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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-30), Dunav osiguranje AD's Intrinsic Value: Projected FCF is BAM0.28. The stock price of Dunav osiguranje AD is BAM34.00. Therefore, Dunav osiguranje AD's Price-to-Intrinsic-Value-Projected-FCF of today is 121.4.
The historical rank and industry rank for Dunav osiguranje AD's Intrinsic Value: Projected FCF or its related term are showing as below:
XBLB:KDVO-R-A'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 33.42 Med: 125.93 Max: 364.57
Current: 121.43
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Dunav osiguranje AD was 364.57. The lowest was 33.42. And the median was 125.93.
XBLB:KDVO-R-A's Price-to-Projected-FCF is not ranked
in the Insurance industry.
Industry Median: 0.76
vs XBLB:KDVO-R-A: 121.43
Dunav osiguranje AD (XBLB:KDVO-R-A) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Dunav osiguranje AD's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
34.00
/
0.27057606692178
=
125.66
* 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 Intrinsic Value: Projected FCF Related Terms
Dunav osiguranje AD Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Dunav osiguranje AD's Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
XBLB:KDVO-R-A vs BRK.A, AIG, ACGL: Intrinsic Value: Projected FCF Comparison
For the Insurance - Diversified subindustry, Dunav osiguranje AD's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Dunav osiguranje AD's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Dunav osiguranje AD's Price-to-Projected-FCF falls into.
Dunav osiguranje AD Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of BAM0.28 mean?
Dunav osiguranje AD (XBLB:KDVO-R-A) has a Intrinsic Value: Projected FCF of BAM0.28 as of Aug. 30, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Dunav osiguranje AD and its competitors.
Is Dunav osiguranje AD's Intrinsic Value: Projected FCF too high?
Dunav osiguranje AD's current Intrinsic Value: Projected FCF is BAM0.28. 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 Intrinsic Value: Projected FCF compare to BRK.A and AIG?
Dunav osiguranje AD's Intrinsic Value: Projected FCF of BAM0.28 can be compared against companies in the Insurance industry. The industry median Intrinsic Value: Projected FCF is 0.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.76, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Dunav osiguranje AD and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dunav osiguranje AD's current Intrinsic Value: Projected FCF is BAM0.28. 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 Intrinsic Value: Projected FCF of BAM0.28. 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 Intrinsic Value: Projected FCF is BAM0.28. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Dunav osiguranje AD (XBLB:KDVO-R-A), the current Intrinsic Value: Projected FCF is BAM0.28 as of Aug. 30, 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:
Intrinsic Value: Projected FCF: BAM0.28
GF Value™: BAM45.98 vs. price of BAM34.00 (26.1% below fair value)
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 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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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