Powszechny Zaklad UbezpieczenLTS:0MYY 76 Return-on-Tangible-Equity is 18.43% as of Mar. 2026, which is 23% below its 10-year median of 23.95. GuruFocus rates LTS:0MYY with a GF Score™ of 76/100 and a GF Value™ of zł38.08. The stock has 8 warning signs investors should review. Among 498 Insurance companies, Powszechny Zaklad Ubezpieczen ranks better than 72.49% 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. Powszechny Zaklad Ubezpieczen's annualized net income for the quarter that ended in Mar. 2026 was zł5,448 Mil. Powszechny Zaklad Ubezpieczen's average shareholder tangible equity for the quarter that ended in Mar. 2026 was zł29,559 Mil. Therefore, Powszechny Zaklad Ubezpieczen's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.43%.
The historical rank and industry rank for Powszechny Zaklad Ubezpieczen's Return-on-Tangible-Equity or its related term are showing as below:
LTS:0MYY'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 17.56 Med: 23.95 Max: 42.28
Current: 22.55
During the past 13 years, Powszechny Zaklad Ubezpieczen's highest Return-on-Tangible-Equity was 42.28%. The lowest was 17.56%. And the median was 23.95%.
LTS:0MYY's Return-on-Tangible-Equity is ranked better than 72.49% of 498
companies
in the Insurance industry
Industry Median: 13.53
vs LTS:0MYY: 22.55
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.
Powszechny Zaklad Ubezpieczen Return-on-Tangible-Equity Related Terms
Powszechny Zaklad Ubezpieczen 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.
LTS:0MYY vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen'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.
Powszechny Zaklad Ubezpieczen Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen'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 18.43% mean?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Return-on-Tangible-Equity of 18.43% 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 Powszechny Zaklad Ubezpieczen and its competitors. This is 23% below median its historical median of 23.95. Over the past decade, Powszechny Zaklad Ubezpieczen's Return-on-Tangible-Equity has ranged from 17.56 to 42.28. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #137 out of 498 companies in the Insurance industry, placing it in the top 27.5%.
Is Powszechny Zaklad Ubezpieczen's Return-on-Tangible-Equity too high?
Powszechny Zaklad Ubezpieczen's current Return-on-Tangible-Equity of 18.43% is 23% below median its 10-year median of 23.95. Over the past 10 years, this metric has ranged from a low of 17.56 to a high of 42.28. The Insurance industry median Return-on-Tangible-Equity is 13.53. Powszechny Zaklad Ubezpieczen's value of 18.43% is 36.2% above this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #137 out of 498 companies in the Insurance industry, which is above the industry midpoint. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #137 out of 498 companies for Return-on-Tangible-Equity. This puts Powszechny Zaklad Ubezpieczen in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.53. Powszechny Zaklad Ubezpieczen's value of 18.43% is 36.2% above this benchmark. Historically, Powszechny Zaklad Ubezpieczen's own Return-on-Tangible-Equity has ranged from 17.56 to 42.28 over the past decade. While the company's 10-year median is 23.95 vs. the industry median of 13.53, Powszechny Zaklad Ubezpieczen 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 13.53, based on 498 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. Powszechny Zaklad Ubezpieczen's current Return-on-Tangible-Equity of 18.43% is 36.2% 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 Powszechny Zaklad Ubezpieczen and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current Return-on-Tangible-Equity is 18.43%, which is 23% below median its own 10-year median of 23.95. 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 Return-on-Tangible-Equity of 18.43%. The stock's GF Value™ is zł38.08, compared to a current price of zł42.09 — trading 10.5% above its estimated fair value. The current Return-on-Tangible-Equity is 18.43%, which is 23% below median its 10-year median of 23.95 and 36.2% above the Insurance industry median of 13.53. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 76/100 with 8 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 Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Return-on-Tangible-Equity is 18.43% 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 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 10.5% above its estimated GF Value™ of zł38.08.
Key valuation signals for LTS:0MYY:
Return-on-Tangible-Equity: 18.43% (23% below median its 10-year median of 23.95)
GF Value™: zł38.08 vs. price of zł42.09 (10.5% above fair value)
Industry Position: 36.2% above the Insurance median (#137 of 498)
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
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.
76GF Score
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