Drina osiguranje a.d (XBLB:DROS-R-A) 3-Year Sortino Ratio: -1.01 (As of Jul. 17, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 3-Year Sortino Ratio?

Drina osiguranje a.d XBLB:DROS-R-A 10 3-Year Sortino Ratio is -1.01 as of Jul. 17, 2026. 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.

The 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. As of today (2026-07-17), Drina osiguranje a.d's 3-Year Sortino Ratio is -1.01.

Drina osiguranje a.d  (XBLB:DROS-R-A) 3-Year Sortino Ratio Explanation

The 3-Year Sortino Ratio inidicates the risk-adjusted return of an investment over the past three year. It is calculated as the annualized result of the average three-year monthly excess returns divided by the standard deviation of negative returns in the three-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

Differnt from the Sharpe Ratio that penalizes both upside and downside volatility equally, the Sortino Ratio penalizes only those returns falling below a user-specified target or required rate of return. The expected returns here is set to the risk-free rate as well.

Drina osiguranje a.d 3-Year Sortino Ratio Related Terms

Drina osiguranje a.d 3-Year Sortino Ratio Competitor Comparison

For the Insurance - Diversified subindustry, Drina osiguranje a.d's 3-Year Sortino Ratio, along with its competitors' market caps and 3-Year Sortino Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Drina osiguranje a.d 3-Year Sortino Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Drina osiguranje a.d's 3-Year Sortino Ratio distribution charts can be found below:

* The bar in red indicates where Drina osiguranje a.d's 3-Year Sortino Ratio falls into.


XBLB:DROS-R-A
10GF Score
Drina osiguranje a.d XBLB:DROS-R-A
3-Year Sortino Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Drina osiguranje a.d 3-Year Sortino Ratio Calculation

The 3-Year Sortino Ratio measures the risk-adjusted return of an investment asset or portfolio in the last three year, focusing specifically on downside risk rather than total risk. A stock / portfolio's 3-Year Sortino Ratio can be calculated by dividing the difference between the three-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the downside risks over the past three year.

A downside risk is a potential loss from the asset or investment. The Downside risk here is measured by the downside deviation, which is the standard deviation of negative returns.

Frequently Asked Questions Learn more about 3-Year Sortino Ratio →
What does a 3-Year Sortino Ratio of -1.01 mean?
Drina osiguranje a.d (XBLB:DROS-R-A) has a 3-Year Sortino Ratio of -1.01 as of Jul. 17, 2026. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for Drina osiguranje a.d and its competitors.
Is Drina osiguranje a.d's 3-Year Sortino Ratio too high?
Drina osiguranje a.d's current 3-Year Sortino Ratio is -1.01. 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 3-Year Sortino Ratio compare to competitors?
Drina osiguranje a.d's 3-Year Sortino Ratio of -1.01 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 3-Year Sortino Ratio for an Insurance company?
A good 3-Year Sortino Ratio depends on the Insurance industry context. However, 3-Year Sortino Ratio 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 3-Year Sortino Ratio mean?
A high 3-Year Sortino Ratio can signal that a stock is expensive relative to its fundamentals. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for Drina osiguranje a.d and its competitors. Drina osiguranje a.d's current 3-Year Sortino Ratio is -1.01. 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 3-Year Sortino Ratio of -1.01. 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 3-Year Sortino Ratio is -1.01. 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 3-Year Sortino Ratio calculated?
3-Year Sortino Ratio is calculated from a company's financial statements. For Drina osiguranje a.d (XBLB:DROS-R-A), the current 3-Year Sortino Ratio is -1.01 as of Jul. 17, 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 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:

  • 3-Year Sortino Ratio: -1.01
  • 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

3-Year Sortino Ratio 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