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.
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.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Krajina osiguranje a.d's Enterprise Value is BAM8.34 Mil.
Krajina osiguranje a.d's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was BAM0.13 Mil. Therefore, Krajina osiguranje a.d's EV-to-OCF for today is 66.22.
The historical rank and industry rank for Krajina osiguranje a.d's EV-to-OCF or its related term are showing as below:
XBLB:KROS-R-A'
s EV-to-OCF Range Over the Past 10 Years
Min: -208.87 Med: 1.61 Max: 1413.8
Current: 66.22
During the past 13 years, the highest EV-to-OCF of Krajina osiguranje a.d was 1413.80. The lowest was -208.87. And the median was 1.61.
XBLB:KROS-R-A's EV-to-OCF is not ranked
in the Insurance industry.
Industry Median: 6.82
vs XBLB:KROS-R-A: 66.22
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Krajina osiguranje a.d (XBLB:KROS-R-A) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Krajina osiguranje a.d's PE Ratio (TTM) for today is calculated as:
Krajina osiguranje a.d's share price for today is BAM0.414.
Krajina osiguranje a.d's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BAM0.026.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
Krajina osiguranje a.d EV-to-OCF Competitor Comparison
For the Insurance - Diversified subindustry, Krajina osiguranje a.d's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.
Krajina osiguranje a.d EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Krajina osiguranje a.d's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Krajina osiguranje a.d's EV-to-OCF falls into.
Krajina osiguranje a.d's current Enterprise Value is BAM8.34 Mil.
Krajina osiguranje a.d's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was BAM0.13 Mil.
* 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.
Krajina osiguranje a.d (XBLB:KROS-R-A) has a EV-to-OCF of 66.22 as of Jul. 15, 2026. This is 4013% above median its historical median of 1.61.
Is Krajina osiguranje a.d's EV-to-OCF too high?
Krajina osiguranje a.d's current EV-to-OCF of 66.22 is 4013% above median its 10-year median of 1.61. The Insurance industry median EV-to-OCF is 6.82. Krajina osiguranje a.d's value of 66.22 is 871% above this industry median. Overall, Krajina osiguranje a.d has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Krajina osiguranje a.d's EV-to-OCF compare to competitors?
Krajina osiguranje a.d's EV-to-OCF of 66.22 can be compared against companies in the Insurance industry. The industry median EV-to-OCF is 6.82. Krajina osiguranje a.d's value of 66.22 is 871% above this benchmark. While the company's 10-year median is 1.61 vs. the industry median of 6.82, Krajina 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 EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.82, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Krajina osiguranje a.d's current EV-to-OCF of 66.22 is 871% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krajina osiguranje a.d's current EV-to-OCF is 66.22, which is 4013% above median its own 10-year median of 1.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krajina osiguranje a.d stock overvalued right now?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a current EV-to-OCF of 66.22. The stock's GF Value™ is BAM0.44, compared to a current price of BAM0.41 — trading 5.9% below its estimated fair value. The current EV-to-OCF is 66.22, which is 4013% above median its 10-year median of 1.61 and 871% above the Insurance industry median of 6.82. Krajina osiguranje a.d's overall GF Score™ is 24/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Krajina osiguranje a.d (XBLB:KROS-R-A), the current EV-to-OCF is 66.22 as of Jul. 15, 2026. 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 Krajina osiguranje a.d (XBLB:KROS-R-A) Overvalued in 2026?
Based on GuruFocus' analysis, Krajina osiguranje a.d stock appears to be undervalued.
The current stock price of BAM0.41 is trading 5.9% below its estimated GF Value™ of BAM0.44.
Key valuation signals for XBLB:KROS-R-A:
EV-to-OCF: 66.22 (4013% above median its 10-year median of 1.61)
GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
Industry Position: 871% above the Insurance median
No single metric tells the full story. See the XBLB:KROS-R-A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Krajina osiguranje a.d operates as an insurance company in Bosnia and Herzegovina. The company offers different types of insurance, such as property insurance, traffic, and face insurance.
24GF Score
Get the complete analysis for XBLB:KROS-R-A
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XBLB:KROS-R-A has been successfully added to your 
