Kompanija Dunav Osiguranje a.d.o. (BELEX:DNOS)
Serbia flag Serbia · Delayed Price · Currency is EUR · Price in RSD
1,844.00
0.00 (0.00%)
At close: Sep 4, 2026

BELEX:DNOS Financials Overview

Millions RSD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
52,15352,15350,17940,75636,23633,410
Revenue Growth
3.05%3.93%23.12%12.47%8.46%7.24%
Operating Income
4,4134,4132,4901,09183.122,827
Net Income
4,5114,5113,4042,4881,4522,594
Earnings Per Share
297.00297.00224.13170.00102.08270.55
EPS Growth
35.48%32.51%31.84%66.54%-62.27%-34.69%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024
Period EndingDec '25 Dec '25 Dec '24
Life Insurance
5,1415,1414,749
Life Insurance except Life Insurance
260.05260.05248.31
Accident and Voluntary Health Insurance
3,4603,4603,274
Vehicles
5,8735,8735,160
Vessels and Transport
639.53639.53581.91
Aircraft
187.09187.09154.52
Property
7,6727,6727,503
Responsibility
17,81317,81316,217
Loans and Guarantees
293.28293.28289.86
Other
11,79011,79013,489
Total
53,13053,13051,668

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
2,0762,0763,3833,5442,4922,202
Total Debt
1,5581,5582,5971,6621,202459.05
Net Cash (Debt)
517.4517.4786.221,8821,2911,743
Net Cash Growth
-22.73%-34.19%-58.23%45.84%-25.94%-43.12%
Net Cash Per Share
34.0634.0651.76128.6390.75181.73

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
7,9867,9866,5645,0291,9812,714
Capital Expenditures
-772.63-772.63-2,067-2,334-1,108-1,196
Free Cash Flow
7,2147,2144,4972,694872.471,518
Free Cash Flow Growth
59.57%60.43%66.89%208.83%-42.54%-62.86%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
8.46%8.46%4.96%2.68%0.23%8.46%
Pretax Margin
9.83%9.83%7.60%6.99%4.59%9.16%
Profit Margin
8.65%8.65%6.78%6.10%4.01%7.76%
FCF Margin
13.83%13.83%8.96%6.61%2.41%4.54%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
6.176.066.145.759.167.78
P/FCF Ratio
3.883.794.645.3115.2513.30
PS Ratio
0.540.520.420.350.370.60