Dunav osiguranje AD (XBLB:KDVO-R-A) FCF Margin %: -3.46% (As of Dec. 2025)

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Dunav osiguranje AD XBLB:KDVO-R-A

What is Dunav osiguranje AD FCF Margin %?

Dunav osiguranje AD XBLB:KDVO-R-A 19 FCF Margin % is -3.46% as of Dec. 2025. 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.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Dunav osiguranje AD's Free Cash Flow for the six months ended in Dec. 2025 was BAM-0.01 Mil. Dunav osiguranje AD's Revenue for the six months ended in Dec. 2025 was BAM0.32 Mil. Therefore, Dunav osiguranje AD's FCF Margin % for the quarter that ended in Dec. 2025 was -3.46%.

As of today, Dunav osiguranje AD's current FCF Yield % is -0.33%.

The historical rank and industry rank for Dunav osiguranje AD's FCF Margin % or its related term are showing as below:

XBLB:KDVO-R-A' s FCF Margin % Range Over the Past 10 Years
Min: -6.42 Med: -0.95 Max: 3.47
Current: -2.73

During the past 13 years, the highest FCF Margin % of Dunav osiguranje AD was 3.47%. The lowest was -6.42%. And the median was -0.95%.

XBLB:KDVO-R-A's FCF Margin % is not ranked
in the Insurance industry.
Industry Median: 8.965 vs XBLB:KDVO-R-A: -2.73

Dunav osiguranje AD FCF Margin % Related Terms

Dunav osiguranje AD FCF Margin % Historical Data

* Premium members only.

The historical data trend for Dunav osiguranje AD'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.

Dunav osiguranje AD FCF Margin % Chart

Dunav osiguranje AD Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

FCF Margin %

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2.25

-1.00

-6.57

-0.88

-3.51

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
FCF Margin %	Get a 7-Day Free Trial															7.12	-5.09	6.12	-1.94	-3.46

XBLB:KDVO-R-A vs BRK.A, AIG, ACGL: FCF Margin % Comparison

For the Insurance - Diversified subindustry, Dunav osiguranje AD'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.

Dunav osiguranje AD FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Dunav osiguranje AD's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Dunav osiguranje AD's FCF Margin % falls into.

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19GF Score

Dunav osiguranje AD XBLB:KDVO-R-A

FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.

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Dunav osiguranje AD FCF Margin % Calculation

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

Dunav osiguranje AD'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 )
	=	-0.022	/	0.627
	=	-3.51 %

Dunav osiguranje AD'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 )
	=	-0.011	/	0.318
	=	-3.46 %

Frequently Asked Questions Learn more about FCF Margin % →

What does a FCF Margin % of -3.46% mean?

Dunav osiguranje AD (XBLB:KDVO-R-A) has a FCF Margin % of -3.46% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Dunav osiguranje AD and its competitors.

Is Dunav osiguranje AD's FCF Margin % too high?

Dunav osiguranje AD's current FCF Margin % is -3.46%. 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 FCF Margin % compare to BRK.A and AIG?

Dunav osiguranje AD's FCF Margin % of -3.46% can be compared against companies in the Insurance industry. The industry median FCF Margin % is 8.97. 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. 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 Dunav osiguranje AD 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. Dunav osiguranje AD's current FCF Margin % is -3.46%. 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 FCF Margin % of -3.46%. 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 FCF Margin % is -3.46%. 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 FCF Margin % calculated?

FCF Margin % is calculated from a company's financial statements. For Dunav osiguranje AD (XBLB:KDVO-R-A), the current FCF Margin % is -3.46% 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 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:

FCF Margin %: -3.46%
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

Industry Financial Services Insurance

Comparable Companies BRK.A XTER:ALV XSWX:ZURN XPAR:CS MIL:G AIG ACGL XTER:TLX TSX:SLF OHEL:SAMPO XSWX:SLHN LSE:AV.XAMS:NN MIL:UNI OCSE:TRYG XMAD:MAP XAMS:ASRNL XSWX:HELN XBRU:AGS XAMS:AGN

Address Veselina Maslese 28, Banja Luka, Republika Srpska, BIH, 78000

Website https://www.dunav.ba

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

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM34.00

Price

BAM45.98

GF Value

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