CIG Pannonia Life Insurance OJSC (LTS:0P2E) ROIC %: 0.00% (As of Mar. 2026)

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LTS:0P2E CIG Pannonia Life Insurance OJSC LTS:0P2E
52 GF Score
Price Ft133.34
GF Value Ft137.92
! 4 Warning Signs
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What is CIG Pannonia Life Insurance OJSC ROIC %?

CIG Pannonia Life Insurance OJSC LTS:0P2E 52 ROIC % is 0.00% as of Mar. 2026. GuruFocus rates LTS:0P2E with a GF Score™ of 52/100 and a GF Value™ of Ft137.92. The stock has 4 warning signs investors should review.

ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. CIG Pannonia Life Insurance OJSC's annualized return on invested capital (ROIC %) for the quarter that ended in Mar. 2026 was 0.00%.

As of today (2026-07-14), CIG Pannonia Life Insurance OJSC's WACC % is 16.82%. CIG Pannonia Life Insurance OJSC's ROIC % is 0.00% (calculated using TTM income statement data). CIG Pannonia Life Insurance OJSC earns returns that do not match up to its cost of capital. It will destroy value as it grows.


CIG Pannonia Life Insurance OJSC  (LTS:0P2E) ROIC % Explanation

ROIC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.

There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.

Why is ROIC % important?

Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.

As of today, CIG Pannonia Life Insurance OJSC's WACC % is 16.82%. CIG Pannonia Life Insurance OJSC's ROIC % is 0.00% (calculated using TTM income statement data). CIG Pannonia Life Insurance OJSC earns returns that do not match up to its cost of capital. It will destroy value as it grows.


Be Aware

Like ROE % and ROA %, ROIC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.


CIG Pannonia Life Insurance OJSC ROIC % Related Terms


CIG Pannonia Life Insurance OJSC ROIC % Historical Data

* Premium members only.

The historical data trend for CIG Pannonia Life Insurance OJSC's ROIC % can be seen below:

* 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 ROIC % Chart

CIG Pannonia Life Insurance OJSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROIC %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

CIG Pannonia Life Insurance OJSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROIC % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

LTS:0P2E vs AFL, MET, PRU: ROIC % Comparison

For the Insurance - Life subindustry, CIG Pannonia Life Insurance OJSC's ROIC %, along with its competitors' market caps and ROIC % 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 ROIC % vs Insurance Industry

For the Insurance industry and Financial Services sector, CIG Pannonia Life Insurance OJSC's ROIC % distribution charts can be found below:

* The bar in red indicates where CIG Pannonia Life Insurance OJSC's ROIC % falls into.


LTS:0P2E
52GF Score
CIG Pannonia Life Insurance OJSC LTS:0P2E
ROIC % is just one metric. See GF Score™, valuation, warning signs, and more.
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CIG Pannonia Life Insurance OJSC ROIC % Calculation

CIG Pannonia Life Insurance OJSC's annualized Return on Invested Capital (ROIC %) for the fiscal year that ended in Dec. 2025 is calculated as:

ROIC % (A: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (A: Dec. 2024 ) + Invested Capital (A: Dec. 2025 ))/ count )
=0 * ( 1 - 4.3% )/( (181733.9 + 188912.25)/ 2 )
=0/185323.075
=0.00 %

where

Invested Capital(A: Dec. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=182922 - 655 - ( 2597 - 5% * 41278 )
=181733.9

Invested Capital(A: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=192936 - 651 - ( 4630 - 5% * 25145 )
=188912.25

CIG Pannonia Life Insurance OJSC's annualized Return on Invested Capital (ROIC %) for the quarter that ended in Mar. 2026 is calculated as:

ROIC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=0 * ( 1 - 6.21% )/( (188131.55 + 191397.45)/ 2 )
=0/189764.5
=0.00 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=192936 - 651 - ( 4630 - 5% * 9531 )
=188131.55

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=193519 - 22 - ( 2454 - 5% * 7089 )
=191397.45

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data. The tax rate is limited to between 0% and 100%.

* 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.

Frequently Asked Questions Learn more about ROIC % →
What does a ROIC % of 0.00% mean?
CIG Pannonia Life Insurance OJSC (LTS:0P2E) has a ROIC % of 0.00% as of Mar. 2026. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on CIG Pannonia Life Insurance OJSC and its competitors.
Is CIG Pannonia Life Insurance OJSC's ROIC % too high?
CIG Pannonia Life Insurance OJSC's current ROIC % is 0.00%. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 52/100, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's ROIC % compare to AFL and MET?
CIG Pannonia Life Insurance OJSC's ROIC % of 0.00% can be compared against companies in the Insurance industry. The industry median ROIC % is 3.36. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROIC % for an Insurance company?
The median ROIC % among Insurance companies is 3.36, based on 372 companies in the industry. Companies in the top quartile (top 25%) have a ROIC % significantly above this median, while those in the bottom quartile fall well below. However, ROIC % 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 ROIC % mean?
A high ROIC % can signal that a stock is expensive relative to its fundamentals. Return on invested capital is the ratio of current-period net income to average two-period invested capital. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. For the Insurance industry, the median ROIC % is 3.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIG Pannonia Life Insurance OJSC's current ROIC % is 0.00%. 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?
CIG Pannonia Life Insurance OJSC (LTS:0P2E) has a current ROIC % of 0.00%. The stock's GF Value™ is Ft137.92, compared to a current price of Ft133.34 — trading 3.3% below its estimated fair value. The current ROIC % is 0.00%. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 52/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROIC % calculated?
ROIC % is calculated from a company's financial statements. For CIG Pannonia Life Insurance OJSC (LTS:0P2E), the current ROIC % is 0.00% 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 (LTS:0P2E) Overvalued in 2026?

Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC stock appears to be undervalued. The current stock price of Ft133.34 is trading 3.3% below its estimated GF Value™ of Ft137.92.

Key valuation signals for LTS:0P2E:

  • ROIC %: 0.00%
  • GF Value™: Ft137.92 vs. price of Ft133.34 (3.3% below fair value)
  • GF Score™: 52/100 with 4 warning signs

No single metric tells the full story. See the LTS:0P2E stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CIG Pannonia Life Insurance OJSC Business Description

Address 11 Konyves Kalman Korut, Building B, Nepliget Center Business Center, Budapest, HUN, 1097
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.
52GF Score

Get the complete analysis for LTS:0P2E

ROIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Ft133.34
Price
Ft137.92
GF Value