Drina osiguranje a.d (XBLB:DROS-R-A) Cyclically Adjusted PS Ratio: 0.35 (As of Jul. 15, 2026) — 24% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XBLB:DROS-R-A Drina osiguranje a.d XBLB:DROS-R-A
10 GF Score
Price BAM1,382.40
GF Value BAM1,495.11
! 1 Warning Sign
View Full Analysis

What is Drina osiguranje a.d Cyclically Adjusted PS Ratio?

Drina osiguranje a.d XBLB:DROS-R-A 10 Cyclically Adjusted PS Ratio is 0.35 as of Jul. 15, 2026, which is 24% below its 10-year median of 0.46. GuruFocus rates XBLB:DROS-R-A with a GF Score™ of 10/100 and a GF Value™ of BAM1,495.11. The stock has 1 warning sign investors should review.

As of today (2026-07-15), Drina osiguranje a.d's current share price is BAM1382.40. Drina osiguranje a.d's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 was BAM3,905.43. Drina osiguranje a.d's Cyclically Adjusted PS Ratio for today is 0.35.

The historical rank and industry rank for Drina osiguranje a.d's Cyclically Adjusted PS Ratio or its related term are showing as below:

XBLB:DROS-R-A' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.35   Med: 0.46   Max: 0.57
Current: 0.35

During the past 13 years, Drina osiguranje a.d's highest Cyclically Adjusted PS Ratio was 0.57. The lowest was 0.35. And the median was 0.46.

XBLB:DROS-R-A's Cyclically Adjusted PS Ratio is not ranked
in the Insurance industry.
Industry Median: 1.23 vs XBLB:DROS-R-A: 0.35

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Drina osiguranje a.d's adjusted revenue per share data of for the fiscal year that ended in Dec25 was BAM3,297.333. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is BAM3,905.43 for the trailing ten years ended in Dec25.

Shiller PE for Stocks: The True Measure of Stock Valuation


Drina osiguranje a.d  (XBLB:DROS-R-A) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Drina osiguranje a.d Cyclically Adjusted PS Ratio Related Terms


Drina osiguranje a.d Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Drina osiguranje a.d's Cyclically Adjusted PS Ratio 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.

Drina osiguranje a.d Cyclically Adjusted PS Ratio Chart

Drina osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.46 0.43 0.42 0.35 0.35

Drina osiguranje a.d Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Cyclically Adjusted PS Ratio 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 0.42 0.00 0.35 0.00 0.35

Drina osiguranje a.d Cyclically Adjusted PS Ratio Competitor Comparison

For the Insurance - Diversified subindustry, Drina osiguranje a.d's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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.


Drina osiguranje a.d Cyclically Adjusted PS Ratio vs Insurance Industry

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

* The bar in red indicates where Drina osiguranje a.d's Cyclically Adjusted PS Ratio falls into.


XBLB:DROS-R-A
10GF Score
Drina osiguranje a.d XBLB:DROS-R-A
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Drina osiguranje a.d Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Drina osiguranje a.d's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=1382.40/3905.43
=0.35

* 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.

Drina osiguranje a.d's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Drina osiguranje a.d's adjusted Revenue per Share data for the fiscal year that ended in Dec25 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=3297.333/324.0540*324.0540
=3,297.333

Current CPI (Dec25) = 324.0540.

Drina osiguranje a.d Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 3,415.429 241.432 4,584.245
201712 3,578.429 246.524 4,703.819
201812 3,435.857 251.233 4,431.755
201912 3,450.571 256.974 4,351.301
202012 3,452.714 260.474 4,295.499
202112 3,064.125 278.802 3,561.459
202212 3,107.000 296.797 3,392.338
202312 2,968.000 306.746 3,135.468
202412 3,215.000 315.605 3,301.068
202512 3,297.333 324.054 3,297.333

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

What does a Cyclically Adjusted PS Ratio of 0.35 mean?
Drina osiguranje a.d (XBLB:DROS-R-A) has a Cyclically Adjusted PS Ratio of 0.35 as of Jul. 15, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Drina osiguranje a.d and its competitors. This is 24% below median its historical median of 0.46. Over the past decade, Drina osiguranje a.d's Cyclically Adjusted PS Ratio has ranged from 0.35 to 0.57.
Is Drina osiguranje a.d's Cyclically Adjusted PS Ratio too high?
Drina osiguranje a.d's current Cyclically Adjusted PS Ratio of 0.35 is 24% below median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 0.57. The Insurance industry median Cyclically Adjusted PS Ratio is 1.23. Drina osiguranje a.d's value of 0.35 is 71.5% below this industry median. 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 Cyclically Adjusted PS Ratio compare to competitors?
Drina osiguranje a.d's Cyclically Adjusted PS Ratio of 0.35 can be compared against companies in the Insurance industry. The industry median Cyclically Adjusted PS Ratio is 1.23. Drina osiguranje a.d's value of 0.35 is 71.5% below this benchmark. Historically, Drina osiguranje a.d's own Cyclically Adjusted PS Ratio has ranged from 0.35 to 0.57 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 1.23, Drina osiguranje a.d has consistently been below 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 Cyclically Adjusted PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.23, based on 410 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Drina osiguranje a.d's current Cyclically Adjusted PS Ratio of 0.35 is 71.5% below 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 Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Drina osiguranje a.d and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Drina osiguranje a.d's current Cyclically Adjusted PS Ratio is 0.35, which is 24% below median its own 10-year median of 0.46. 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 Cyclically Adjusted PS Ratio of 0.35. 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 Cyclically Adjusted PS Ratio is 0.35, which is 24% below median its 10-year median of 0.46 and 71.5% below the Insurance industry median of 1.23. 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 Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current Cyclically Adjusted PS Ratio is 0.35 as of Jul. 15, 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 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:

  • Cyclically Adjusted PS Ratio: 0.35 (24% below median its 10-year median of 0.46)
  • GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
  • GF Score™: 10/100 with 1 warning sign
  • Industry Position: 71.5% below the Insurance median

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 Business Description

Address 9th January Street, No. 4, Milici, BIH, 75446
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

Get the complete analysis for XBLB:DROS-R-A

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

BAM1,382.40
Price
BAM1,495.11
GF Value