Drina osiguranje a.d (XBLB:DROS-R-A) 3-Year EBITDA Growth Rate: -1.30% (As of Dec. 2025)

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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
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What is Drina osiguranje a.d 3-Year EBITDA Growth Rate?

Drina osiguranje a.d XBLB:DROS-R-A 10 3-Year EBITDA Growth Rate is -1.30% as of Dec. 2025. 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.

Drina osiguranje a.d's EBITDA per Share for the six months ended in Dec. 2025 was BAM491.67.

During the past 12 months, Drina osiguranje a.d's average EBITDA Per Share Growth Rate was 7.90% per year. During the past 3 years, the average EBITDA Per Share Growth Rate was -1.30% per year. During the past 5 years, the average EBITDA Per Share Growth Rate was -3.30% 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 EBITDA per share growth rate.

During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Drina osiguranje a.d was 22.80% per year. The lowest was -12.80% per year. And the median was 7.00% per year.

Drina osiguranje a.d  (XBLB:DROS-R-A) 3-Year EBITDA Growth Rate Explanation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

Drina osiguranje a.d 3-Year EBITDA Growth Rate Related Terms

Drina osiguranje a.d 3-Year EBITDA Growth Rate Competitor Comparison

For the Insurance - Diversified subindustry, Drina osiguranje a.d's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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.

Drina osiguranje a.d 3-Year EBITDA Growth Rate vs Insurance Industry

For the Insurance industry and Financial Services sector, Drina osiguranje a.d's 3-Year EBITDA Growth Rate distribution charts can be found below:

* The bar in red indicates where Drina osiguranje a.d's 3-Year EBITDA Growth Rate falls into.


XBLB:DROS-R-A
10GF Score
Drina osiguranje a.d XBLB:DROS-R-A
3-Year EBITDA Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
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Drina osiguranje a.d 3-Year EBITDA Growth Rate Calculation

This is the 3-year average growth rate of EBITDA per Share. 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 EBITDA per share growth rate.

What does a 3-Year EBITDA Growth Rate of -1.30% mean?
Drina osiguranje a.d (XBLB:DROS-R-A) has a 3-Year EBITDA Growth Rate of -1.30% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Drina osiguranje a.d and its competitors.
Is Drina osiguranje a.d's 3-Year EBITDA Growth Rate too high?
Drina osiguranje a.d's current 3-Year EBITDA Growth Rate is -1.30%. 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 3-Year EBITDA Growth Rate compare to competitors?
Drina osiguranje a.d's 3-Year EBITDA Growth Rate of -1.30% can be compared against companies in the Insurance industry. The industry median 3-Year EBITDA Growth Rate is 17.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 17.20, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Drina osiguranje a.d and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 17.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Drina osiguranje a.d's current 3-Year EBITDA Growth Rate is -1.30%. 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 3-Year EBITDA Growth Rate of -1.30%. 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 3-Year EBITDA Growth Rate is -1.30%. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current 3-Year EBITDA Growth Rate is -1.30% 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 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:

  • 3-Year EBITDA Growth Rate: -1.30%
  • GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
  • GF Score™: 10/100 with 1 warning sign

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

3-Year EBITDA Growth Rate 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