Mikrofin osiguranje a.d (XBLB:MKOS-R-A) 3-Year Dividend Growth Rate: 0.00% (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
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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 3-Year Dividend Growth Rate?

Mikrofin osiguranje a.d XBLB:MKOS-R-A 100 3-Year Dividend Growth Rate 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.

Mikrofin osiguranje a.d's Dividends per Share for the six months ended in Dec. 2025 was BAM0.00.

The historical rank and industry rank for Mikrofin osiguranje a.d's 3-Year Dividend Growth Rate or its related term are showing as below:

XBLB:MKOS-R-A's 3-Year Dividend Growth Rate is not ranked *
in the Insurance industry.
Industry Median: 9.85
* Ranked among companies with meaningful 3-Year Dividend Growth Rate only.

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 dividends per share growth rate.

Mikrofin osiguranje a.d's Dividend Payout Ratio for the six months ended in Dec. 2025 was 0.00. As of today, Mikrofin osiguranje a.d's Dividend Yield % is 0.00%.

For more information regarding to dividend, please check our Dividend Page.


Mikrofin osiguranje a.d  (XBLB:MKOS-R-A) 3-Year Dividend Growth Rate Explanation

1. Dividend Payout Ratio measures the percentage of the company's earnings paid out as dividends.

Mikrofin osiguranje a.d's Dividend Payout Ratio for the quarter that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Dec. 2025 )/ EPS without NRI (Q: Dec. 2025 )
=0/ 11.028
=0.00

2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.

* 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 3-Year Dividend Growth Rate Related Terms>


XBLB:MKOS-R-A vs CB, PGR, TRV: 3-Year Dividend Growth Rate Comparison

For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend 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 Dividend Growth Rate vs Insurance Industry

For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's 3-Year Dividend Growth Rate distribution charts can be found below:

* The bar in red indicates where Mikrofin osiguranje a.d's 3-Year Dividend Growth Rate falls into.


XBLB:MKOS-R-A
100GF Score
Mikrofin osiguranje a.d XBLB:MKOS-R-A
3-Year Dividend Growth Rate is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mikrofin osiguranje a.d 3-Year Dividend Growth Rate Calculation

This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound 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 dividends per share growth rate.

What does a 3-Year Dividend Growth Rate of 0.00% mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a 3-Year Dividend Growth Rate of 0.00% as of Dec. 2025. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Mikrofin osiguranje a.d and its competitors.
Is Mikrofin osiguranje a.d's 3-Year Dividend Growth Rate too high?
Mikrofin osiguranje a.d's current 3-Year Dividend Growth Rate 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 3-Year Dividend Growth Rate compare to CB and PGR?
Mikrofin osiguranje a.d's 3-Year Dividend Growth Rate of 0.00% can be compared against companies in the Insurance industry. The industry median 3-Year Dividend Growth Rate is 9.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Dividend Growth Rate for an Insurance company?
The median 3-Year Dividend Growth Rate among Insurance companies is 9.85, based on 274 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate 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 3-Year Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median 3-Year Dividend Growth Rate is 9.85 — 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 Dividend Growth Rate 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 3-Year Dividend Growth Rate 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 3-Year Dividend Growth Rate 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 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current 3-Year Dividend Growth Rate 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:

  • 3-Year Dividend Growth Rate: 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

3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM100.00
Price
BAM162.24
GF Value