AMS Osiguranje a.d (XBEL:AMSO) Cyclically Adjusted Book per Share: RSD6,458.77 (As of Dec. 2025)


XBEL:AMSO AMS Osiguranje a.d XBEL:AMSO
30 GF Score
Price RSD3,950.00
GF Value RSD6,133.85
! 1 Warning Sign
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What is AMS Osiguranje a.d Cyclically Adjusted Book per Share?

AMS Osiguranje a.d XBEL:AMSO 30 Cyclically Adjusted Book per Share is RSD6,458.77 as of Dec. 2025. GuruFocus rates XBEL:AMSO with a GF Score™ of 30/100 and a GF Value™ of RSD6,133.85. The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

AMS Osiguranje a.d's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was RSD8,660.798. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is RSD6,458.77 for the trailing ten years ended in Dec. 2025.

During the past 12 months, AMS Osiguranje a.d's average Cyclically Adjusted Book Growth Rate was 12.90% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 14.00% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 17.00% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of AMS Osiguranje a.d was 20.10% per year. The lowest was 14.00% per year. And the median was 17.90% per year.

As of today (2026-07-09), AMS Osiguranje a.d's current stock price is RSD 3950.00. AMS Osiguranje a.d's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was RSD6,458.77. AMS Osiguranje a.d's Cyclically Adjusted PB Ratio of today is 0.61.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of AMS Osiguranje a.d was 0.96. The lowest was 0.24. And the median was 0.52.


AMS Osiguranje a.d  (XBEL:AMSO) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

AMS Osiguranje a.d's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=3950.00/6458.77
=0.61

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of AMS Osiguranje a.d was 0.96. The lowest was 0.24. And the median was 0.52.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


AMS Osiguranje a.d Cyclically Adjusted Book per Share Related Terms


AMS Osiguranje a.d Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for AMS Osiguranje a.d's Cyclically Adjusted Book per Share 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.

AMS Osiguranje a.d Cyclically Adjusted Book per Share Chart

AMS Osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3,645.37 4,361.92 5,032.62 5,720.77 6,458.77

AMS Osiguranje a.d Semi-Annual Data
Jun12 Dec12 Jun13 Dec13 Jun14 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Cyclically Adjusted Book per Share 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 5,032.62 0.00 5,720.77 0.00 6,458.77

XBEL:AMSO vs CB, PGR, TRV: Cyclically Adjusted Book per Share Comparison

For the Insurance - Property & Casualty subindustry, AMS Osiguranje a.d's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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.


AMS Osiguranje a.d Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where AMS Osiguranje a.d's Cyclically Adjusted PB Ratio falls into.


XBEL:AMSO
30GF Score
AMS Osiguranje a.d XBEL:AMSO
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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AMS Osiguranje a.d Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, AMS Osiguranje a.d's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=8660.798/324.0540*324.0540
=8,660.798

Current CPI (Dec. 2025) = 324.0540.

AMS Osiguranje a.d Annual Data

Book Value per Share CPI Adj_Book
201612 2,278.046 241.432 3,057.631
201712 2,863.853 246.524 3,764.514
201812 3,163.482 251.233 4,080.431
201912 4,374.653 256.974 5,516.604
202012 5,783.458 260.474 7,195.162
202112 7,040.933 278.802 8,183.738
202212 7,186.195 296.797 7,846.155
202312 7,702.518 306.746 8,137.129
202412 7,933.178 315.605 8,145.556
202512 8,660.798 324.054 8,660.798

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of RSD6,458.77 mean?
AMS Osiguranje a.d (XBEL:AMSO) has a Cyclically Adjusted Book per Share of RSD6,458.77 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on AMS Osiguranje a.d and its competitors.
Is AMS Osiguranje a.d's Cyclically Adjusted Book per Share too high?
AMS Osiguranje a.d's current Cyclically Adjusted Book per Share is RSD6,458.77. Overall, AMS Osiguranje a.d has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does AMS Osiguranje a.d's Cyclically Adjusted Book per Share compare to CB and PGR?
AMS Osiguranje a.d's Cyclically Adjusted Book per Share of RSD6,458.77 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on AMS Osiguranje a.d and its competitors. AMS Osiguranje a.d's current Cyclically Adjusted Book per Share is RSD6,458.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMS Osiguranje a.d stock overvalued right now?
AMS Osiguranje a.d (XBEL:AMSO) has a current Cyclically Adjusted Book per Share of RSD6,458.77. The stock's GF Value™ is RSD6,133.85, compared to a current price of RSD3,950.00 — trading 35.6% below its estimated fair value. The current Cyclically Adjusted Book per Share is RSD6,458.77. AMS Osiguranje a.d's overall GF Score™ is 30/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For AMS Osiguranje a.d (XBEL:AMSO), the current Cyclically Adjusted Book per Share is RSD6,458.77 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 AMS Osiguranje a.d (XBEL:AMSO) Overvalued in 2026?

Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be undervalued. The current stock price of RSD3,950.00 is trading 35.6% below its estimated GF Value™ of RSD6,133.85.

Key valuation signals for XBEL:AMSO:

  • Cyclically Adjusted Book per Share: RSD6,458.77
  • GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
  • GF Score™: 30/100 with 1 warning sign

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


AMS Osiguranje a.d Business Description

Address Roosevelt 16, Belgrade, SRB, 11000
AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.
30GF Score

Get the complete analysis for XBEL:AMSO

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RSD3,950.00
Price
RSD6,133.85
GF Value