Drina osiguranje a.d (XBLB:DROS-R-A) FCF Margin %: 22.96% (As of Dec. 2025) — 18% Above Median

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Director of Data and Quant Analytics at GuruFocus
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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 FCF Margin %?

Drina osiguranje a.d XBLB:DROS-R-A 10 FCF Margin % is 22.96% as of Dec. 2025, which is 18% above its 10-year median of 19.46. 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.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Drina osiguranje a.d's Free Cash Flow for the six months ended in Dec. 2025 was BAM3.65 Mil. Drina osiguranje a.d's Revenue for the six months ended in Dec. 2025 was BAM15.91 Mil. Therefore, Drina osiguranje a.d's FCF Margin % for the quarter that ended in Dec. 2025 was 22.96%.

As of today, Drina osiguranje a.d's current FCF Yield % is 0.00%.

The historical rank and industry rank for Drina osiguranje a.d's FCF Margin % or its related term are showing as below:

XBLB:DROS-R-A' s FCF Margin % Range Over the Past 10 Years
Min: 11.92   Med: 19.46   Max: 28.08
Current: 18.34


During the past 13 years, the highest FCF Margin % of Drina osiguranje a.d was 28.08%. The lowest was 11.92%. And the median was 19.46%.

XBLB:DROS-R-A's FCF Margin % is not ranked
in the Insurance industry.
Industry Median: 8.965 vs XBLB:DROS-R-A: 18.34


Drina osiguranje a.d FCF Margin % Related Terms


Drina osiguranje a.d FCF Margin % Historical Data

* Premium members only.

The historical data trend for Drina osiguranje a.d's FCF Margin % 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.

Drina osiguranje a.d FCF Margin % Chart

Drina osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 20.55 19.99 19.64 19.27 18.34

Drina osiguranje a.d Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
FCF Margin % 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 18.95 21.94 16.86 13.01 22.96

Drina osiguranje a.d FCF Margin % Competitor Comparison

For the Insurance - Diversified subindustry, Drina osiguranje a.d's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Drina osiguranje a.d's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Drina osiguranje a.d's FCF Margin % falls into.


XBLB:DROS-R-A
10GF Score
Drina osiguranje a.d XBLB:DROS-R-A
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Drina osiguranje a.d FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Drina osiguranje a.d's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=5.444/29.676
=18.34 %

Drina osiguranje a.d's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=3.653/15.907
=22.96 %

* 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 FCF Margin % →
What does a FCF Margin % of 22.96% mean?
Drina osiguranje a.d (XBLB:DROS-R-A) has a FCF Margin % of 22.96% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Drina osiguranje a.d and its competitors. This is 18% above median its historical median of 19.46. Over the past decade, Drina osiguranje a.d's FCF Margin % has ranged from 11.92 to 28.08.
Is Drina osiguranje a.d's FCF Margin % too high?
Drina osiguranje a.d's current FCF Margin % of 22.96% is 18% above median its 10-year median of 19.46. Over the past 10 years, this metric has ranged from a low of 11.92 to a high of 28.08. The Insurance industry median FCF Margin % is 8.97. Drina osiguranje a.d's value of 22.96% is 156.1% above this industry median. 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 FCF Margin % compare to competitors?
Drina osiguranje a.d's FCF Margin % of 22.96% can be compared against companies in the Insurance industry. The industry median FCF Margin % is 8.97. Drina osiguranje a.d's value of 22.96% is 156.1% above this benchmark. Historically, Drina osiguranje a.d's own FCF Margin % has ranged from 11.92 to 28.08 over the past decade. While the company's 10-year median is 19.46 vs. the industry median of 8.97, Drina 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 8.97, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Drina osiguranje a.d's current FCF Margin % of 22.96% is 156.1% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Drina osiguranje a.d and its competitors. For the Insurance industry, the median FCF Margin % is 8.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Drina osiguranje a.d's current FCF Margin % is 22.96%, which is 18% above median its own 10-year median of 19.46. 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 FCF Margin % of 22.96%. 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 FCF Margin % is 22.96%, which is 18% above median its 10-year median of 19.46 and 156.1% above the Insurance industry median of 8.97. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current FCF Margin % is 22.96% 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:

  • FCF Margin %: 22.96% (18% above median its 10-year median of 19.46)
  • GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
  • GF Score™: 10/100 with 1 warning sign
  • Industry Position: 156.1% above the Insurance median

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

FCF Margin % 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