Drina osiguranje a.d (XBLB:DROS-R-A) 10-Year ROIIC % : 11.68% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
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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:DROS-R-A Drina osiguranje a.d XBLB:DROS-R-A
10 GF Score
Price BAM1,382.40
GF Value BAM1,495.11
! 1 Warning Sign
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What is Drina osiguranje a.d 10-Year ROIIC %?

Drina osiguranje a.d XBLB:DROS-R-A 10 10-Year ROIIC % is 11.68 as of Dec. 2025. GuruFocus rates XBLB:DROS-R-A with a GF Score™ of 10/100 and a GF Value™ of BAM1,495.11. The stock has 1 warning sign investors should review.

10-Year Return on Invested Incremental Capital (10-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 10-year. Drina osiguranje a.d's 10-Year ROIIC % for the quarter that ended in Dec. 2025 was 11.68%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.

The industry rank for Drina osiguranje a.d's 10-Year ROIIC % or its related term are showing as below:

XBLB:DROS-R-A's 10-Year ROIIC % is not ranked
in the Insurance industry.
Industry Median: 2.97 vs XBLB:DROS-R-A: 11.68

Drina osiguranje a.d  (XBLB:DROS-R-A) 10-Year ROIIC % Explanation

Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.

High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.

Be Aware

It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.


Drina osiguranje a.d 10-Year ROIIC % Related Terms


Drina osiguranje a.d 10-Year ROIIC % Historical Data

* Premium members only.

The historical data trend for Drina osiguranje a.d's 10-Year ROIIC % 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.

Drina osiguranje a.d 10-Year ROIIC % Chart

Drina osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
10-Year ROIIC %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.35 15.32 10.06 13.06 11.68

Drina osiguranje a.d Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
10-Year ROIIC % 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 10.06 0.00 13.06 0.00 11.68

Drina osiguranje a.d 10-Year ROIIC % Competitor Comparison

For the Insurance - Diversified subindustry, Drina osiguranje a.d's 10-Year ROIIC %, along with its competitors' market caps and 10-Year ROIIC % 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.


Drina osiguranje a.d 10-Year ROIIC % vs Insurance Industry

For the Insurance industry and Financial Services sector, Drina osiguranje a.d's 10-Year ROIIC % distribution charts can be found below:

* The bar in red indicates where Drina osiguranje a.d's 10-Year ROIIC % falls into.


XBLB:DROS-R-A
10GF Score
Drina osiguranje a.d XBLB:DROS-R-A
10-Year ROIIC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Drina osiguranje a.d 10-Year ROIIC % Calculation

Drina osiguranje a.d's 10-Year ROIIC % for the quarter that ended in Dec. 2025 is calculated as:

10-Year ROIIC %=10-Year Incremental Net Operating Profit After Taxes (NOPAT)**/10-Year Incremental Invested Capital**
=( 6.3271969 (Dec. 2025) - 4.1704896 (Dec. 2015) )/( 48.1348 (Dec. 2025) - 29.675 (Dec. 2015) )
=2.1567073/18.4598
=11.68%***

* 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.

** Annual data of NOPAT and Invested Capital was used to calculate 10-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.

Frequently Asked Questions Learn more about 10-Year ROIIC % →
What does a 10-Year ROIIC % of 11.68 mean?
Drina osiguranje a.d (XBLB:DROS-R-A) has a 10-Year ROIIC % of 11.68 as of Dec. 2025. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Drina osiguranje a.d and its competitors.
Is Drina osiguranje a.d's 10-Year ROIIC % too high?
Drina osiguranje a.d's current 10-Year ROIIC % is 11.68. The Insurance industry median 10-Year ROIIC % is 2.97. Drina osiguranje a.d's value of 11.68 is 293.3% above this industry median. Overall, Drina osiguranje a.d has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Drina osiguranje a.d's 10-Year ROIIC % compare to competitors?
Drina osiguranje a.d's 10-Year ROIIC % of 11.68 can be compared against companies in the Insurance industry. The industry median 10-Year ROIIC % is 2.97. Drina osiguranje a.d's value of 11.68 is 293.3% 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 10-Year ROIIC % for an Insurance company?
The median 10-Year ROIIC % among Insurance companies is 2.97, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Drina osiguranje a.d's current 10-Year ROIIC % of 11.68 is 293.3% 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 10-Year ROIIC % mean?
A high 10-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 10-Year ROIIC % measures the change in earnings as a percentage of change in investment over 10-year. View historical data on Drina osiguranje a.d and its competitors. For the Insurance industry, the median 10-Year ROIIC % is 2.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Drina osiguranje a.d's current 10-Year ROIIC % is 11.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Drina osiguranje a.d stock overvalued right now?
Drina osiguranje a.d (XBLB:DROS-R-A) has a current 10-Year ROIIC % of 11.68. The stock's GF Value™ is BAM1,495.11, compared to a current price of BAM1,382.40 — trading 7.5% below its estimated fair value. The current 10-Year ROIIC % is 11.68 and 293.3% above the Insurance industry median of 2.97. Drina osiguranje a.d's overall GF Score™ is 10/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 10-Year ROIIC % calculated?
10-Year ROIIC % is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current 10-Year ROIIC % is 11.68 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 Drina osiguranje a.d (XBLB:DROS-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Drina osiguranje a.d stock appears to be undervalued. The current stock price of BAM1,382.40 is trading 7.5% below its estimated GF Value™ of BAM1,495.11.

Key valuation signals for XBLB:DROS-R-A:

  • 10-Year ROIIC %: 11.68
  • GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
  • GF Score™: 10/100 with 1 warning sign
  • Industry Position: 293.3% above the Insurance median

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


Drina osiguranje a.d Business Description

Address 9th January Street, No. 4, Milici, BIH, 75446
Drina osiguranje a.d operates in the insurance industry. The insurance products offered by the company are vehicle insurance which includes car insurance, full and partly auto insurance, property insurance which includes fire insurance, housing and household protection insurance, freak insurance and insurance against burglary, and face protection.
10GF Score

Get the complete analysis for XBLB:DROS-R-A

10-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM1,382.40
Price
BAM1,495.11
GF Value