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The historical rank and industry rank for Krajina osiguranje a.d's ROE % or its related term are showing as below:
XBLB:KROS-R-A'
s ROE % Range Over the Past 10 Years
Min: -39.87 Med: -3.51 Max: 12.6
Current: 12.6
During the past 13 years, Krajina osiguranje a.d's highest ROE % was 12.60%. The lowest was -39.87%. And the median was -3.51%.
XBLB:KROS-R-A's ROE % is not ranked
in the Insurance industry.
Industry Median: 11.635
vs XBLB:KROS-R-A: 12.60
Krajina osiguranje a.d (XBLB:KROS-R-A) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 % Competitor Comparison
For the Insurance - Diversified subindustry, Krajina osiguranje a.d's ROE %, along with its competitors' market caps and ROE % 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 % vs Insurance Industry
For the Insurance industry and Financial Services sector, Krajina osiguranje a.d's ROE % distribution charts can be found below:
* The bar in red indicates where Krajina osiguranje a.d's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Krajina osiguranje a.d (XBLB:KROS-R-A) has a ROE % of 21.73% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Krajina osiguranje a.d and its competitors.
Is Krajina osiguranje a.d's ROE % too high?
Krajina osiguranje a.d's current ROE % is 21.73%. The Insurance industry median ROE % is 11.64. Krajina osiguranje a.d's value of 21.73% is 86.8% 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 ROE % compare to competitors?
Krajina osiguranje a.d's ROE % of 21.73% can be compared against companies in the Insurance industry. The industry median ROE % is 11.64. Krajina osiguranje a.d's value of 21.73% is 86.8% 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.64, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Krajina osiguranje a.d's current ROE % of 21.73% is 86.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Krajina osiguranje a.d and its competitors. For the Insurance industry, the median ROE % is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krajina osiguranje a.d's current ROE % is 21.73%. 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 % of 21.73%. 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 % is 21.73% and 86.8% above the Insurance industry median of 11.64. 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 % calculated?
ROE % is calculated from a company's financial statements. For Krajina osiguranje a.d (XBLB:KROS-R-A), the current ROE % is 21.73% 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 %: 21.73%
GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
Industry Position: 86.8% 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
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