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. CIG Pannonia Life Insurance OJSC's current Return-on-Tangible-Equity of 7.96% is 40.2% below 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 CIG Pannonia Life Insurance OJSC 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. CIG Pannonia Life Insurance OJSC's current Return-on-Tangible-Equity is 7.96%, which is 35% below median its own 10-year median of 12.28. 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 €0.94, compared to a current price of €0.84 — trading 10.6% below its estimated fair value. The current Return-on-Tangible-Equity is 7.96%, which is 35% below median its 10-year median of 12.28 and 40.2% below the Insurance industry median of 13.32. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 49/100 with 4 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 CIG Pannonia Life Insurance OJSC (FRA:0CKA), the current Return-on-Tangible-Equity is 7.96% as of Mar. 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 €0.84 is trading 10.6% below its estimated GF Value™ of €0.94.
GuruFocus considers CIG Pannonia Life Insurance OJSC to be Modestly Undervalued.
Key valuation signals for FRA:0CKA:
Return-on-Tangible-Equity: 7.96% (35% below median its 10-year median of 12.28)
GF Value™: €0.94 vs. price of €0.84 (10.6% below fair value)
Industry Position: 40.2% below the Insurance median (#209 of 499)
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 Business Description
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.
49GF Score
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