Krajina osiguranje a.d (XBLB:KROS-R-A) ROE % Adjusted to Book Value: 72.43% (As of Mar. 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XBLB:KROS-R-A Krajina osiguranje a.d XBLB:KROS-R-A
24 GF Score
Price BAM0.41
GF Value BAM0.44
! 1 Warning Sign
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What is Krajina osiguranje a.d ROE % Adjusted to Book Value?

Krajina osiguranje a.d XBLB:KROS-R-A 24 ROE % Adjusted to Book Value is 72.43% as of Mar. 2026. GuruFocus rates XBLB:KROS-R-A with a GF Score™ of 24/100 and a GF Value™ of BAM0.44. The stock has 1 warning sign investors should review.

Krajina osiguranje a.d's ROE % for the quarter that ended in Mar. 2026 was 21.73%. Krajina osiguranje a.d's PB Ratio for the quarter that ended in Mar. 2026 was 0.30. Krajina osiguranje a.d's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 72.43%.

Krajina osiguranje a.d ROE % Adjusted to Book Value Related Terms

Krajina osiguranje a.d ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Krajina 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.

Krajina osiguranje a.d ROE % Adjusted to Book Value Chart

Krajina 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 -11.52 10.96 1.81 2.74 26.00

Krajina osiguranje a.d Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 2.52 13.43 54.45 -39.79 72.43

Krajina osiguranje a.d ROE % Adjusted to Book Value Competitor Comparison

For the Insurance - Diversified subindustry, Krajina 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.

Krajina osiguranje a.d ROE % Adjusted to Book Value vs Insurance Industry

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

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


XBLB:KROS-R-A
24GF Score
Krajina osiguranje a.d XBLB:KROS-R-A
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Krajina osiguranje a.d ROE % Adjusted to Book Value Calculation

Krajina 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
=7.54% / 0.29
=26.00%

Krajina osiguranje a.d's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=21.73% / 0.30
=72.43%

* 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 72.43% mean?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a ROE % Adjusted to Book Value of 72.43% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Krajina osiguranje a.d and its competitors.
Is Krajina osiguranje a.d's ROE % Adjusted to Book Value too high?
Krajina osiguranje a.d's current ROE % Adjusted to Book Value is 72.43%. 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 ROE % Adjusted to Book Value compare to competitors?
Krajina osiguranje a.d's ROE % Adjusted to Book Value of 72.43% 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 Krajina osiguranje a.d and its competitors. Krajina osiguranje a.d's current ROE % Adjusted to Book Value is 72.43%. 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 ROE % Adjusted to Book Value of 72.43%. 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 ROE % Adjusted to Book Value is 72.43%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Krajina osiguranje a.d (XBLB:KROS-R-A), the current ROE % Adjusted to Book Value is 72.43% 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:

  • ROE % Adjusted to Book Value: 72.43%
  • GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
  • GF Score™: 24/100 with 1 warning sign

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 Business Description

Address Brace Pantic 2, Banja Luka, BIH, 78000
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

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

BAM0.41
Price
BAM0.44
GF Value