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Dunav Re a.dXBEL:DNREM 67 ROA % is 1.99% as of Dec. 2025, which is 55% below its 10-year median of 4.47. GuruFocus rates XBEL:DNREM with a GF Score™ of 67/100 and a GF Value™ of RSD5,165.04 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 507 Insurance companies, Dunav Re a.d ranks better than 78.9% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Dunav Re a.d's annualizedNet Income for the quarter that ended in Dec. 2025 was RSD338 Mil.
Dunav Re a.d's average Total Assets over the quarter that ended in Dec. 2025 was RSD17,012 Mil. Therefore, Dunav Re a.d's annualized ROA % for the quarter that ended in Dec. 2025 was 1.99%.
The historical rank and industry rank for Dunav Re a.d's ROA % or its related term are showing as below:
XBEL:DNREM'
s ROA % Range Over the Past 10 Years
Min: 2.78 Med: 4.47 Max: 6.02
Current: 5.52
During the past 13 years, Dunav Re a.d's highest ROA % was 6.02%. The lowest was 2.78%. And the median was 4.47%.
XBEL:DNREM's ROA % is ranked better than 78.9% of 507
companies
in the Insurance industry
Industry Median: 2.69
vs XBEL:DNREM: 5.52
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Dunav Re a.d ROA % Related Terms
Dunav Re a.d ROA % Historical Data
* Premium members only.
The historical data trend for Dunav Re a.d's ROA % 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 - Reinsurance subindustry, Dunav Re a.d's ROA %, along with its competitors' market caps and ROA % 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 Re a.d ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Dunav Re a.d's ROA % distribution charts can be found below:
* The bar in red indicates where Dunav Re a.d's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Dunav Re a.d (XBEL:DNREM) has a ROA % of 1.99% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Dunav Re a.d and its competitors. This is 55% below median its historical median of 4.47. Over the past decade, Dunav Re a.d's ROA % has ranged from 2.78 to 6.02. According to the industry distribution chart, Dunav Re a.d ranks #107 out of 507 companies in the Insurance industry, placing it in the top 21.1%.
Is Dunav Re a.d's ROA % too high?
Dunav Re a.d's current ROA % of 1.99% is 55% below median its 10-year median of 4.47. Over the past 10 years, this metric has ranged from a low of 2.78 to a high of 6.02. The Insurance industry median ROA % is 2.69. Dunav Re a.d's value of 1.99% is 26% below this industry median. Based on the distribution chart, Dunav Re a.d ranks #107 out of 507 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Dunav Re a.d has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dunav Re a.d's ROA % compare to RGA and EG?
According to the Insurance industry distribution chart, Dunav Re a.d ranks #107 out of 507 companies for ROA %. This places Dunav Re a.d in the top 21% of its industry — outperforming the majority of peers. The industry median ROA % is 2.69. Dunav Re a.d's value of 1.99% is 26% below this benchmark. Historically, Dunav Re a.d's own ROA % has ranged from 2.78 to 6.02 over the past decade. While the company's 10-year median is 4.47 vs. the industry median of 2.69, Dunav Re 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.69, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dunav Re a.d's current ROA % of 1.99% is 26% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Dunav Re a.d and its competitors. For the Insurance industry, the median ROA % is 2.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dunav Re a.d's current ROA % is 1.99%, which is 55% below median its own 10-year median of 4.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dunav Re a.d stock overvalued right now?
Based on GuruFocus' analysis, Dunav Re a.d (XBEL:DNREM) is currently considered Significantly Overvalued. The stock's GF Value™ is RSD5,165.04, compared to a current price of RSD7,600.00 — trading 47.1% above its estimated fair value. The current ROA % is 1.99%, which is 55% below median its 10-year median of 4.47 and 26% below the Insurance industry median of 2.69. Dunav Re a.d's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Dunav Re a.d (XBEL:DNREM), the current ROA % is 1.99% 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 Re a.d (XBEL:DNREM) Overvalued in 2026?
Based on GuruFocus' analysis, Dunav Re a.d stock appears to be overvalued.
The current stock price of RSD7,600.00 is trading 47.1% above its estimated GF Value™ of RSD5,165.04.
GuruFocus considers Dunav Re a.d to be Significantly Overvalued.
Key valuation signals for XBEL:DNREM:
ROA %: 1.99% (55% below median its 10-year median of 4.47)
GF Value™: RSD5,165.04 vs. price of RSD7,600.00 (47.1% above fair value)
Industry Position: 26% below the Insurance median (#107 of 507)
No single metric tells the full story. See the XBEL:DNREM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dunav Re a.d is a joint-stock reinsurance company. It provides reinsurance protection. It operates in countries such as Slovenia, Croatia, Bosnia and Herzegovina, Montenegro, Albania, Turkish part of Cyprus, Germany, Russia, Bulgaria, North Africa (Morocco, Algeria), Asia-Emirates.
67GF Score
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