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During the past 12 months, Mikrofin osiguranje a.d's average Free Cash Flow per Share Growth Rate was -31.50% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 17.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Mikrofin osiguranje a.d was 51.30% per year. The lowest was -72.20% per year. And the median was 6.70% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Mikrofin osiguranje a.d 3-Year FCF Growth Rate Related Terms
XBLB:MKOS-R-A vs CB, PGR, TRV: 3-Year FCF Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 17.90% mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a 3-Year FCF Growth Rate of 17.90% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Mikrofin osiguranje a.d and its competitors. This is 167% above median its historical median of 6.70.
Is Mikrofin osiguranje a.d's 3-Year FCF Growth Rate too high?
Mikrofin osiguranje a.d's current 3-Year FCF Growth Rate of 17.90% is 167% above median its 10-year median of 6.70. The Insurance industry median 3-Year FCF Growth Rate is 13.00. Mikrofin osiguranje a.d's value of 17.90% is 37.7% above this industry median. 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 3-Year FCF Growth Rate compare to CB and PGR?
Mikrofin osiguranje a.d's 3-Year FCF Growth Rate of 17.90% can be compared against companies in the Insurance industry. The industry median 3-Year FCF Growth Rate is 13.00. Mikrofin osiguranje a.d's value of 17.90% is 37.7% above this benchmark. While the company's 10-year median is 6.70 vs. the industry median of 13.00, Mikrofin osiguranje a.d has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for an Insurance company?
The median 3-Year FCF Growth Rate among Insurance companies is 13.00, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current 3-Year FCF Growth Rate of 17.90% is 37.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 13.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current 3-Year FCF Growth Rate is 17.90%, which is 167% above median its own 10-year median of 6.70. 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 3-Year FCF Growth Rate of 17.90%. 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 3-Year FCF Growth Rate is 17.90%, which is 167% above median its 10-year median of 6.70 and 37.7% above the Insurance industry median of 13.00. 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 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current 3-Year FCF Growth Rate is 17.90% 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:
3-Year FCF Growth Rate: 17.90% (167% above median its 10-year median of 6.70)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 37.7% above the Insurance median
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
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3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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