Mikrofin osiguranje a.d (XBLB:MKOS-R-A) Accounts Receivable: BAM1.45 Mil (As of Dec. 2025)

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XBLB:MKOS-R-A Mikrofin osiguranje a.d XBLB:MKOS-R-A
100 GF Score
Price BAM100.00
GF Value BAM162.24
! 1 Warning Sign
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What is Mikrofin osiguranje a.d Accounts Receivable?

Mikrofin osiguranje a.d XBLB:MKOS-R-A 100 Accounts Receivable is BAM1.45 Mil as of Dec. 2025. GuruFocus rates XBLB:MKOS-R-A with a GF Score™ of 100/100 and a GF Value™ of BAM162.24. The stock has 1 warning sign investors should review.

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Mikrofin osiguranje a.d's accounts receivables for the quarter that ended in Dec. 2025 was BAM1.45 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Mikrofin osiguranje a.d's Days Sales Outstanding for the quarter that ended in Dec. 2025 was 10.16.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Mikrofin osiguranje a.d's Net-Net Working Capital per share for the quarter that ended in Dec. 2025 was BAM-221.69.

Mikrofin osiguranje a.d Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Mikrofin osiguranje a.d's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=1.449/26.034*91
=10.16

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Mikrofin osiguranje a.d's accounts receivable are only considered to be worth 75% of book value:

Mikrofin osiguranje a.d's Net-Net Working Capital Per Share for the quarter that ended in Dec. 2025 is calculated as:

Net-Net Working Capital Per Share
=(Cash And Cash Equivalents+0.75 * Accounts Receivable+0.5 * Total Inventories-Total Liabilities
-Preferred Stock-Minority Interest)/Shares Outstanding (EOP)
=(2.649+0.75 * 1.449+0.5 * 0-19.254
-0-0)/0.070
=-221.69

* 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.

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Mikrofin osiguranje a.d Accounts Receivable Related Terms

Mikrofin osiguranje a.d Accounts Receivable Historical Data

* Premium members only.

The historical data trend for Mikrofin osiguranje a.d's Accounts Receivable can be seen below:

* 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.

Mikrofin osiguranje a.d Accounts Receivable Chart

Mikrofin osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Accounts Receivable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.46 0.64 1.05 1.22 1.45

Mikrofin osiguranje a.d Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Accounts Receivable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.46 0.64 1.05 1.22 1.45
XBLB:MKOS-R-A
100GF Score
Mikrofin osiguranje a.d XBLB:MKOS-R-A
Accounts Receivable is just one metric. See GF Score™, valuation, warning signs, and more.
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Mikrofin osiguranje a.d Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Frequently Asked Questions Learn more about Accounts Receivable →
What does a Accounts Receivable of BAM1.45 Mil mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Accounts Receivable of BAM1.45 Mil as of Dec. 2025. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Mikrofin osiguranje a.d and its competitors.
Is Mikrofin osiguranje a.d's Accounts Receivable too high?
Mikrofin osiguranje a.d's current Accounts Receivable is BAM1.45 Mil. Overall, Mikrofin osiguranje a.d has a GF Score™ of 100/100, reflecting its overall financial health beyond just this single metric.
How does Mikrofin osiguranje a.d's Accounts Receivable compare to CB and PGR?
Mikrofin osiguranje a.d's Accounts Receivable of BAM1.45 Mil 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 Accounts Receivable for an Insurance company?
A good Accounts Receivable depends on the Insurance industry context. However, Accounts Receivable 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 Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Mikrofin osiguranje a.d and its competitors. Mikrofin osiguranje a.d's current Accounts Receivable is BAM1.45 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mikrofin osiguranje a.d stock overvalued right now?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a current Accounts Receivable of BAM1.45 Mil. The stock's GF Value™ is BAM162.24, compared to a current price of BAM100.00 — trading 38.4% below its estimated fair value. The current Accounts Receivable is BAM1.45 Mil. Mikrofin osiguranje a.d's overall GF Score™ is 100/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Accounts Receivable is BAM1.45 Mil as of Dec. 2025. 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 Mikrofin osiguranje a.d (XBLB:MKOS-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Mikrofin osiguranje a.d stock appears to be undervalued. The current stock price of BAM100.00 is trading 38.4% below its estimated GF Value™ of BAM162.24.

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

  • Accounts Receivable: BAM1.45 Mil
  • GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
  • GF Score™: 100/100 with 1 warning sign

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

Mikrofin osiguranje a.d Business Description

Address ul. Aleja Svetog Save 61, Banja Luka, BIH, 78000
Mikrofin osiguranje a.d is engaged in offering insurance services in Bosnia and Herzegovina. The company provides insurance for accidents, vehicles, agriculture, transport, and health insurance.
100GF Score

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

Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM100.00
Price
BAM162.24
GF Value