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The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-07-15), Drina osiguranje a.d's share price is BAM1382.40.
Drina osiguranje a.d's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM734.00. Therefore, Drina osiguranje a.d's PE Ratio for today is 1.88.
Good Sign:
Drina osiguranje a.d stock PE Ratio (=1.88) is close to 5-year low of 1.88.
During the past 13 years, Drina osiguranje a.d's highest PE Ratio was 2.86. The lowest was 1.54. And the median was 2.02.
During the past 12 months, Drina osiguranje a.d's average EPS without NRIGrowth Rate was 12.60% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 0.60% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -2.30% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was -0.20% per year.
During the past 13 years, Drina osiguranje a.d's highest 3-Year average EPS without NRI Growth Rate was 29.60% per year. The lowest was -12.30% per year. And the median was 9.40% per year.
Drina osiguranje a.d's EPS (Basic) for the
six
months ended in Dec. 2025 was BAM422.00.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM734.00.
Back to Basics: PE Ratio
Drina osiguranje a.d (XBLB:DROS-R-A) PE Ratio Explanation
The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.
If a company loses money, the PE Ratio becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.
Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratios are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.
PE Ratio can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio.
Drina osiguranje a.d PE Ratio Related Terms
Drina osiguranje a.d PE Ratio Historical Data
* Premium members only.
The historical data trend for Drina osiguranje a.d's PE 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 PE Ratio Competitor Comparison
For the Insurance - Diversified subindustry, Drina osiguranje a.d's PE Ratio, along with its competitors' market caps and PE 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 PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Drina osiguranje a.d's PE Ratio distribution charts can be found below:
* The bar in red indicates where Drina osiguranje a.d's PE Ratio falls into.
The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Drina osiguranje a.d's Share Price of today is BAM1382.40.
For company reported semi-annually, Drina osiguranje a.d's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was BAM734.00.
* 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:
There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio, the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Drina osiguranje a.d (XBLB:DROS-R-A) has a PE Ratio of 1.88 as of Jul. 15, 2026. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Drina osiguranje a.d and its competitors. This is near median its historical median of 2.02. Over the past decade, Drina osiguranje a.d's PE Ratio has ranged from 1.54 to 2.86.
Is Drina osiguranje a.d's PE Ratio too high?
Drina osiguranje a.d's current PE Ratio of 1.88 is near median its 10-year median of 2.02. Over the past 10 years, this metric has ranged from a low of 1.54 to a high of 2.86. 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 PE Ratio compare to competitors?
Drina osiguranje a.d's PE Ratio of 1.88 can be compared against companies in the Insurance industry. Historically, Drina osiguranje a.d's own PE Ratio has ranged from 1.54 to 2.86 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 PE Ratio for an Insurance company?
A good PE Ratio depends on the Insurance industry context. However, PE Ratio 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 PE Ratio mean?
A high PE Ratio can signal that a stock is expensive relative to its fundamentals. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on Drina osiguranje a.d and its competitors. Drina osiguranje a.d's current PE Ratio is 1.88, which is near median its own 10-year median of 2.02. 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 PE Ratio of 1.88. 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 PE Ratio is 1.88, which is near median its 10-year median of 2.02. 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 PE Ratio calculated?
PE Ratio is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current PE Ratio is 1.88 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:
PE Ratio: 1.88 (near median its 10-year median of 2.02)
GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
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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