Pozavarovalnicava DD (LTS:0MSR) Scaled Net Operating Assets: -0.22 (As of Dec. 2025)

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LTS:0MSR Pozavarovalnica Sava DD LTS:0MSR
57 GF Score
Price €95.24
GF Value €19.43
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Pozavarovalnicava DD Scaled Net Operating Assets?

Pozavarovalnicava DD LTS:0MSR 57 Scaled Net Operating Assets is -0.22 as of Dec. 2025. GuruFocus rates LTS:0MSR with a GF Score™ of 57/100 and a GF Value™ of €19.43 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pozavarovalnicava DD's operating assets for the quarter that ended in Dec. 2025 was €1,554 Mil. Pozavarovalnicava DD's operating liabilities for the quarter that ended in Dec. 2025 was €2,235 Mil. Pozavarovalnicava DD's Total Assets for the quarter that ended in Sep. 2025 was €3,076 Mil. Therefore, Pozavarovalnicava DD's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.22.

LTS:0MSR
57GF Score
Pozavarovalnica Sava DD LTS:0MSR
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Pozavarovalnicava DD Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Pozavarovalnicava DD's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3069.003-2234.516)/2885.409
=0.29

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3112.699 - 43.696
=3069.003

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2370.137 - 132.442 - 3.179
=2234.516

Pozavarovalnicava DD's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(1553.574-2234.516)/3075.539
=-0.22

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3112.699 - 1559.125
=1553.574

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2370.137 - 132.442 - 3.179
=2234.516

* 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 Scaled Net Operating Assets of -0.22 mean?
Pozavarovalnicava DD (LTS:0MSR) has a Scaled Net Operating Assets of -0.22 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pozavarovalnicava DD and its competitors.
Is Pozavarovalnicava DD's Scaled Net Operating Assets too high?
Pozavarovalnicava DD's current Scaled Net Operating Assets is -0.22. Overall, Pozavarovalnicava DD has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pozavarovalnicava DD's Scaled Net Operating Assets compare to CB and PGR?
Pozavarovalnicava DD's Scaled Net Operating Assets of -0.22 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Pozavarovalnicava DD and its competitors. Pozavarovalnicava DD's current Scaled Net Operating Assets is -0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pozavarovalnicava DD stock overvalued right now?
Based on GuruFocus' analysis, Pozavarovalnicava DD (LTS:0MSR) is currently considered Significantly Overvalued. The stock's GF Value™ is €19.43, compared to a current price of €95.24 — trading 390.2% above its estimated fair value. The current Scaled Net Operating Assets is -0.22. Pozavarovalnicava DD's overall GF Score™ is 57/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Pozavarovalnicava DD (LTS:0MSR), the current Scaled Net Operating Assets is -0.22 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 Pozavarovalnicava DD (LTS:0MSR) Overvalued in 2026?

Based on GuruFocus' analysis, Pozavarovalnicava DD stock appears to be overvalued. The current stock price of €95.24 is trading 390.2% above its estimated GF Value™ of €19.43. GuruFocus considers Pozavarovalnicava DD to be Significantly Overvalued.

Key valuation signals for LTS:0MSR:

  • Scaled Net Operating Assets: -0.22
  • GF Value™: €19.43 vs. price of €95.24 (390.2% above fair value)
  • GF Score™: 57/100 with 3 warning signs

No single metric tells the full story. See the LTS:0MSR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pozavarovalnicava DD Business Description

Other Exchanges POSR:SloveniaI69:Germany
Address Dunajska cesta 56, P.O.B. 318, Ljubljana, SVN, 1000
Pozavarovalnica Sava DD is a Slovenian-based company engaged in the reinsurance business. It provides reinsurance services such as capacity, capital relief, catastrophe support, and creativity. The group operates through the business segments of the reinsurance (reinsurance business), non-life (non-life insurance business, broken down into EU and non-EU), life (life insurance business, broken down into EU and non-EU), pensions and asset management (pension insurance business in Slovenia and North Macedonia, and fund management), and the "other" segment. Geographically, the company generates key revenue from Non-Life, EU.
57GF Score

Get the complete analysis for LTS:0MSR

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€95.24
Price
€19.43
GF Value