Dunav osiguranje a.d (XBEL:DNOS) Scaled Net Operating Assets: -0.16 (As of Dec. 2025)


XBEL:DNOS Dunav osiguranje a.d XBEL:DNOS
66 GF Score
Price RSD1,900.00
GF Value RSD1,482.30
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Dunav osiguranje a.d Scaled Net Operating Assets?

Dunav osiguranje a.d XBEL:DNOS +2.04% 66 Scaled Net Operating Assets is -0.16 as of Dec. 2025. GuruFocus rates XBEL:DNOS with a GF Score™ of 66/100 and a GF Value™ of RSD1,482.30 (Modestly Overvalued). The stock has 2 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.

Dunav osiguranje a.d's operating assets for the quarter that ended in Dec. 2025 was RSD48,323 Mil. Dunav osiguranje a.d's operating liabilities for the quarter that ended in Dec. 2025 was RSD64,542 Mil. Dunav osiguranje a.d's Total Assets for the quarter that ended in Jun. 2025 was RSD104,015 Mil. Therefore, Dunav osiguranje a.d's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.16.

XBEL:DNOS
66GF Score
Dunav osiguranje a.d XBEL:DNOS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Dunav 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.

Dunav 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 )
=(87729.875-64541.557)/79954.209
=0.29

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=89207.291 - 1477.416
=87729.875

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=65178.094 - 250.935 - 385.602
=64541.557

Dunav 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 )
=(48322.726-64541.557)/104015.014
=-0.16

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=89207.291 - 40884.565
=48322.726

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=65178.094 - 250.935 - 385.602
=64541.557

* 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?
Dunav osiguranje a.d (XBEL:DNOS) 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 Dunav osiguranje a.d and its competitors.
Is Dunav osiguranje a.d's Scaled Net Operating Assets too high?
Dunav osiguranje a.d's current Scaled Net Operating Assets is -0.16. Overall, Dunav osiguranje a.d has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Dunav osiguranje a.d's Scaled Net Operating Assets compare to CB and PGR?
Dunav 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 Dunav osiguranje a.d and its competitors. Dunav 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 Dunav osiguranje a.d stock overvalued right now?
Based on GuruFocus' analysis, Dunav osiguranje a.d (XBEL:DNOS) is currently considered Modestly Overvalued. The stock's GF Value™ is RSD1,482.30, compared to a current price of RSD1,900.00 — trading 28.2% above its estimated fair value. The current Scaled Net Operating Assets is -0.16. Dunav osiguranje a.d's overall GF Score™ is 66/100 with 2 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 Dunav osiguranje a.d (XBEL:DNOS), 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 Dunav osiguranje a.d (XBEL:DNOS) Overvalued in 2026?

Based on GuruFocus' analysis, Dunav osiguranje a.d stock appears to be overvalued. The current stock price of RSD1,900.00 is trading 28.2% above its estimated GF Value™ of RSD1,482.30. GuruFocus considers Dunav osiguranje a.d to be Modestly Overvalued.

Key valuation signals for XBEL:DNOS:

  • Scaled Net Operating Assets: -0.16
  • GF Value™: RSD1,482.30 vs. price of RSD1,900.00 (28.2% above fair value)
  • GF Score™: 66/100 with 2 warning signs

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

Dunav osiguranje a.d Business Description

Address Makedonska 4, Belgrade, SRB
Dunav osiguranje a.d. is an insurance company. The company provides insurance, reinsurance, co-insurance, and other insurance services. It offers motor, property, church houses, accident, good health, transportation, liability, and agriculture insurance.
66GF Score

Get the complete analysis for XBEL:DNOS

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

RSD1,900.00
Price
RSD1,482.30
GF Value