Dunav osiguranje AD (XBLB:KDVO-R-A) EV-to-EBITDA: -516.90 (As of Jul. 23, 2026)

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:KDVO-R-A Dunav osiguranje AD XBLB:KDVO-R-A
19 GF Score
Price BAM34.00
GF Value BAM45.98
! 2 Warning Signs
View Full Analysis

What is Dunav osiguranje AD EV-to-EBITDA?

Dunav osiguranje AD XBLB:KDVO-R-A 19 EV-to-EBITDA is -516.90 as of Jul. 23, 2026. GuruFocus rates XBLB:KDVO-R-A with a GF Score™ of 19/100 and a GF Value™ of BAM45.98. The stock has 2 warning signs investors should review.

EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Dunav osiguranje AD's enterprise value is BAM5.17 Mil. Dunav osiguranje AD's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was BAM-0.01 Mil. Therefore, Dunav osiguranje AD's EV-to-EBITDA for today is -516.90.

The historical rank and industry rank for Dunav osiguranje AD's EV-to-EBITDA or its related term are showing as below:

XBLB:KDVO-R-A' s EV-to-EBITDA Range Over the Past 10 Years
Min: -516.9   Med: 296.54   Max: 1434.05
Current: -516.9

During the past 13 years, the highest EV-to-EBITDA of Dunav osiguranje AD was 1434.05. The lowest was -516.90. And the median was 296.54.

XBLB:KDVO-R-A's EV-to-EBITDA is not ranked
in the Insurance industry.
Industry Median: 8.255 vs XBLB:KDVO-R-A: -516.90

EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.

As of today (2026-07-23), Dunav osiguranje AD's stock price is BAM34.00. Dunav osiguranje AD's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM-0.196. Therefore, Dunav osiguranje AD's PE Ratio (TTM) for today is At Loss.

The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).


Dunav osiguranje AD  (XBLB:KDVO-R-A) EV-to-EBITDA Explanation

EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Dunav osiguranje AD's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=34.00/-0.196
=At Loss

Dunav osiguranje AD's share price for today is BAM34.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Dunav osiguranje AD's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM-0.196.

* 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.

Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).

Please read Which price ratio outperforms the enterprise multiple?


Dunav osiguranje AD EV-to-EBITDA Related Terms


Dunav osiguranje AD EV-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Dunav osiguranje AD's EV-to-EBITDA 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.

Dunav osiguranje AD EV-to-EBITDA Chart

Dunav osiguranje AD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,129.06 296.59 296.59 234.45 -516.70

Dunav osiguranje AD Semi-Annual Data
Dec15 Jun16 Dec16 Jun17 Dec17 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EV-to-EBITDA 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 296.59 0.00 234.45 0.00 -516.70

XBLB:KDVO-R-A vs BRK.A, AIG, ACGL: EV-to-EBITDA Comparison

For the Insurance - Diversified subindustry, Dunav osiguranje AD's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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.


Dunav osiguranje AD EV-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Dunav osiguranje AD's EV-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Dunav osiguranje AD's EV-to-EBITDA falls into.


XBLB:KDVO-R-A
19GF Score
Dunav osiguranje AD XBLB:KDVO-R-A
EV-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Dunav osiguranje AD EV-to-EBITDA Calculation

Dunav osiguranje AD's EV-to-EBITDA for today is calculated as:

EV-to-EBITDA=Enterprise Value (Today)/EBITDA (TTM)
=5.169/-0.01
=-516.90

Dunav osiguranje AD's current Enterprise Value is BAM5.17 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Dunav osiguranje AD's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was BAM-0.01 Mil.

* 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.

Frequently Asked Questions Learn more about EV-to-EBITDA →
What does a EV-to-EBITDA of -516.90 mean?
Dunav osiguranje AD (XBLB:KDVO-R-A) has a EV-to-EBITDA of -516.90 as of Jul. 23, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Dunav osiguranje AD.
Is Dunav osiguranje AD's EV-to-EBITDA too high?
Dunav osiguranje AD's current EV-to-EBITDA is -516.90. Overall, Dunav osiguranje AD has a GF Score™ of 19/100, reflecting its overall financial health beyond just this single metric.
How does Dunav osiguranje AD's EV-to-EBITDA compare to BRK.A and AIG?
Dunav osiguranje AD's EV-to-EBITDA of -516.90 can be compared against companies in the Insurance industry. The industry median EV-to-EBITDA is 8.26. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.26, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Dunav osiguranje AD. For the Insurance industry, the median EV-to-EBITDA is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dunav osiguranje AD's current EV-to-EBITDA is -516.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dunav osiguranje AD stock overvalued right now?
Dunav osiguranje AD (XBLB:KDVO-R-A) has a current EV-to-EBITDA of -516.90. The stock's GF Value™ is BAM45.98, compared to a current price of BAM34.00 — trading 26.1% below its estimated fair value. The current EV-to-EBITDA is -516.90. Dunav osiguranje AD's overall GF Score™ is 19/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Dunav osiguranje AD (XBLB:KDVO-R-A), the current EV-to-EBITDA is -516.90 as of Jul. 23, 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 Dunav osiguranje AD (XBLB:KDVO-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Dunav osiguranje AD stock appears to be undervalued. The current stock price of BAM34.00 is trading 26.1% below its estimated GF Value™ of BAM45.98.

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

  • EV-to-EBITDA: -516.90
  • GF Value™: BAM45.98 vs. price of BAM34.00 (26.1% below fair value)
  • GF Score™: 19/100 with 2 warning signs

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


Dunav osiguranje AD Business Description

Address Veselina Maslese 28, Banja Luka, Republika Srpska, BIH, 78000
Dunav osiguranje AD operates in the insurance industry in Bosnia and Herzegovina. The company offers property insurance, motor vehicle insurance, life insurance, travel health insurance, and insurance for agriculture and crops.
19GF Score

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

EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM34.00
Price
BAM45.98
GF Value