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During the past 12 months, Mikrofin osiguranje a.d's average EPS without NRI Growth Rate was 7.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 41.80% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 13.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was -18.20% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Mikrofin osiguranje a.d was 52.30% per year. The lowest was -62.60% per year. And the median was 9.30% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Mikrofin osiguranje a.d 3-Year EPS without NRI Growth Rate Related Terms
XBLB:MKOS-R-A vs CB, PGR, TRV: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's 3-Year EPS without NRI Growth Rate falls into.
Mikrofin osiguranje a.d 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 41.80% mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a 3-Year EPS without NRI Growth Rate of 41.80% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Mikrofin osiguranje a.d and its competitors. This is 349% above median its historical median of 9.30.
Is Mikrofin osiguranje a.d's 3-Year EPS without NRI Growth Rate too high?
Mikrofin osiguranje a.d's current 3-Year EPS without NRI Growth Rate of 41.80% is 349% above median its 10-year median of 9.30. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.40. Mikrofin osiguranje a.d's value of 41.80% is 154.9% above 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 3-Year EPS without NRI Growth Rate compare to CB and PGR?
Mikrofin osiguranje a.d's 3-Year EPS without NRI Growth Rate of 41.80% can be compared against companies in the Insurance industry. The industry median 3-Year EPS without NRI Growth Rate is 16.40. Mikrofin osiguranje a.d's value of 41.80% is 154.9% above this benchmark. While the company's 10-year median is 9.30 vs. the industry median of 16.40, Mikrofin osiguranje a.d has consistently been above 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 3-Year EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.40, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current 3-Year EPS without NRI Growth Rate of 41.80% is 154.9% above 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.40 — 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 EPS without NRI Growth Rate is 41.80%, which is 349% above median its own 10-year median of 9.30. 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 EPS without NRI Growth Rate of 41.80%. 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 EPS without NRI Growth Rate is 41.80%, which is 349% above median its 10-year median of 9.30 and 154.9% above the Insurance industry median of 16.40. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current 3-Year EPS without NRI Growth Rate is 41.80% 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 EPS without NRI Growth Rate: 41.80% (349% above median its 10-year median of 9.30)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 154.9% above 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
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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