Mikrofin osiguranje a.d (XBLB:MKOS-R-A) Debt-to-EBITDA : 0.00 (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 Debt-to-EBITDA?

Mikrofin osiguranje a.d XBLB:MKOS-R-A 100 Debt-to-EBITDA is 0.00 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.

Debt-to-EBITDA measures a company's ability to pay off its debt.

Mikrofin osiguranje a.d's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was BAM0.00 Mil. Mikrofin osiguranje a.d's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was BAM0.00 Mil. Mikrofin osiguranje a.d's annualized EBITDA for the quarter that ended in Dec. 2025 was BAM2.03 Mil. Mikrofin osiguranje a.d's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2025 was 0.00.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Mikrofin osiguranje a.d's Debt-to-EBITDA or its related term are showing as below:

XBLB:MKOS-R-A's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.19
* Ranked among companies with meaningful Debt-to-EBITDA only.

Mikrofin osiguranje a.d  (XBLB:MKOS-R-A) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Mikrofin osiguranje a.d Debt-to-EBITDA Related Terms

Mikrofin osiguranje a.d Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Mikrofin osiguranje a.d's Debt-to-EBITDA 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 Debt-to-EBITDA Chart

Mikrofin osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Mikrofin osiguranje a.d Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA 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 0.00 0.00 0.00 0.00 0.00

XBLB:MKOS-R-A vs CB, PGR, TRV: Debt-to-EBITDA Comparison

For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Mikrofin osiguranje a.d's Debt-to-EBITDA falls into.


XBLB:MKOS-R-A
100GF Score
Mikrofin osiguranje a.d XBLB:MKOS-R-A
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mikrofin osiguranje a.d Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Mikrofin osiguranje a.d's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 0) / 2.033
=0.00

Mikrofin osiguranje a.d's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 0) / 2.033
=0.00

* 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.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is one times the quarterly (Dec. 2025) EBITDA data.

Frequently Asked Questions Learn more about Debt-to-EBITDA →
What does a Debt-to-EBITDA of 0.00 mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Debt-to-EBITDA of 0.00 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Mikrofin osiguranje a.d.
Is Mikrofin osiguranje a.d's Debt-to-EBITDA too high?
Mikrofin osiguranje a.d's current Debt-to-EBITDA is 0.00. 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 Debt-to-EBITDA compare to CB and PGR?
Mikrofin osiguranje a.d's Debt-to-EBITDA of 0.00 can be compared against companies in the Insurance industry. The industry median Debt-to-EBITDA is 1.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 321 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Mikrofin osiguranje a.d. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Debt-to-EBITDA is 0.00. 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 Debt-to-EBITDA of 0.00. 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 Debt-to-EBITDA is 0.00. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Debt-to-EBITDA is 0.00 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:

  • Debt-to-EBITDA: 0.00
  • 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

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

BAM100.00
Price
BAM162.24
GF Value