AMS Osiguranje a.d (XBEL:AMSO) Scaled Net Operating Assets: 0.16 (As of Dec. 2025)


XBEL:AMSO AMS Osiguranje a.d XBEL:AMSO
30 GF Score
Price RSD3,950.00
GF Value RSD6,133.85
! 1 Warning Sign
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What is AMS Osiguranje a.d Scaled Net Operating Assets?

AMS Osiguranje a.d XBEL:AMSO 30 Scaled Net Operating Assets is 0.16 as of Dec. 2025. GuruFocus rates XBEL:AMSO with a GF Score™ of 30/100 and a GF Value™ of RSD6,133.85. The stock has 1 warning sign investors should review.

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

AMS Osiguranje a.d's operating assets for the quarter that ended in Dec. 2025 was RSD12,068 Mil. AMS Osiguranje a.d's operating liabilities for the quarter that ended in Dec. 2025 was RSD10,005 Mil. AMS Osiguranje a.d's Total Assets for the quarter that ended in Jun. 2025 was RSD13,119 Mil. Therefore, AMS Osiguranje a.d's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.16.

XBEL:AMSO
30GF Score
AMS Osiguranje a.d XBEL:AMSO
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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AMS Osiguranje a.d 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.

AMS Osiguranje a.d'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 )
=(12069.941-10005.176)/12514.336
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13947.207 - 1877.266
=12069.941

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10005.176 - 0 - 0
=10005.176

AMS Osiguranje a.d'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: Jun. 2025 )
=(12068.291-10005.176)/13118.993
=0.16

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13947.207 - 1878.916
=12068.291

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10005.176 - 0 - 0
=10005.176

* 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 0.16 mean?
AMS Osiguranje a.d (XBEL:AMSO) has a Scaled Net Operating Assets of 0.16 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 AMS Osiguranje a.d and its competitors.
Is AMS Osiguranje a.d's Scaled Net Operating Assets too high?
AMS Osiguranje a.d's current Scaled Net Operating Assets is 0.16. Overall, AMS Osiguranje a.d has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does AMS Osiguranje a.d's Scaled Net Operating Assets compare to CB and PGR?
AMS Osiguranje a.d's Scaled Net Operating Assets of 0.16 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 AMS Osiguranje a.d and its competitors. AMS Osiguranje a.d's current Scaled Net Operating Assets is 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMS Osiguranje a.d stock overvalued right now?
AMS Osiguranje a.d (XBEL:AMSO) has a current Scaled Net Operating Assets of 0.16. The stock's GF Value™ is RSD6,133.85, compared to a current price of RSD3,950.00 — trading 35.6% below its estimated fair value. The current Scaled Net Operating Assets is 0.16. AMS Osiguranje a.d's overall GF Score™ is 30/100 with 1 warning sign 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 AMS Osiguranje a.d (XBEL:AMSO), the current Scaled Net Operating Assets is 0.16 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 AMS Osiguranje a.d (XBEL:AMSO) Overvalued in 2026?

Based on GuruFocus' analysis, AMS Osiguranje a.d stock appears to be undervalued. The current stock price of RSD3,950.00 is trading 35.6% below its estimated GF Value™ of RSD6,133.85.

Key valuation signals for XBEL:AMSO:

  • Scaled Net Operating Assets: 0.16
  • GF Value™: RSD6,133.85 vs. price of RSD3,950.00 (35.6% below fair value)
  • GF Score™: 30/100 with 1 warning sign

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

AMS Osiguranje a.d Business Description

Address Roosevelt 16, Belgrade, SRB, 11000
AMS Osiguranje a.d is a Serbia based company. The company is engaged in the provision of non life insurance services. Its insurance offering includes auto liability insurance, motor insurance, travel health insurance, accident insurance, and other insurances.
30GF Score

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

RSD3,950.00
Price
RSD6,133.85
GF Value