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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Dunav osiguranje AD's annualizedNet Income for the quarter that ended in Dec. 2025 was BAM-0.06 Mil.
Dunav osiguranje AD's average Total Assets over the quarter that ended in Dec. 2025 was BAM0.81 Mil. Therefore, Dunav osiguranje AD's annualized ROA % for the quarter that ended in Dec. 2025 was -7.67%.
The historical rank and industry rank for Dunav osiguranje AD's ROA % or its related term are showing as below:
XBLB:KDVO-R-A'
s ROA % Range Over the Past 10 Years
Min: -4.67 Med: 0.15 Max: 0.53
Current: -3.78
During the past 13 years, Dunav osiguranje AD's highest ROA % was 0.53%. The lowest was -4.67%. And the median was 0.15%.
XBLB:KDVO-R-A's ROA % is not ranked
in the Insurance industry.
Industry Median: 2.6
vs XBLB:KDVO-R-A: -3.78
Dunav osiguranje AD (XBLB:KDVO-R-A) ROA % Explanation
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 osiguranje AD ROA % Related Terms
Dunav osiguranje AD ROA % Historical Data
* Premium members only.
The historical data trend for Dunav osiguranje AD'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.
XBLB:KDVO-R-A vs BRK.A, AIG, ACGL: ROA % Comparison
For the Insurance - Diversified subindustry, Dunav osiguranje AD'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 osiguranje AD ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Dunav osiguranje AD's ROA % distribution charts can be found below:
* The bar in red indicates where Dunav osiguranje AD'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 osiguranje AD (XBLB:KDVO-R-A) has a ROA % of -7.67% 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 osiguranje AD and its competitors.
Is Dunav osiguranje AD's ROA % too high?
Dunav osiguranje AD's current ROA % is -7.67%. 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 ROA % compare to BRK.A and AIG?
Dunav osiguranje AD's ROA % of -7.67% can be compared against companies in the Insurance industry. The industry median ROA % is 2.60. 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 2.60, 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. 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 osiguranje AD and its competitors. For the Insurance industry, the median ROA % is 2.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dunav osiguranje AD's current ROA % is -7.67%. 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 ROA % of -7.67%. 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 ROA % is -7.67%. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Dunav osiguranje AD (XBLB:KDVO-R-A), the current ROA % is -7.67% 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:
ROA %: -7.67%
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
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