Krajina osiguranje a.d (XBLB:KROS-R-A) Cyclically Adjusted PS Ratio: 0.59 (As of Jul. 15, 2026) — 23% Below Median

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Director of Data and Quant Analytics at GuruFocus
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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:KROS-R-A Krajina osiguranje a.d XBLB:KROS-R-A
24 GF Score
Price BAM0.41
GF Value BAM0.44
! 1 Warning Sign
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What is Krajina osiguranje a.d Cyclically Adjusted PS Ratio?

Krajina osiguranje a.d XBLB:KROS-R-A 24 Cyclically Adjusted PS Ratio is 0.59 as of Jul. 15, 2026, which is 23% below its 10-year median of 0.77. GuruFocus rates XBLB:KROS-R-A with a GF Score™ of 24/100 and a GF Value™ of BAM0.44. The stock has 1 warning sign investors should review.

As of today (2026-07-15), Krajina osiguranje a.d's current share price is BAM0.414. Krajina osiguranje a.d's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was BAM0.70. Krajina osiguranje a.d's Cyclically Adjusted PS Ratio for today is 0.59.

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

XBLB:KROS-R-A' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.39   Med: 0.77   Max: 2.04
Current: 0.59

During the past years, Krajina osiguranje a.d's highest Cyclically Adjusted PS Ratio was 2.04. The lowest was 0.39. And the median was 0.77.

XBLB:KROS-R-A's Cyclically Adjusted PS Ratio is not ranked
in the Insurance industry.
Industry Median: 1.23 vs XBLB:KROS-R-A: 0.59

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.

Krajina osiguranje a.d's adjusted revenue per share data for the three months ended in Mar. 2026 was BAM0.588. 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 BAM0.70 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Krajina osiguranje a.d  (XBLB:KROS-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.


Krajina osiguranje a.d Cyclically Adjusted PS Ratio Related Terms


Krajina osiguranje a.d Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Krajina 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.

Krajina osiguranje a.d Cyclically Adjusted PS Ratio Chart

Krajina 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 0.00 0.40 0.86 0.80 0.63

Krajina osiguranje a.d Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 0.76 0.73 0.69 0.63 0.59

Krajina osiguranje a.d Cyclically Adjusted PS Ratio Competitor Comparison

For the Insurance - Diversified subindustry, Krajina 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.


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

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

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


XBLB:KROS-R-A
24GF Score
Krajina osiguranje a.d XBLB:KROS-R-A
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Krajina 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.

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

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=0.414/0.70
=0.59

* 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.

Krajina osiguranje a.d's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

For example, Krajina osiguranje a.d's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.588/330.2130*330.2130
=0.588

Current CPI (Mar. 2026) = 330.2130.

Krajina osiguranje a.d Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 0.143 241.018 0.196
201609 0.177 241.428 0.242
201612 0.205 241.432 0.280
201703 0.118 243.801 0.160
201706 0.102 244.955 0.138
201709 0.091 246.819 0.122
201712 0.046 246.524 0.062
201803 0.080 249.554 0.106
201806 0.125 251.989 0.164
201809 0.086 252.439 0.112
201812 0.029 251.233 0.038
201903 0.070 254.202 0.091
201906 0.070 256.143 0.090
201909 0.082 256.759 0.105
201912 0.103 256.974 0.132
202003 0.093 258.115 0.119
202006 0.123 257.797 0.158
202009 0.101 260.280 0.128
202012 0.176 260.474 0.223
202103 0.083 264.877 0.103
202106 0.087 271.696 0.106
202109 0.075 274.310 0.090
202112 0.124 278.802 0.147
202203 0.060 287.504 0.069
202206 0.074 296.311 0.082
202209 0.080 296.808 0.089
202212 0.092 296.797 0.102
202303 0.082 301.836 0.090
202306 0.092 305.109 0.100
202309 0.095 307.789 0.102
202312 0.088 306.746 0.095
202403 0.111 312.332 0.117
202406 0.155 314.175 0.163
202409 0.248 315.301 0.260
202412 0.184 315.605 0.193
202503 0.306 319.799 0.316
202506 0.360 322.561 0.369
202509 0.372 324.800 0.378
202512 0.785 324.054 0.800
202603 0.588 330.213 0.588

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 0.59 mean?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a Cyclically Adjusted PS Ratio of 0.59 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 Krajina osiguranje a.d and its competitors. This is 23% below median its historical median of 0.77. Over the past decade, Krajina osiguranje a.d's Cyclically Adjusted PS Ratio has ranged from 0.39 to 2.04.
Is Krajina osiguranje a.d's Cyclically Adjusted PS Ratio too high?
Krajina osiguranje a.d's current Cyclically Adjusted PS Ratio of 0.59 is 23% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 2.04. The Insurance industry median Cyclically Adjusted PS Ratio is 1.23. Krajina osiguranje a.d's value of 0.59 is 52% below this industry median. Overall, Krajina osiguranje a.d has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Krajina osiguranje a.d's Cyclically Adjusted PS Ratio compare to competitors?
Krajina osiguranje a.d's Cyclically Adjusted PS Ratio of 0.59 can be compared against companies in the Insurance industry. The industry median Cyclically Adjusted PS Ratio is 1.23. Krajina osiguranje a.d's value of 0.59 is 52% below this benchmark. Historically, Krajina osiguranje a.d's own Cyclically Adjusted PS Ratio has ranged from 0.39 to 2.04 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 1.23, Krajina 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. Krajina osiguranje a.d's current Cyclically Adjusted PS Ratio of 0.59 is 52% 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 Krajina 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. Krajina osiguranje a.d's current Cyclically Adjusted PS Ratio is 0.59, which is 23% below median its own 10-year median of 0.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krajina osiguranje a.d stock overvalued right now?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a current Cyclically Adjusted PS Ratio of 0.59. The stock's GF Value™ is BAM0.44, compared to a current price of BAM0.41 — trading 5.9% below its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.59, which is 23% below median its 10-year median of 0.77 and 52% below the Insurance industry median of 1.23. Krajina osiguranje a.d's overall GF Score™ is 24/100 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 Krajina osiguranje a.d (XBLB:KROS-R-A), the current Cyclically Adjusted PS Ratio is 0.59 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 Krajina osiguranje a.d (XBLB:KROS-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Krajina osiguranje a.d stock appears to be undervalued. The current stock price of BAM0.41 is trading 5.9% below its estimated GF Value™ of BAM0.44.

Key valuation signals for XBLB:KROS-R-A:

  • Cyclically Adjusted PS Ratio: 0.59 (23% below median its 10-year median of 0.77)
  • GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
  • GF Score™: 24/100 with 1 warning sign
  • Industry Position: 52% below the Insurance median

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


Krajina osiguranje a.d Business Description

Address Brace Pantic 2, Banja Luka, BIH, 78000
Krajina osiguranje a.d operates as an insurance company in Bosnia and Herzegovina. The company offers different types of insurance, such as property insurance, traffic, and face insurance.
24GF Score

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

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

BAM0.41
Price
BAM0.44
GF Value