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    Life/Health insurance
CIG General Insurance Ltd.

CIG General Insurance Ltd.

BBUD:CIGPANNONIA
300.00
HUF
+7.00
(+2.39%)
35.18EPS
8.83P/E
29.36BMarket Cap
CIG General Insurance Ltd.
BUD:CIGPANNONIA
(Budapest Stock Exchange)

Recent

price

300.00

P/E

ratio

8.83

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
HUF
557.85
407.3
409.24
341.97
398.69
271.97
327.51
422.71
196.57
315.26
261.76
370.62
55.92
176.33
439.34
267.63
403.91
Revenue per Share
-136.52
-64.05
-43.04
-6.86
-2.71
14.95
11.66
40.81
21.1
-6.76
7.1
17.82
16.34
30.59
6.75
42.13
35.22
Basic EPS, GAAP
-130.03
-98.45
25.51
-0.84
6.6
14.53
12.21
51.64
62.91
22.61
-4.17
44.87
16.22
49.66
24.53
-25.93
-23.53
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
10.88
- -
- -
- -
18.11
17.99
32.99
- -
- -
Dividend per Share
131.13
66.12
32.96
39.1
36.54
51.28
63.97
123.91
178.92
144.6
147.21
216.03
199.45
246.4
224.79
271.94
287.26
Book Value per Share
120.94
54.37
16.35
21.62
21.55
37.55
50.44
111.08
170.36
137.72
141.17
208.37
188.9
236.46
214.24
249.19
260.68
Tangible Book Value per Share
47
63
63
63
63
62
62
64
85
94
94
94
94
94
94
94
94
Basic Weighted Avg Shares
26,259
25,775
25,898
21,641
24,939
16,885
20,334
27,033
16,716
29,623
24,620
34,830
5,254
16,567
41,278
25,145
37,994
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
187
210
262
312
320
295
280
930
329
403
371
384
410
489
485
531
635
Depreciation Expense
-6,426
-4,053
-2,724
-434
-170
928
724
2,610
1,794
-635
668
1,675
1,535
2,874
634
3,958
3,313
Net Income, GAAP
- -
- -
- -
- -
- -
2.03
17
3.12
10.29
- -
27.29
5.86
15.21
20.98
- -
4.3
7.3
Effective Tax Rate (%)
-24.47
-15.72
-10.52
-2.01
-0.68
5.5
3.56
9.66
10.73
-2.14
2.71
4.81
29.21
17.35
1.54
15.74
8.72
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4,038
5,848
5,522
5,039
4,586
4,175
3,730
1,186
968
588
210
532
475
314
470
563
543
LT Debt
8,151
4,185
2,085
2,474
2,268
3,184
3,972
8,656
16,772
13,601
13,894
20,297
18,740
23,150
21,120
25,550
27,117
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
16.47
12.66
32.13
13.01
- -
4.82
9.55
7.67
13.47
- -
16.59
12.5
Return on Capital (%)
-115.31
-65.72
-86.88
-19.04
-7.15
34.04
20.24
41.34
14.12
-4.18
4.86
9.8
7.86
13.72
2.86
16.96
12.78
Return on Common Equity (%)

Capital Structure

HUF

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
563
607
543
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
94
94
94
Market Capitalization
34,669
27,341
29,358

Working Capital

HUF

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
41,462
2,454
2,922
Accounts Receivable, Net
71
- -
- -
Inventories
4
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

HUF

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
29.39%
14.83%
20.98%
Free Cash Flow
-108.7%
-257.98%
-205.68%
Net Income, GAAP
54.28%
135.21%
524.29%
Sales/Revenue/Turnover
35.75%
56.39%
-39.08%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

HUF

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14,164
8,336
10,371
16,822
41,278
2025
7,110
3,928
12,003
9,531
25,145
2026
7,089
9,371
- -
- -
- -

Quarterly Earnings Per Share

HUF

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5.02
16.77
10.87
-25.92
6.75
2025
8.57
17.63
13.05
6.29
42.13
2026
4.98
10.89
- -
- -
- -

Quarterly Dividends Per Share

HUF

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
32.99
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
CIG Pannonia Life Insurance Plc (CIG Pannónia Életbiztosító Nyrt.) is a Hungary-based insurance and financial services provider that offers a comprehensive suite of life, health, and non-life insurance solutions to retail, corporate, and institutional clients. The company operates through two primary segments: Life Insurance and Non-Life Insurance. Its core life insurance portfolio includes unit-linked life insurance policies with diversified capital and fund investment options; traditional term and whole-life insurance; tax-advantaged pension and retirement savings insurance; critical illness, private medical expense, and supplemental health insurance; individual and group accident and disability coverage for employers; and credit-linked life insurance distributed across bancassurance networks. Through its wholly owned subsidiary, CIG Pannónia Első Magyar Általános Biztosító Zrt. (EMABIT), the company offers general insurance products, including commercial property and business interruption insurance; general, professional, and management liability coverage; technical, construction, and industrial machinery breakdown insurance; corporate fleet motor hull (casco) and third-party liability insurance; cargo, freight, and transport forwarder liability policies; agricultural and crop insurance; international cross-border surety and financial guarantee bonds; and integrated multi-risk insurance packages for small and medium-sized enterprises (SMEs). Founded in 2007 and headquartered in Budapest, Hungary, CIG Pannonia primarily conducts operations within the domestic Hungarian market while extending select surety and specialized non-life underwriting services across European Union markets under EU freedom of services provisions. In recent strategic developments, the company solidified a long-term bancassurance partnership with MBH Bank (the banking group formed by the merger of MKB Bank, Takarékbank, and Budapest Bank), substantially expanding its nationwide retail and institutional distribution footprint. In addition, CIG Pannonia expanded strategic distribution integration with its principal shareholder, Hungarikum Biztosítási Alkusz Kft., revitalized and expanded EMABIT non-life cross-border guarantee and surety business lines, deployed digital transformation programs featuring automated underwriting and digital claims management platforms, and launched new ESG-aligned sustainable unit-linked investment funds alongside upgraded corporate risk and supplemental health insurance products.