Drina osiguranje a.d (XBLB:DROS-R-A) Scaled Net Operating Assets: 0.18 (As of Dec. 2025)

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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 Scaled Net Operating Assets?

Drina osiguranje a.d XBLB:DROS-R-A 10 Scaled Net Operating Assets is 0.18 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.

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

Drina osiguranje a.d's operating assets for the quarter that ended in Dec. 2025 was BAM41.84 Mil. Drina osiguranje a.d's operating liabilities for the quarter that ended in Dec. 2025 was BAM33.48 Mil. Drina osiguranje a.d's Total Assets for the quarter that ended in Jun. 2025 was BAM46.27 Mil. Therefore, Drina osiguranje a.d's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.18.

XBLB:DROS-R-A
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Drina osiguranje a.d XBLB:DROS-R-A
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Drina 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.

Drina 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 )
=(46.975-33.48)/45.759
=0.29

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=48.9 - 1.925
=46.975

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=33.48 - 0 - 0
=33.48

Drina 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 )
=(41.843-33.48)/46.267
=0.18

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=48.9 - 7.057
=41.843

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=33.48 - 0 - 0
=33.48

* 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 0.18 mean?
Drina osiguranje a.d (XBLB:DROS-R-A) has a Scaled Net Operating Assets of 0.18 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 Drina osiguranje a.d and its competitors.
Is Drina osiguranje a.d's Scaled Net Operating Assets too high?
Drina osiguranje a.d's current Scaled Net Operating Assets is 0.18. 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 Scaled Net Operating Assets compare to competitors?
Drina osiguranje a.d's Scaled Net Operating Assets of 0.18 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 Drina osiguranje a.d and its competitors. Drina osiguranje a.d's current Scaled Net Operating Assets is 0.18. 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 Scaled Net Operating Assets of 0.18. 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 Scaled Net Operating Assets is 0.18. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current Scaled Net Operating Assets is 0.18 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:

  • Scaled Net Operating Assets: 0.18
  • GF Value™: BAM1,495.11 vs. price of BAM1,382.40 (7.5% below fair value)
  • GF Score™: 10/100 with 1 warning sign

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

Scaled Net Operating Assets 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