AMS Osiguranje a.d stock PB Ratio (=0.46) is close to 1-year low of 0.46.
The historical rank and industry rank for AMS Osiguranje a.d's PB Ratio or its related term are showing as below:
XBEL:AMSO'
s PB Ratio Range Over the Past 10 Years
Min: 0.05 Med: 0.26 Max: 0.69
Current: 0.46
During the past 13 years, AMS Osiguranje a.d's highest PB Ratio was 0.69. The lowest was 0.05. And the median was 0.26.
XBEL:AMSO's PB Ratio is not ranked
in the Insurance industry.
Industry Median: 1.42
vs XBEL:AMSO: 0.46
During the past 12 months, AMS Osiguranje a.d's average Book Value Per Share Growth Rate was 9.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 17.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of AMS Osiguranje a.d was 30.60% per year. The lowest was 3.80% per year. And the median was 13.60% per year.
Back to Basics: PB Ratio
AMS Osiguranje a.d (XBEL:AMSO) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
AMS Osiguranje a.d PB Ratio Related Terms
AMS Osiguranje a.d PB Ratio Historical Data
* Premium members only.
The historical data trend for AMS Osiguranje a.d's PB Ratio 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.
For the Insurance - Property & Casualty subindustry, AMS Osiguranje a.d's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's PB Ratio distribution charts can be found below:
* The bar in red indicates where AMS Osiguranje a.d's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
AMS Osiguranje a.d (XBEL:AMSO) has a PB Ratio of 0.46 as of Jul. 09, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AMS Osiguranje a.d and its competitors. This is 77% above median its historical median of 0.26. Over the past decade, AMS Osiguranje a.d's PB Ratio has ranged from 0.05 to 0.69.
Is AMS Osiguranje a.d's PB Ratio too high?
AMS Osiguranje a.d's current PB Ratio of 0.46 is 77% above median its 10-year median of 0.26. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.69. The Insurance industry median PB Ratio is 1.42. AMS Osiguranje a.d's value of 0.46 is 67.6% below this industry median. 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 PB Ratio compare to CB and PGR?
AMS Osiguranje a.d's PB Ratio of 0.46 can be compared against companies in the Insurance industry. The industry median PB Ratio is 1.42. AMS Osiguranje a.d's value of 0.46 is 67.6% below this benchmark. Historically, AMS Osiguranje a.d's own PB Ratio has ranged from 0.05 to 0.69 over the past decade. While the company's 10-year median is 0.26 vs. the industry median of 1.42, AMS Osiguranje a.d has consistently been below 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.42, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMS Osiguranje a.d's current PB Ratio of 0.46 is 67.6% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on AMS Osiguranje a.d and its competitors. For the Insurance industry, the median PB Ratio is 1.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMS Osiguranje a.d's current PB Ratio is 0.46, which is 77% above median its own 10-year median of 0.26. 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 PB Ratio of 0.46. 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 PB Ratio is 0.46, which is 77% above median its 10-year median of 0.26 and 67.6% below the Insurance industry median of 1.42. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For AMS Osiguranje a.d (XBEL:AMSO), the current PB Ratio is 0.46 as of Jul. 09, 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:
PB Ratio: 0.46 (77% above median its 10-year median of 0.26)
GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
Industry Position: 67.6% below the Insurance median
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 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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