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The historical rank and industry rank for Mikrofin osiguranje a.d's Cyclically Adjusted Price-to-FCF or its related term are showing as below:
XBLB:MKOS-R-A'
s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 3.5 Med: 5.08 Max: 6.61
Current: 3.56
During the past 13 years, Mikrofin osiguranje a.d's highest Cyclically Adjusted Price-to-FCF was 6.61. The lowest was 3.50. And the median was 5.08.
XBLB:MKOS-R-A's Cyclically Adjusted Price-to-FCF is not ranked
in the Insurance industry.
Industry Median: 13.99
vs XBLB:MKOS-R-A: 3.56
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.
Mikrofin osiguranje a.d's adjusted free cash flow per share data of for the fiscal year that ended in Dec25 was BAM30.543. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is BAM28.09 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.
Mikrofin osiguranje a.d Cyclically Adjusted Price-to-FCF Related Terms
Mikrofin osiguranje a.d Cyclically Adjusted Price-to-FCF Historical Data
* Premium members only.
The historical data trend for Mikrofin osiguranje a.d's Cyclically Adjusted Price-to-FCF 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.
XBLB:MKOS-R-A vs CB, PGR, TRV: Cyclically Adjusted Price-to-FCF Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin 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.
Mikrofin osiguranje a.d Cyclically Adjusted Price-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Cyclically Adjusted Price-to-FCF distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Cyclically Adjusted Price-to-FCF falls into.
Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.
* 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.
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.
What does a Cyclically Adjusted Price-to-FCF of 3.56 mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Cyclically Adjusted Price-to-FCF of 3.56 as of Sep. 12, 2026. Cyclically Adjusted Price-to-FCF Ratio is the ratio of share price to a company's inflation-adjusted FCF per share over a 10-year period. View historical data on Mikrofin osiguranje a.d and its competitors. This is 30% below median its historical median of 5.08. Over the past decade, Mikrofin osiguranje a.d's Cyclically Adjusted Price-to-FCF has ranged from 3.50 to 6.61.
Is Mikrofin osiguranje a.d's Cyclically Adjusted Price-to-FCF too high?
Mikrofin osiguranje a.d's current Cyclically Adjusted Price-to-FCF of 3.56 is 30% below median its 10-year median of 5.08. Over the past 10 years, this metric has ranged from a low of 3.50 to a high of 6.61. The Insurance industry median Cyclically Adjusted Price-to-FCF is 13.99. Mikrofin osiguranje a.d's value of 3.56 is 74.6% below 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 Cyclically Adjusted Price-to-FCF compare to CB and PGR?
Mikrofin osiguranje a.d's Cyclically Adjusted Price-to-FCF of 3.56 can be compared against companies in the Insurance industry. The industry median Cyclically Adjusted Price-to-FCF is 13.99. Mikrofin osiguranje a.d's value of 3.56 is 74.6% below this benchmark. Historically, Mikrofin osiguranje a.d's own Cyclically Adjusted Price-to-FCF has ranged from 3.50 to 6.61 over the past decade. While the company's 10-year median is 5.08 vs. the industry median of 13.99, Mikrofin osiguranje a.d has consistently been below 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 Cyclically Adjusted Price-to-FCF for an Insurance company?
The median Cyclically Adjusted Price-to-FCF among Insurance companies is 13.99, based on 313 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted Price-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted Price-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current Cyclically Adjusted Price-to-FCF of 3.56 is 74.6% below 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 Cyclically Adjusted Price-to-FCF mean?
A high Cyclically Adjusted Price-to-FCF can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted Price-to-FCF Ratio is the ratio of share price to a company's inflation-adjusted FCF per share over a 10-year period. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median Cyclically Adjusted Price-to-FCF is 13.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Cyclically Adjusted Price-to-FCF is 3.56, which is 30% below median its own 10-year median of 5.08. 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 Cyclically Adjusted Price-to-FCF of 3.56. 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 Cyclically Adjusted Price-to-FCF is 3.56, which is 30% below median its 10-year median of 5.08 and 74.6% below the Insurance industry median of 13.99. 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 Cyclically Adjusted Price-to-FCF calculated?
Cyclically Adjusted Price-to-FCF is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Cyclically Adjusted Price-to-FCF is 3.56 as of Sep. 12, 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 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:
Cyclically Adjusted Price-to-FCF: 3.56 (30% below median its 10-year median of 5.08)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 74.6% below 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
Get the complete analysis for XBLB:MKOS-R-A
Cyclically Adjusted Price-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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