AMS Osiguranje a.d (XBEL:AMSO) GF Score: 30/100 (As of Jul. 14, 2026) — 64% Below Median

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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.
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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.

XBEL:AMSO AMS Osiguranje a.d XBEL:AMSO
30 GF Score
Price RSD3,950.00
GF Value RSD6,133.85
! 1 Warning Sign
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What is AMS Osiguranje a.d GF Score?

AMS Osiguranje a.d XBEL:AMSO 30 GF Score is 30 as of Jul. 14, 2026, which is 64% below its 10-year median of 84.00. GuruFocus rates XBEL:AMSO with a GF Score™ of 30/100 and a GF Value™ of RSD6,133.85. The stock has 1 warning sign investors should review.

AMS Osiguranje a.d has the GF Score of 30, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 5/10
2. Profitability Rank : 7/10
3. Growth Rank : 0/10
4. GF Value Rank : 9/10
5. Momentum Rank : 0/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes AMS Osiguranje a.d might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

AMS Osiguranje a.d  (XBEL:AMSO) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

AMS Osiguranje a.d GF Score Related Terms

XBEL:AMSO vs CB, PGR, TRV: GF Score Comparison

For the Insurance - Property & Casualty subindustry, AMS Osiguranje a.d's GF Score, along with its competitors' market caps and GF Score 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.

AMS Osiguranje a.d GF Score vs Insurance Industry

For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's GF Score distribution charts can be found below:

* The bar in red indicates where AMS Osiguranje a.d's GF Score falls into.


XBEL:AMSO
30GF Score
AMS Osiguranje a.d XBEL:AMSO
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 30 mean?
AMS Osiguranje a.d (XBEL:AMSO) has a GF Score of 30 as of Jul. 14, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on AMS Osiguranje a.d and its competitors. This is 64% below median its historical median of 84.00. Over the past decade, AMS Osiguranje a.d's GF Score has ranged from 19.00 to 100.00.
Is AMS Osiguranje a.d's GF Score too high?
AMS Osiguranje a.d's current GF Score of 30 is 64% below median its 10-year median of 84.00. Over the past 10 years, this metric has ranged from a low of 19.00 to a high of 100.00. Overall, AMS Osiguranje a.d has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does AMS Osiguranje a.d's GF Score compare to CB and PGR?
AMS Osiguranje a.d's GF Score of 30 can be compared against companies in the Insurance industry. Historically, AMS Osiguranje a.d's own GF Score has ranged from 19.00 to 100.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on AMS Osiguranje a.d and its competitors. AMS Osiguranje a.d's current GF Score is 30, which is 64% below median its own 10-year median of 84.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMS Osiguranje a.d stock overvalued right now?
AMS Osiguranje a.d (XBEL:AMSO) has a current GF Score of 30. The stock's GF Value™ is RSD6,133.85, compared to a current price of RSD3,950.00 — trading 35.6% below its estimated fair value. The current GF Score is 30, which is 64% below median its 10-year median of 84.00. AMS Osiguranje a.d's overall GF Score™ is 30/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For AMS Osiguranje a.d (XBEL:AMSO), the current GF Score is 30 as of Jul. 14, 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 AMS Osiguranje a.d (XBEL:AMSO) Overvalued in 2026?

Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be undervalued. The current stock price of RSD3,950.00 is trading 35.6% below its estimated GF Value™ of RSD6,133.85.

Key valuation signals for XBEL:AMSO:

  • GF Score: 30 (64% below median its 10-year median of 84.00)
  • GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
  • GF Score™: 30/100 with 1 warning sign

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

AMS Osiguranje a.d Business Description

Address Roosevelt 16, Belgrade, SRB, 11000
AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.
30GF Score

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

RSD3,950.00
Price
RSD6,133.85
GF Value