Mikrofin osiguranje a.d (XBLB:MKOS-R-A) Debt-to-Revenue : 0.00 (As of Dec. 2025)

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.
Reviewed by: Charlie Tian Charlie Tian
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:MKOS-R-A Mikrofin osiguranje a.d XBLB:MKOS-R-A
100 GF Score
Price BAM100.00
GF Value BAM162.24
! 1 Warning Sign
View Full Analysis

What is Mikrofin osiguranje a.d Debt-to-Revenue?

Mikrofin osiguranje a.d XBLB:MKOS-R-A 100 Debt-to-Revenue 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-Revenue 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 Revenue for the quarter that ended in Dec. 2025 was BAM26.03 Mil. Mikrofin osiguranje a.d's annualized Debt-to-Revenue for the quarter that ended in Dec. 2025 was 0.00.

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

* Premium members only.

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

Mikrofin osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Revenue
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-Revenue 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-Revenue Comparison

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

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

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


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

Mikrofin osiguranje a.d Debt-to-Revenue Calculation

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

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

Debt-to-Revenue=Total Debt / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 0) / 26.034
=0.00

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

Debt-to-Revenue=Total Debt / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 0) / 26.034
=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-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data, the Revenue data used here is one times the quarterly (Dec. 2025) Revenue data.

Frequently Asked Questions Learn more about Debt-to-Revenue →
What does a Debt-to-Revenue of 0.00 mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Debt-to-Revenue of 0.00 as of Dec. 2025.
Is Mikrofin osiguranje a.d's Debt-to-Revenue too high?
Mikrofin osiguranje a.d's current Debt-to-Revenue 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-Revenue compare to CB and PGR?
Mikrofin osiguranje a.d's Debt-to-Revenue of 0.00 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 Debt-to-Revenue for an Insurance company?
A good Debt-to-Revenue depends on the Insurance industry context. However, Debt-to-Revenue 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-Revenue mean?
A high Debt-to-Revenue can signal that a stock is expensive relative to its fundamentals. Mikrofin osiguranje a.d's current Debt-to-Revenue 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-Revenue 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-Revenue 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-Revenue calculated?
Debt-to-Revenue is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Debt-to-Revenue 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-Revenue: 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-Revenue is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM100.00
Price
BAM162.24
GF Value