Atlantic Insurance Co PublicCYS:ATL 83 ROE % is 25.09% as of Dec. 2025, which is 52% above its 10-year median of 16.50. GuruFocus rates CYS:ATL with a GF Score™ of 83/100 and a GF Value™ of €2.96 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 505 Insurance companies, Atlantic Insurance Co Public ranks better than 88.71% on this metric.
The historical rank and industry rank for Atlantic Insurance Co Public's ROE % or its related term are showing as below:
CYS:ATL'
s ROE % Range Over the Past 10 Years
Min: 4.83 Med: 16.5 Max: 27.35
Current: 26.99
During the past 13 years, Atlantic Insurance Co Public's highest ROE % was 27.35%. The lowest was 4.83%. And the median was 16.50%.
CYS:ATL's ROE % is ranked better than 88.71% of 505
companies
in the Insurance industry
Industry Median: 11.77
vs CYS:ATL: 26.99
Atlantic Insurance Co Public (CYS:ATL) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Atlantic Insurance Co Public ROE % Related Terms
Atlantic Insurance Co Public ROE % 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.
For the Insurance - Property & Casualty subindustry, Atlantic Insurance Co Public's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Atlantic Insurance Co Public's ROE % distribution charts can be found below:
* The bar in red indicates where Atlantic Insurance Co Public's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Atlantic Insurance Co Public (CYS:ATL) has a ROE % of 25.09% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Atlantic Insurance Co Public and its competitors. This is 52% above median its historical median of 16.50. Over the past decade, Atlantic Insurance Co Public's ROE % has ranged from 4.83 to 27.35. According to the industry distribution chart, Atlantic Insurance Co Public ranks #57 out of 505 companies in the Insurance industry, placing it in the top 11.3%.
Is Atlantic Insurance Co Public's ROE % too high?
Atlantic Insurance Co Public's current ROE % of 25.09% is 52% above median its 10-year median of 16.50. Over the past 10 years, this metric has ranged from a low of 4.83 to a high of 27.35. The Insurance industry median ROE % is 11.77. Atlantic Insurance Co Public's value of 25.09% is 113.2% above this industry median. Based on the distribution chart, Atlantic Insurance Co Public ranks #57 out of 505 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 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Atlantic Insurance Co Public's ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Atlantic Insurance Co Public ranks #57 out of 505 companies for ROE %. This places Atlantic Insurance Co Public in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 11.77. Atlantic Insurance Co Public's value of 25.09% is 113.2% above this benchmark. Historically, Atlantic Insurance Co Public's own ROE % has ranged from 4.83 to 27.35 over the past decade. While the company's 10-year median is 16.50 vs. the industry median of 11.77, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.77, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Atlantic Insurance Co Public's current ROE % of 25.09% is 113.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Atlantic Insurance Co Public and its competitors. For the Insurance industry, the median ROE % is 11.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Atlantic Insurance Co Public's current ROE % is 25.09%, which is 52% above median its own 10-year median of 16.50. 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 €2.96, compared to a current price of €2.34 — trading 20.9% below its estimated fair value. The current ROE % is 25.09%, which is 52% above median its 10-year median of 16.50 and 113.2% above the Insurance industry median of 11.77. Atlantic Insurance Co Public's overall GF Score™ is 83/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Atlantic Insurance Co Public (CYS:ATL), the current ROE % is 25.09% 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 20.9% below its estimated GF Value™ of €2.96.
GuruFocus considers Atlantic Insurance Co Public to be Modestly Undervalued.
Key valuation signals for CYS:ATL:
ROE %: 25.09% (52% above median its 10-year median of 16.50)
GF Value™: €2.96 vs. price of €2.34 (20.9% below fair value)
Industry Position: 113.2% above the Insurance median (#57 of 505)
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.
83GF Score
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