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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for AMS Osiguranje a.d's Debt-to-Equity or its related term are showing as below:
XBEL:AMSO's Debt-to-Equity is not ranked *
in the Insurance industry.
Industry Median: 0.21 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
AMS Osiguranje a.d Debt-to-Equity Related Terms
AMS Osiguranje a.d Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for AMS Osiguranje a.d's Debt-to-Equity 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.
XBEL:AMSO vs CB, PGR, TRV: Debt-to-Equity Comparison
For the Insurance - Property & Casualty subindustry, AMS Osiguranje a.d's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where AMS Osiguranje a.d's Debt-to-Equity falls into.
* 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 (XBEL:AMSO) has a Debt-to-Equity of 0.00 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AMS Osiguranje a.d and its competitors. According to the industry distribution chart, AMS Osiguranje a.d ranks #999999 out of 400 companies in the Insurance industry.
Is AMS Osiguranje a.d's Debt-to-Equity too high?
AMS Osiguranje a.d's current Debt-to-Equity is 0.00. Based on the distribution chart, AMS Osiguranje a.d ranks #999999 out of 400 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Debt-to-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, AMS Osiguranje a.d ranks #999999 out of 400 companies for Debt-to-Equity. This places AMS Osiguranje a.d in the lower half of its industry. The industry median Debt-to-Equity is 0.21. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on AMS Osiguranje a.d and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMS Osiguranje a.d's current Debt-to-Equity is 0.00. 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 Debt-to-Equity of 0.00. 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 Debt-to-Equity is 0.00. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For AMS Osiguranje a.d (XBEL:AMSO), the current Debt-to-Equity is 0.00 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:
Debt-to-Equity: 0.00
GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
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 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
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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