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Drina osiguranje a.d stock PB Ratio (=0.81) is close to 10-year low of 0.76.
The historical rank and industry rank for Drina osiguranje a.d's PB Ratio or its related term are showing as below:
XBLB:DROS-R-A'
s PB Ratio Range Over the Past 10 Years
Min: 0.76 Med: 0.84 Max: 1.05
Current: 0.81
During the past 13 years, Drina osiguranje a.d's highest PB Ratio was 1.05. The lowest was 0.76. And the median was 0.84.
XBLB:DROS-R-A's PB Ratio is not ranked
in the Insurance industry.
Industry Median: 1.4
vs XBLB:DROS-R-A: 0.81
During the past 12 months, Drina osiguranje a.d's average Book Value Per Share Growth Rate was 2.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -1.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 0.10% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Drina osiguranje a.d was 7.80% per year. The lowest was -7.10% per year. And the median was 0.55% per year.
Back to Basics: PB Ratio
Drina osiguranje a.d (XBLB:DROS-R-A) 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.
Drina osiguranje a.d PB Ratio Related Terms
Drina osiguranje a.d PB Ratio Historical Data
* Premium members only.
The historical data trend for Drina 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.
Drina osiguranje a.d PB Ratio Competitor Comparison
For the Insurance - Diversified subindustry, Drina 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.
Drina osiguranje a.d PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Drina osiguranje a.d's PB Ratio distribution charts can be found below:
* The bar in red indicates where Drina 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.
Drina osiguranje a.d (XBLB:DROS-R-A) has a PB Ratio of 0.81 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Drina osiguranje a.d and its competitors. This is near median its historical median of 0.84. Over the past decade, Drina osiguranje a.d's PB Ratio has ranged from 0.76 to 1.05.
Is Drina osiguranje a.d's PB Ratio too high?
Drina osiguranje a.d's current PB Ratio of 0.81 is near median its 10-year median of 0.84. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.05. The Insurance industry median PB Ratio is 1.40. Drina osiguranje a.d's value of 0.81 is 42.1% below 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 PB Ratio compare to competitors?
Drina osiguranje a.d's PB Ratio of 0.81 can be compared against companies in the Insurance industry. The industry median PB Ratio is 1.40. Drina osiguranje a.d's value of 0.81 is 42.1% below this benchmark. Historically, Drina osiguranje a.d's own PB Ratio has ranged from 0.76 to 1.05 over the past decade. While the company's 10-year median is 0.84 vs. the industry median of 1.40, Drina 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 1.40, based on 498 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. Drina osiguranje a.d's current PB Ratio of 0.81 is 42.1% 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 Drina osiguranje a.d and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Drina osiguranje a.d's current PB Ratio is 0.81, which is near median its own 10-year median of 0.84. 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 PB Ratio of 0.81. 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 PB Ratio is 0.81, which is near median its 10-year median of 0.84 and 42.1% below the Insurance industry median of 1.40. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current PB Ratio is 0.81 as of Jul. 15, 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 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:
PB Ratio: 0.81 (near median its 10-year median of 0.84)
GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
Industry Position: 42.1% below 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 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
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