Krajina osiguranje a.d (XBLB:KROS-R-A) Scaled Net Operating Assets: 0.32 (As of Mar. 2026)

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XBLB:KROS-R-A Krajina osiguranje a.d XBLB:KROS-R-A
24 GF Score
Price BAM0.41
GF Value BAM0.44
! 1 Warning Sign
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What is Krajina osiguranje a.d Scaled Net Operating Assets?

Krajina osiguranje a.d XBLB:KROS-R-A 24 Scaled Net Operating Assets is 0.32 as of Mar. 2026. GuruFocus rates XBLB:KROS-R-A with a GF Score™ of 24/100 and a GF Value™ of BAM0.44. 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.

Krajina osiguranje a.d's operating assets for the quarter that ended in Mar. 2026 was BAM25.28 Mil. Krajina osiguranje a.d's operating liabilities for the quarter that ended in Mar. 2026 was BAM16.49 Mil. Krajina osiguranje a.d's Total Assets for the quarter that ended in Dec. 2025 was BAM27.65 Mil. Therefore, Krajina osiguranje a.d's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.32.

XBLB:KROS-R-A
24GF Score
Krajina osiguranje a.d XBLB:KROS-R-A
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Krajina 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.

Krajina 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 )
=(25.852-18.785)/23.751
=0.30

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=27.652 - 1.8
=25.852

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=19.523 - 0 - 0.738
=18.785

Krajina osiguranje a.d's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(25.275-16.487)/27.652
=0.32

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=27.755 - 2.48
=25.275

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17.001 - 0 - 0.514
=16.487

* 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 0.32 mean?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a Scaled Net Operating Assets of 0.32 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Krajina osiguranje a.d and its competitors.
Is Krajina osiguranje a.d's Scaled Net Operating Assets too high?
Krajina osiguranje a.d's current Scaled Net Operating Assets is 0.32. Overall, Krajina osiguranje a.d has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Krajina osiguranje a.d's Scaled Net Operating Assets compare to competitors?
Krajina osiguranje a.d's Scaled Net Operating Assets of 0.32 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 Krajina osiguranje a.d and its competitors. Krajina osiguranje a.d's current Scaled Net Operating Assets is 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krajina osiguranje a.d stock overvalued right now?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a current Scaled Net Operating Assets of 0.32. The stock's GF Value™ is BAM0.44, compared to a current price of BAM0.41 — trading 5.9% below its estimated fair value. The current Scaled Net Operating Assets is 0.32. Krajina osiguranje a.d's overall GF Score™ is 24/100 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 Krajina osiguranje a.d (XBLB:KROS-R-A), the current Scaled Net Operating Assets is 0.32 as of Mar. 2026. 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 Krajina osiguranje a.d (XBLB:KROS-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Krajina osiguranje a.d stock appears to be undervalued. The current stock price of BAM0.41 is trading 5.9% below its estimated GF Value™ of BAM0.44.

Key valuation signals for XBLB:KROS-R-A:

  • Scaled Net Operating Assets: 0.32
  • GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
  • GF Score™: 24/100 with 1 warning sign

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

Krajina osiguranje a.d Business Description

Address Brace Pantic 2, Banja Luka, BIH, 78000
Krajina osiguranje a.d operates as an insurance company in Bosnia and Herzegovina. The company offers different types of insurance, such as property insurance, traffic, and face insurance.
24GF Score

Get the complete analysis for XBLB:KROS-R-A

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

BAM0.41
Price
BAM0.44
GF Value