AMS Osiguranje a.d Past Earnings Performance

Past criteria checks 2/6

AMS Osiguranje a.d's earnings have been declining at an average annual rate of -19.5%, while the Insurance industry saw earnings growing at 4.9% annually. Revenues have been growing at an average rate of 18.8% per year. AMS Osiguranje a.d's return on equity is 8.6%, and it has net margins of 4.4%.

Key information

-19.5%

Earnings growth rate

-19.5%

EPS growth rate

Insurance Industry Growth	7.6%
Revenue growth rate	18.8%
Return on equity	8.6%
Net Margin	4.4%
Last Earnings Update	30 Jun 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How AMS Osiguranje a.d makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BELEX:AMSOPB Revenue, expenses and earnings (RSD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 24	6,486	287	384
31 Mar 24	6,279	295	398
31 Dec 23	6,071	302	413
31 Dec 22	4,863	221	319
31 Dec 21	4,522	523	565
31 Dec 20	4,058	588	467
31 Dec 19	3,898	567	332
31 Dec 18	3,267	128	526
31 Dec 17	3,090	261	432
31 Dec 16	2,870	95	347
31 Dec 15	2,382	33	273
31 Dec 14	2,126	7	365

Quality Earnings: AMSOPB has high quality earnings.

Growing Profit Margin: AMSOPB's current net profit margins (4.4%) are lower than last year (4.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: AMSOPB's earnings have declined by 19.5% per year over the past 5 years.

Accelerating Growth: AMSOPB's earnings growth over the past year (10.1%) exceeds its 5-year average (-19.5% per year).

Earnings vs Industry: AMSOPB earnings growth over the past year (10.1%) did not outperform the Insurance industry 17.3%.

Return on Equity

High ROE: AMSOPB's Return on Equity (8.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/29 03:28
End of Day Share Price	2024/10/01 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

AMS Osiguranje a.d. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution