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Mikrofin osiguranje a.d's Enterprise Value for the quarter that ended in Dec. 2025 was BAM4.35 Mil.
Mikrofin osiguranje a.d's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was BAM1.18 Mil. Mikrofin osiguranje a.d's Earnings Yield (Joel Greenblatt) for the quarter that ended in Dec. 2025 was 27.10%.
The historical rank and industry rank for Mikrofin osiguranje a.d's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
XBLB:MKOS-R-A'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: -53.48 Med: 24.4 Max: 96.64
Current: -53.48
During the past 13 years, the highest Earnings Yield (Joel Greenblatt) of Mikrofin osiguranje a.d was 96.64%. The lowest was -53.48%. And the median was 24.40%.
XBLB:MKOS-R-A's Earnings Yield (Joel Greenblatt) % is not ranked
in the Insurance industry.
Industry Median: 7.01
vs XBLB:MKOS-R-A: -53.48
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. Mikrofin osiguranje a.d's Forward Rate of Return (Yacktman) % for the quarter that ended in Dec. 2025 was 40.43%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
Mikrofin osiguranje a.d Earnings Yield (Joel Greenblatt) % Related Terms
Mikrofin osiguranje a.d Earnings Yield (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for Mikrofin osiguranje a.d's Earnings Yield (Joel Greenblatt) % 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.
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % 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 Earnings Yield (Joel Greenblatt) % vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Earnings Yield (Joel Greenblatt) % falls into.
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
Mikrofin osiguranje a.ds Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
For company reported semi-annually or annually, GuruFocus only calculate annual data for Earnings Yield (Joel Greenblatt) and apply the annual figure to corresponding quarter.
What does a Earnings Yield (Joel Greenblatt) % of 27.10% mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Earnings Yield (Joel Greenblatt) % of 27.10% as of Dec. 2025. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Mikrofin osiguranje a.d and its competitors. This is 11% above median its historical median of 24.40.
Is Mikrofin osiguranje a.d's Earnings Yield (Joel Greenblatt) % too high?
Mikrofin osiguranje a.d's current Earnings Yield (Joel Greenblatt) % of 27.10% is 11% above median its 10-year median of 24.40. The Insurance industry median Earnings Yield (Joel Greenblatt) % is 7.01. Mikrofin osiguranje a.d's value of 27.10% is 286.6% 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 Earnings Yield (Joel Greenblatt) % compare to CB and PGR?
Mikrofin osiguranje a.d's Earnings Yield (Joel Greenblatt) % of 27.10% can be compared against companies in the Insurance industry. The industry median Earnings Yield (Joel Greenblatt) % is 7.01. Mikrofin osiguranje a.d's value of 27.10% is 286.6% above this benchmark. While the company's 10-year median is 24.40 vs. the industry median of 7.01, 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 Earnings Yield (Joel Greenblatt) % for an Insurance company?
The median Earnings Yield (Joel Greenblatt) % among Insurance companies is 7.01, based on 512 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current Earnings Yield (Joel Greenblatt) % of 27.10% is 286.6% 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 Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median Earnings Yield (Joel Greenblatt) % is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Earnings Yield (Joel Greenblatt) % is 27.10%, which is 11% above median its own 10-year median of 24.40. 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 Earnings Yield (Joel Greenblatt) % of 27.10%. 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 Earnings Yield (Joel Greenblatt) % is 27.10%, which is 11% above median its 10-year median of 24.40 and 286.6% above the Insurance industry median of 7.01. 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 Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Earnings Yield (Joel Greenblatt) % is 27.10% 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:
Earnings Yield (Joel Greenblatt) %: 27.10% (11% above median its 10-year median of 24.40)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 286.6% 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
Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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