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During the past 12 months, Drina osiguranje a.d's average Book Value per Share Growth Rate was 2.80% per year.
During the past 3 years, the average Book Value per Share Growth Rate was -1.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -2.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 0.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Drina osiguranje a.d was 7.80% per year. The lowest was -7.10% per year. And the median was 0.55% per year.
Drina osiguranje a.d (XBLB:DROS-R-A) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Drina osiguranje a.d 3-Year Book Growth Rate Related Terms
Drina osiguranje a.d 3-Year Book Growth Rate Competitor Comparison
For the Insurance - Diversified subindustry, Drina osiguranje a.d's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
Drina osiguranje a.d 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Drina osiguranje a.d's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Drina osiguranje a.d's 3-Year Book Growth Rate falls into.
Drina osiguranje a.d 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of -1.80% mean?
Drina osiguranje a.d (XBLB:DROS-R-A) has a 3-Year Book Growth Rate of -1.80% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Drina osiguranje a.d and its competitors.
Is Drina osiguranje a.d's 3-Year Book Growth Rate too high?
Drina osiguranje a.d's current 3-Year Book Growth Rate is -1.80%. Overall, Drina osiguranje a.d has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Drina osiguranje a.d's 3-Year Book Growth Rate compare to competitors?
Drina osiguranje a.d's 3-Year Book Growth Rate of -1.80% can be compared against companies in the Insurance industry. The industry median 3-Year Book Growth Rate is 8.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.50, based on 482 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Drina osiguranje a.d and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Drina osiguranje a.d's current 3-Year Book Growth Rate is -1.80%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Drina osiguranje a.d stock overvalued right now?
Drina osiguranje a.d (XBLB:DROS-R-A) has a current 3-Year Book Growth Rate of -1.80%. The stock's GF Value™ is BAM1,495.11, compared to a current price of BAM1,382.40 — trading 7.5% below its estimated fair value. The current 3-Year Book Growth Rate is -1.80%. Drina osiguranje a.d's overall GF Score™ is 10/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current 3-Year Book Growth Rate is -1.80% 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 Drina osiguranje a.d (XBLB:DROS-R-A) Overvalued in 2026?
Based on GuruFocus' analysis, Drina osiguranje a.d stock appears to be undervalued.
The current stock price of BAM1,382.40 is trading 7.5% below its estimated GF Value™ of BAM1,495.11.
Key valuation signals for XBLB:DROS-R-A:
3-Year Book Growth Rate: -1.80%
GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
No single metric tells the full story. See the XBLB:DROS-R-A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Drina osiguranje a.d operates in the insurance industry. The insurance products offered by the company are vehicle insurance which includes car insurance, full and partly auto insurance, property insurance which includes fire insurance, housing and household protection insurance, freak insurance and insurance against burglary, and face protection.
10GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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