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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. Krajina osiguranje a.d's annualized net income for the quarter that ended in Mar. 2026 was BAM2.05 Mil. Krajina osiguranje a.d's average shareholder tangible equity for the quarter that ended in Mar. 2026 was BAM9.42 Mil. Therefore, Krajina osiguranje a.d's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 21.80%.
The historical rank and industry rank for Krajina osiguranje a.d's Return-on-Tangible-Equity or its related term are showing as below:
XBLB:KROS-R-A'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -39.87 Med: -3.51 Max: 12.64
Current: 12.64
During the past 13 years, Krajina osiguranje a.d's highest Return-on-Tangible-Equity was 12.64%. The lowest was -39.87%. And the median was -3.51%.
XBLB:KROS-R-A's Return-on-Tangible-Equity is not ranked
in the Insurance industry.
Industry Median: 13.32
vs XBLB:KROS-R-A: 12.64
Krajina osiguranje a.d (XBLB:KROS-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.
Krajina osiguranje a.d Return-on-Tangible-Equity Related Terms
Krajina osiguranje a.d Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Krajina osiguranje a.d'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.
Krajina osiguranje a.d Return-on-Tangible-Equity Chart
Krajina osiguranje a.d Return-on-Tangible-Equity Competitor Comparison
For the Insurance - Diversified subindustry, Krajina osiguranje a.d'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.
Krajina osiguranje a.d Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Krajina osiguranje a.d's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Krajina osiguranje a.d'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 four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 21.80% mean?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a Return-on-Tangible-Equity of 21.80% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Krajina osiguranje a.d and its competitors.
Is Krajina osiguranje a.d's Return-on-Tangible-Equity too high?
Krajina osiguranje a.d's current Return-on-Tangible-Equity is 21.80%. The Insurance industry median Return-on-Tangible-Equity is 13.32. Krajina osiguranje a.d's value of 21.80% is 63.7% above this industry median. Overall, Krajina osiguranje a.d has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Krajina osiguranje a.d's Return-on-Tangible-Equity compare to competitors?
Krajina osiguranje a.d's Return-on-Tangible-Equity of 21.80% can be compared against companies in the Insurance industry. The industry median Return-on-Tangible-Equity is 13.32. Krajina osiguranje a.d's value of 21.80% is 63.7% above this benchmark. 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. Krajina osiguranje a.d's current Return-on-Tangible-Equity of 21.80% is 63.7% 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-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 Krajina osiguranje a.d 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. Krajina osiguranje a.d's current Return-on-Tangible-Equity is 21.80%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krajina osiguranje a.d stock overvalued right now?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a current Return-on-Tangible-Equity of 21.80%. The stock's GF Value™ is BAM0.44, compared to a current price of BAM0.41 — trading 5.9% below its estimated fair value. The current Return-on-Tangible-Equity is 21.80% and 63.7% above the Insurance industry median of 13.32. Krajina osiguranje a.d's overall GF Score™ is 24/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Krajina osiguranje a.d (XBLB:KROS-R-A), the current Return-on-Tangible-Equity is 21.80% as of Mar. 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 Krajina osiguranje a.d (XBLB:KROS-R-A) Overvalued in 2026?
Based on GuruFocus' analysis, Krajina osiguranje a.d stock appears to be undervalued.
The current stock price of BAM0.41 is trading 5.9% below its estimated GF Value™ of BAM0.44.
Key valuation signals for XBLB:KROS-R-A:
Return-on-Tangible-Equity: 21.80%
GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
Industry Position: 63.7% above the Insurance median
No single metric tells the full story. See the XBLB:KROS-R-A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Krajina osiguranje a.d operates as an insurance company in Bosnia and Herzegovina. The company offers different types of insurance, such as property insurance, traffic, and face insurance.
24GF Score
Get the complete analysis for XBLB:KROS-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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