AMS Osiguranje a.d (XBEL:AMSO) ROE % Adjusted to Book Value: 15.67% (As of Dec. 2025)


XBEL:AMSO AMS Osiguranje a.d XBEL:AMSO
30 GF Score
Price RSD3,950.00
GF Value RSD6,133.85
! 1 Warning Sign
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What is AMS Osiguranje a.d ROE % Adjusted to Book Value?

AMS Osiguranje a.d XBEL:AMSO 30 ROE % Adjusted to Book Value is 15.67% as of Dec. 2025. GuruFocus rates XBEL:AMSO with a GF Score™ of 30/100 and a GF Value™ of RSD6,133.85. The stock has 1 warning sign investors should review.

AMS Osiguranje a.d's ROE % for the quarter that ended in Dec. 2025 was 10.03%. AMS Osiguranje a.d's PB Ratio for the quarter that ended in Dec. 2025 was 0.64. AMS Osiguranje a.d's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 15.67%.

AMS Osiguranje a.d ROE % Adjusted to Book Value Related Terms

AMS Osiguranje a.d ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for AMS Osiguranje a.d's ROE % Adjusted to Book Value 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.

AMS Osiguranje a.d ROE % Adjusted to Book Value Chart

AMS Osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.44 27.00 28.10 22.78 13.14

AMS Osiguranje a.d Semi-Annual Data
Jun12 Dec12 Jun13 Dec13 Jun14 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 30.60 19.00 30.68 10.68 15.67

XBEL:AMSO vs CB, PGR, TRV: ROE % Adjusted to Book Value Comparison

For the Insurance - Property & Casualty subindustry, AMS Osiguranje a.d's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.

AMS Osiguranje a.d ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, AMS Osiguranje a.d's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where AMS Osiguranje a.d's ROE % Adjusted to Book Value falls into.


XBEL:AMSO
30GF Score
AMS Osiguranje a.d XBEL:AMSO
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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AMS Osiguranje a.d ROE % Adjusted to Book Value Calculation

AMS Osiguranje a.d's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.41% / 0.64
=13.14%

AMS Osiguranje a.d's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.03% / 0.64
=15.67%

* 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.

What does a ROE % Adjusted to Book Value of 15.67% mean?
AMS Osiguranje a.d (XBEL:AMSO) has a ROE % Adjusted to Book Value of 15.67% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AMS Osiguranje a.d and its competitors.
Is AMS Osiguranje a.d's ROE % Adjusted to Book Value too high?
AMS Osiguranje a.d's current ROE % Adjusted to Book Value is 15.67%. Overall, AMS Osiguranje a.d has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does AMS Osiguranje a.d's ROE % Adjusted to Book Value compare to CB and PGR?
AMS Osiguranje a.d's ROE % Adjusted to Book Value of 15.67% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on AMS Osiguranje a.d and its competitors. AMS Osiguranje a.d's current ROE % Adjusted to Book Value is 15.67%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMS Osiguranje a.d stock overvalued right now?
AMS Osiguranje a.d (XBEL:AMSO) has a current ROE % Adjusted to Book Value of 15.67%. The stock's GF Value™ is RSD6,133.85, compared to a current price of RSD3,950.00 — trading 35.6% below its estimated fair value. The current ROE % Adjusted to Book Value is 15.67%. AMS Osiguranje a.d's overall GF Score™ is 30/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For AMS Osiguranje a.d (XBEL:AMSO), the current ROE % Adjusted to Book Value is 15.67% 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 AMS Osiguranje a.d (XBEL:AMSO) Overvalued in 2026?

Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be undervalued. The current stock price of RSD3,950.00 is trading 35.6% below its estimated GF Value™ of RSD6,133.85.

Key valuation signals for XBEL:AMSO:

  • ROE % Adjusted to Book Value: 15.67%
  • GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
  • GF Score™: 30/100 with 1 warning sign

No single metric tells the full story. See the XBEL:AMSO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

AMS Osiguranje a.d Business Description

Address Roosevelt 16, Belgrade, SRB, 11000
AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.
30GF Score

Get the complete analysis for XBEL:AMSO

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

RSD3,950.00
Price
RSD6,133.85
GF Value