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Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Mikrofin osiguranje a.d's Enterprise Value is BAM-2.21 Mil.
Mikrofin osiguranje a.d's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was BAM1.18 Mil. Therefore, Mikrofin osiguranje a.d's EV-to-EBIT ratio for today is -1.87.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
Mikrofin osiguranje a.d's current Enterprise Value is BAM-2.21 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Mikrofin osiguranje a.d's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was BAM1.18 Mil.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
Mikrofin osiguranje a.d's EV-to-EBITDA for today is:
Mikrofin osiguranje a.d's current Enterprise Value is BAM-2.21 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Mikrofin osiguranje a.d's EBITDA for the trailing twelve months (TTM) ended in Dec. 2025 was BAM2.03 Mil.
Mikrofin osiguranje a.d's current Enterprise Value is BAM-2.21 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Mikrofin osiguranje a.d's Revenue for the trailing twelve months (TTM) ended in Dec. 2025 was BAM26.03 Mil.
Mikrofin osiguranje a.d's current Enterprise Value is BAM-2.21 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Mikrofin osiguranje a.d's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was BAM2.14 Mil.
Mikrofin osiguranje a.d's current Enterprise Value is BAM-2.21 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. Mikrofin osiguranje a.d's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was BAM2.14 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.
Mikrofin osiguranje a.d Enterprise Value Related Terms
Mikrofin osiguranje a.d Enterprise Value Historical Data
* 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.
XBLB:MKOS-R-A vs CB, PGR, TRV: Enterprise Value Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Enterprise Value falls into.
Mikrofin osiguranje a.d Enterprise Value Calculation
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Mikrofin osiguranje a.d's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
What does a Enterprise Value of BAM-2.21 Mil mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Enterprise Value of BAM-2.21 Mil as of Jul. 15, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Mikrofin osiguranje a.d and its competitors.
Is Mikrofin osiguranje a.d's Enterprise Value too high?
Mikrofin osiguranje a.d's current Enterprise Value is BAM-2.21 Mil. 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 Enterprise Value compare to CB and PGR?
Mikrofin osiguranje a.d's Enterprise Value of BAM-2.21 Mil 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 Enterprise Value for an Insurance company?
A good Enterprise Value depends on the Insurance industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Mikrofin osiguranje a.d and its competitors. Mikrofin osiguranje a.d's current Enterprise Value is BAM-2.21 Mil. 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 Enterprise Value of BAM-2.21 Mil. 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 Enterprise Value is BAM-2.21 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Enterprise Value is BAM-2.21 Mil 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 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:
Enterprise Value: BAM-2.21 Mil
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
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
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