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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Dunav osiguranje AD's 5-Year RORE % for the quarter that ended in Dec. 2025 was 136.30%.
The industry rank for Dunav osiguranje AD's 5-Year RORE % or its related term are showing as below:
XBLB:KDVO-R-A's 5-Year RORE % is not ranked
in the Insurance industry.
Industry Median: 11.195
vs XBLB:KDVO-R-A: 136.30
Dunav osiguranje AD (XBLB:KDVO-R-A) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Dunav osiguranje AD 5-Year RORE % Related Terms
Dunav osiguranje AD 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for Dunav osiguranje AD's 5-Year RORE % 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: 5-Year RORE % Comparison
For the Insurance - Diversified subindustry, Dunav osiguranje AD's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Dunav osiguranje AD's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Dunav osiguranje AD's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
Dunav osiguranje AD (XBLB:KDVO-R-A) has a 5-Year RORE % of 136.30 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Dunav osiguranje AD and its competitors.
Is Dunav osiguranje AD's 5-Year RORE % too high?
Dunav osiguranje AD's current 5-Year RORE % is 136.30. The Insurance industry median 5-Year RORE % is 11.20. Dunav osiguranje AD's value of 136.30 is 1117.5% above this industry median. 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 5-Year RORE % compare to BRK.A and AIG?
Dunav osiguranje AD's 5-Year RORE % of 136.30 can be compared against companies in the Insurance industry. The industry median 5-Year RORE % is 11.20. Dunav osiguranje AD's value of 136.30 is 1117.5% 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 5-Year RORE % for an Insurance company?
The median 5-Year RORE % among Insurance companies is 11.20, based on 448 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dunav osiguranje AD's current 5-Year RORE % of 136.30 is 1117.5% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Dunav osiguranje AD and its competitors. For the Insurance industry, the median 5-Year RORE % is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dunav osiguranje AD's current 5-Year RORE % is 136.30. 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 5-Year RORE % of 136.30. 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 5-Year RORE % is 136.30 and 1117.5% above the Insurance industry median of 11.20. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Dunav osiguranje AD (XBLB:KDVO-R-A), the current 5-Year RORE % is 136.30 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:
5-Year RORE %: 136.30
GF Value™: BAM45.98 vs. price of BAM34.00 (26.1% below fair value)
Industry Position: 1117.5% above the Insurance median
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
Get the complete analysis for XBLB:KDVO-R-A
5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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