Dunav Re ado Beograd

Dunav Re maintains a conservative capital structure with a debt-to-equity ratio of 0.02, indicating minimal leverage relative to its equity base of 4.25 billion RSD. The company holds 272.15 million RSD in cash and equivalents, which supports its operations despite a current ratio of 0.69, suggesting potential short-term liquidity constraints typical of insurance balance sheets where liabilities include policyholder reserves rather than immediate trade payables. Operating cash flow stands at 1.69 billion RSD, significantly exceeding free cash flow of 513.77 million RSD after capital expenditures of 19.70 million RSD.

Profitability metrics show a return on equity of 8.27% and a return on assets of 2.00%, reflecting efficient use of its 17.58 billion RSD in total assets to generate 893.29 million RSD in net income. The operating income of 1.06 billion RSD exceeds net income, indicating modest tax or non-operating adjustments. Without cohort median data for direct comparison, these returns must be evaluated against general insurance industry benchmarks, where ROE often varies significantly based on underwriting cycles and investment income.

Dunav Re boasts a 6.26% net margin, significantly outperforming the 0.05% cohort median and ranking as best-in-class among peers.

The company maintains a minimal debt-to-equity ratio of 0.02, placing it in the top quartile for financial leverage stability.

Operating margin of 3.82% exceeds the cohort median of 0.07%, demonstrating superior operational efficiency relative to unclassified peers.

Cash conversion ratio of 1.36 surpasses the cohort median of 1.19, suggesting strong ability to turn earnings into cash.

The four-year revenue CAGR of -44.9% indicates a persistent and dramatic long-term decline in the company's scale.