Krajina osiguranje a.d (XBLB:KROS-R-A) 3-Year EPS without NRI Growth Rate: 68.10% (As of Mar. 2026) — 482% Above Median

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Vera Yuan
Vera Yuan
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 3-Year EPS without NRI Growth Rate?

Krajina osiguranje a.d XBLB:KROS-R-A 24 3-Year EPS without NRI Growth Rate is 68.10% as of Mar. 2026, which is 482% above its 10-year median of 11.70. 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.

Krajina osiguranje a.d's EPS without NRI for the three months ended in Mar. 2026 was BAM0.00.

During the past 3 years, the average EPS without NRI Growth Rate was 68.10% 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 EPS without NRI growth rate.

During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Krajina osiguranje a.d was 68.10% per year. The lowest was -6.40% per year. And the median was 11.70% per year.


Krajina osiguranje a.d  (XBLB:KROS-R-A) 3-Year EPS without NRI Growth Rate Explanation

EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.


Krajina osiguranje a.d 3-Year EPS without NRI Growth Rate Related Terms


Krajina osiguranje a.d 3-Year EPS without NRI Growth Rate Competitor Comparison

For the Insurance - Diversified subindustry, Krajina osiguranje a.d's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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.


Krajina osiguranje a.d 3-Year EPS without NRI Growth Rate vs Insurance Industry

For the Insurance industry and Financial Services sector, Krajina osiguranje a.d's 3-Year EPS without NRI Growth Rate distribution charts can be found below:

* The bar in red indicates where Krajina osiguranje a.d's 3-Year EPS without NRI Growth Rate falls into.


XBLB:KROS-R-A
24GF Score
Krajina osiguranje a.d XBLB:KROS-R-A
3-Year EPS without NRI Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
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Krajina osiguranje a.d 3-Year EPS without NRI Growth Rate Calculation

This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.

What does a 3-Year EPS without NRI Growth Rate of 68.10% mean?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a 3-Year EPS without NRI Growth Rate of 68.10% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Krajina osiguranje a.d and its competitors. This is 482% above median its historical median of 11.70.
Is Krajina osiguranje a.d's 3-Year EPS without NRI Growth Rate too high?
Krajina osiguranje a.d's current 3-Year EPS without NRI Growth Rate of 68.10% is 482% above median its 10-year median of 11.70. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.35. Krajina osiguranje a.d's value of 68.10% is 316.5% above 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 3-Year EPS without NRI Growth Rate compare to competitors?
Krajina osiguranje a.d's 3-Year EPS without NRI Growth Rate of 68.10% can be compared against companies in the Insurance industry. The industry median 3-Year EPS without NRI Growth Rate is 16.35. Krajina osiguranje a.d's value of 68.10% is 316.5% above this benchmark. While the company's 10-year median is 11.70 vs. the industry median of 16.35, Krajina osiguranje a.d has consistently been above 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 3-Year EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.35, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Krajina osiguranje a.d's current 3-Year EPS without NRI Growth Rate of 68.10% is 316.5% above 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Krajina osiguranje a.d and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krajina osiguranje a.d's current 3-Year EPS without NRI Growth Rate is 68.10%, which is 482% above median its own 10-year median of 11.70. 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 3-Year EPS without NRI Growth Rate of 68.10%. 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 3-Year EPS without NRI Growth Rate is 68.10%, which is 482% above median its 10-year median of 11.70 and 316.5% above the Insurance industry median of 16.35. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Krajina osiguranje a.d (XBLB:KROS-R-A), the current 3-Year EPS without NRI Growth Rate is 68.10% as of Mar. 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:

  • 3-Year EPS without NRI Growth Rate: 68.10% (482% above median its 10-year median of 11.70)
  • GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
  • GF Score™: 24/100 with 1 warning sign
  • Industry Position: 316.5% above 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

3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM0.41
Price
BAM0.44
GF Value