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Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Drina osiguranje a.d's annualizedNet Income for the quarter that ended in Dec. 2025 was BAM7.25 Mil. Drina osiguranje a.d's average total tangible assets for the quarter that ended in Dec. 2025 was BAM47.35 Mil. Therefore, Drina osiguranje a.d's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 15.31%.
The historical rank and industry rank for Drina osiguranje a.d's Return-on-Tangible-Asset or its related term are showing as below:
XBLB:DROS-R-A'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 11.42 Med: 13.98 Max: 17.92
Current: 13.48
During the past 13 years, Drina osiguranje a.d's highest Return-on-Tangible-Asset was 17.92%. The lowest was 11.42%. And the median was 13.98%.
XBLB:DROS-R-A's Return-on-Tangible-Asset is not ranked
in the Insurance industry.
Industry Median: 2.74
vs XBLB:DROS-R-A: 13.48
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Drina osiguranje a.d Return-on-Tangible-Asset Related Terms
Drina osiguranje a.d Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Drina osiguranje a.d's Return-on-Tangible-Asset 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 - Diversified subindustry, Drina osiguranje a.d's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Drina osiguranje a.d's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Drina osiguranje a.d's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 15.31% mean?
Drina osiguranje a.d (XBLB:DROS-R-A) has a Return-on-Tangible-Asset of 15.31% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Drina osiguranje a.d and its competitors. This is 10% above median its historical median of 13.98. Over the past decade, Drina osiguranje a.d's Return-on-Tangible-Asset has ranged from 11.42 to 17.92.
Is Drina osiguranje a.d's Return-on-Tangible-Asset too high?
Drina osiguranje a.d's current Return-on-Tangible-Asset of 15.31% is 10% above median its 10-year median of 13.98. Over the past 10 years, this metric has ranged from a low of 11.42 to a high of 17.92. The Insurance industry median Return-on-Tangible-Asset is 2.74. Drina osiguranje a.d's value of 15.31% is 458.8% above 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 Return-on-Tangible-Asset compare to competitors?
Drina osiguranje a.d's Return-on-Tangible-Asset of 15.31% can be compared against companies in the Insurance industry. The industry median Return-on-Tangible-Asset is 2.74. Drina osiguranje a.d's value of 15.31% is 458.8% above this benchmark. Historically, Drina osiguranje a.d's own Return-on-Tangible-Asset has ranged from 11.42 to 17.92 over the past decade. While the company's 10-year median is 13.98 vs. the industry median of 2.74, Drina osiguranje a.d has consistently been above 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.74, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Drina osiguranje a.d's current Return-on-Tangible-Asset of 15.31% is 458.8% above 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Drina osiguranje a.d and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Drina osiguranje a.d's current Return-on-Tangible-Asset is 15.31%, which is 10% above median its own 10-year median of 13.98. 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 Return-on-Tangible-Asset of 15.31%. 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 Return-on-Tangible-Asset is 15.31%, which is 10% above median its 10-year median of 13.98 and 458.8% above the Insurance industry median of 2.74. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current Return-on-Tangible-Asset is 15.31% as of Dec. 2025. 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:
Return-on-Tangible-Asset: 15.31% (10% above median its 10-year median of 13.98)
GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
Industry Position: 458.8% above 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
Get the complete analysis for XBLB:DROS-R-A
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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