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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Mikrofin osiguranje a.d's cash to debt ratio for the quarter that ended in Dec. 2025 was No Debt (1).
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Mikrofin osiguranje a.dcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
(1) Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Mikrofin osiguranje a.d's Cash-to-Debt or its related term are showing as below:
XBLB:MKOS-R-A'
s Cash-to-Debt Range Over the Past 10 Years
Min: No Debt Med: No Debt Max: No Debt
Current: No Debt
During the past 13 years, Mikrofin osiguranje a.d's highest Cash to Debt Ratio was No Debt. The lowest was No Debt. And the median was No Debt.
XBLB:MKOS-R-A's Cash-to-Debt is not ranked
in the Insurance industry.
Industry Median: 2.08
vs XBLB:MKOS-R-A: No Debt
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Mikrofin osiguranje a.d Cash-to-Debt Related Terms
Mikrofin osiguranje a.d Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
XBLB:MKOS-R-A vs CB, PGR, TRV: Cash-to-Debt Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.
Mikrofin osiguranje a.d Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Cash-to-Debt falls into.
Mikrofin osiguranje a.d's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
Mikrofin osiguranje a.d had no debt (1).
Mikrofin osiguranje a.d's Cash to Debt Ratio for the quarter that ended in Dec. 2025 is calculated as:
Mikrofin osiguranje a.d had no debt (1).
* 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.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Cash-to-Debt of No Debt (1) as of Dec. 2025. This is 100% below median its historical median of 10,000.00. Over the past decade, Mikrofin osiguranje a.d's Cash-to-Debt has ranged from 10,000.00 to 10,000.00.
Is Mikrofin osiguranje a.d's Cash-to-Debt too high?
Mikrofin osiguranje a.d's current Cash-to-Debt of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 10,000.00 to a high of 10,000.00. 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 Cash-to-Debt compare to CB and PGR?
Mikrofin osiguranje a.d's Cash-to-Debt of No Debt (1) can be compared against companies in the Insurance industry. The industry median Cash-to-Debt is 2.08. Historically, Mikrofin osiguranje a.d's own Cash-to-Debt has ranged from 10,000.00 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.08, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Cash-to-Debt is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. 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 Cash-to-Debt of No Debt (1). 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 Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Cash-to-Debt is No Debt (1) 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:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
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 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
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