Krajina osiguranje a.d (XBLB:KROS-R-A) Cyclically Adjusted FCF per Share: BAM-0.01 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XBLB:KROS-R-A Krajina osiguranje a.d XBLB:KROS-R-A
24 GF Score
Price BAM0.41
GF Value BAM0.44
! 1 Warning Sign
View Full Analysis

What is Krajina osiguranje a.d Cyclically Adjusted FCF per Share?

Krajina osiguranje a.d XBLB:KROS-R-A 24 Cyclically Adjusted FCF per Share is BAM-0.01 as of Mar. 2026. GuruFocus rates XBLB:KROS-R-A with a GF Score™ of 24/100 and a GF Value™ of BAM0.44. The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Krajina osiguranje a.d's adjusted free cash flow per share for the three months ended in Mar. 2026 was BAM0.016. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is BAM-0.01 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 18.30% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Krajina osiguranje a.d was 18.30% per year. The lowest was 18.30% per year. And the median was 18.30% per year.

As of today (2026-07-15), Krajina osiguranje a.d's current stock price is BAM0.414. Krajina osiguranje a.d's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was BAM-0.01. Krajina osiguranje a.d's Cyclically Adjusted Price-to-FCF of today is .


Krajina osiguranje a.d  (XBLB:KROS-R-A) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Krajina osiguranje a.d Cyclically Adjusted FCF per Share Related Terms


Krajina osiguranje a.d Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Krajina osiguranje a.d's Cyclically Adjusted FCF per Share 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.

Krajina osiguranje a.d Cyclically Adjusted FCF per Share Chart

Krajina osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 -0.11 -0.09 0.00 -0.06

Krajina osiguranje a.d Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share 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 Premium Member Only Premium Member Only Premium Member Only -0.06 -0.07 -0.06 -0.06 -0.01

Krajina osiguranje a.d Cyclically Adjusted FCF per Share Competitor Comparison

For the Insurance - Diversified subindustry, Krajina osiguranje a.d's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Krajina osiguranje a.d Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Krajina osiguranje a.d's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Krajina osiguranje a.d's Cyclically Adjusted Price-to-FCF falls into.


XBLB:KROS-R-A
24GF Score
Krajina osiguranje a.d XBLB:KROS-R-A
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Krajina osiguranje a.d Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Krajina osiguranje a.d's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.016/330.2130*330.2130
=0.016

Current CPI (Mar. 2026) = 330.2130.

Krajina osiguranje a.d Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.210 241.018 0.288
201609 -0.065 241.428 -0.089
201612 -0.145 241.432 -0.198
201703 -0.021 243.801 -0.028
201706 -0.089 244.955 -0.120
201709 0.001 246.819 0.001
201712 -0.026 246.524 -0.035
201803 -0.110 249.554 -0.146
201806 0.013 251.989 0.017
201809 -0.015 252.439 -0.020
201812 -0.001 251.233 -0.001
201903 -0.001 254.202 -0.001
201906 0.000 256.143 0.000
201909 0.003 256.759 0.004
201912 0.002 256.974 0.003
202003 0.001 258.115 0.001
202006 0.002 257.797 0.003
202009 0.001 260.280 0.001
202012 0.000 260.474 0.000
202103 -0.039 264.877 -0.049
202106 -0.009 271.696 -0.011
202109 0.001 274.310 0.001
202112 -0.017 278.802 -0.020
202203 -0.004 287.504 -0.005
202206 0.001 296.311 0.001
202209 0.004 296.808 0.004
202212 0.007 296.797 0.008
202303 -0.010 301.836 -0.011
202306 0.017 305.109 0.018
202309 -0.001 307.789 -0.001
202312 0.020 306.746 0.022
202403 -0.005 312.332 -0.005
202406 -0.009 314.175 -0.009
202409 0.000 315.301 0.000
202412 0.000 315.605 0.000
202503 0.219 319.799 0.226
202506 -0.070 322.561 -0.072
202509 0.058 324.800 0.059
202512 0.025 324.054 0.025
202603 0.016 330.213 0.016

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of BAM-0.01 mean?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a Cyclically Adjusted FCF per Share of BAM-0.01 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Krajina osiguranje a.d and its competitors.
Is Krajina osiguranje a.d's Cyclically Adjusted FCF per Share too high?
Krajina osiguranje a.d's current Cyclically Adjusted FCF per Share is BAM-0.01. Overall, Krajina osiguranje a.d has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Krajina osiguranje a.d's Cyclically Adjusted FCF per Share compare to competitors?
Krajina osiguranje a.d's Cyclically Adjusted FCF per Share of BAM-0.01 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 Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Krajina osiguranje a.d and its competitors. Krajina osiguranje a.d's current Cyclically Adjusted FCF per Share is BAM-0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krajina osiguranje a.d stock overvalued right now?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a current Cyclically Adjusted FCF per Share of BAM-0.01. The stock's GF Value™ is BAM0.44, compared to a current price of BAM0.41 — trading 5.9% below its estimated fair value. The current Cyclically Adjusted FCF per Share is BAM-0.01. Krajina osiguranje a.d's overall GF Score™ is 24/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Krajina osiguranje a.d (XBLB:KROS-R-A), the current Cyclically Adjusted FCF per Share is BAM-0.01 as of Mar. 2026. 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 Krajina osiguranje a.d (XBLB:KROS-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Krajina osiguranje a.d stock appears to be undervalued. The current stock price of BAM0.41 is trading 5.9% below its estimated GF Value™ of BAM0.44.

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

  • Cyclically Adjusted FCF per Share: BAM-0.01
  • GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
  • GF Score™: 24/100 with 1 warning sign

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


Krajina osiguranje a.d Business Description

Address Brace Pantic 2, Banja Luka, BIH, 78000
Krajina osiguranje a.d operates as an insurance company in Bosnia and Herzegovina. The company offers different types of insurance, such as property insurance, traffic, and face insurance.
24GF Score

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

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM0.41
Price
BAM0.44
GF Value