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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Dunav osiguranje AD's annualized net income for the quarter that ended in Dec. 2025 was BAM-0.06 Mil. Dunav osiguranje AD's average shareholder tangible equity for the quarter that ended in Dec. 2025 was BAM0.21 Mil. Therefore, Dunav osiguranje AD's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was -29.18%.
The historical rank and industry rank for Dunav osiguranje AD's Return-on-Tangible-Equity or its related term are showing as below:
XBLB:KDVO-R-A'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -14.32 Med: 0.5 Max: 1.86
Current: -14.04
During the past 13 years, Dunav osiguranje AD's highest Return-on-Tangible-Equity was 1.86%. The lowest was -14.32%. And the median was 0.50%.
XBLB:KDVO-R-A's Return-on-Tangible-Equity is not ranked
in the Insurance industry.
Industry Median: 13.32
vs XBLB:KDVO-R-A: -14.04
Dunav osiguranje AD (XBLB:KDVO-R-A) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Dunav osiguranje AD Return-on-Tangible-Equity Related Terms
Dunav osiguranje AD Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Dunav osiguranje AD's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
XBLB:KDVO-R-A vs BRK.A, AIG, ACGL: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Dunav osiguranje AD's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Dunav osiguranje AD's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Dunav osiguranje AD's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -29.18% mean?
Dunav osiguranje AD (XBLB:KDVO-R-A) has a Return-on-Tangible-Equity of -29.18% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Dunav osiguranje AD and its competitors.
Is Dunav osiguranje AD's Return-on-Tangible-Equity too high?
Dunav osiguranje AD's current Return-on-Tangible-Equity is -29.18%. 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 Return-on-Tangible-Equity compare to BRK.A and AIG?
Dunav osiguranje AD's Return-on-Tangible-Equity of -29.18% can be compared against companies in the Insurance industry. The industry median Return-on-Tangible-Equity is 13.32. 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Dunav osiguranje AD and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dunav osiguranje AD's current Return-on-Tangible-Equity is -29.18%. 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 Return-on-Tangible-Equity of -29.18%. 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 Return-on-Tangible-Equity is -29.18%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Dunav osiguranje AD (XBLB:KDVO-R-A), the current Return-on-Tangible-Equity is -29.18% 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 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:
Return-on-Tangible-Equity: -29.18%
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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