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Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Mikrofin osiguranje a.d Equity-to-Asset Related Terms
Mikrofin osiguranje a.d Equity-to-Asset 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: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Mikrofin osiguranje a.d's Equity to Asset Ratio 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.
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Equity-to-Asset of 0.36 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Mikrofin osiguranje a.d and its competitors. This is 22% below median its historical median of 0.46. Over the past decade, Mikrofin osiguranje a.d's Equity-to-Asset has ranged from 0.36 to 0.53.
Is Mikrofin osiguranje a.d's Equity-to-Asset too high?
Mikrofin osiguranje a.d's current Equity-to-Asset of 0.36 is 22% below median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 0.53. The Insurance industry median Equity-to-Asset is 0.26. Mikrofin osiguranje a.d's value of 0.36 is 38.5% 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 Equity-to-Asset compare to CB and PGR?
Mikrofin osiguranje a.d's Equity-to-Asset of 0.36 can be compared against companies in the Insurance industry. The industry median Equity-to-Asset is 0.26. Mikrofin osiguranje a.d's value of 0.36 is 38.5% above this benchmark. Historically, Mikrofin osiguranje a.d's own Equity-to-Asset has ranged from 0.36 to 0.53 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current Equity-to-Asset of 0.36 is 38.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Equity-to-Asset is 0.36, which is 22% below median its own 10-year median of 0.46. 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 Equity-to-Asset of 0.36. 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 Equity-to-Asset is 0.36, which is 22% below median its 10-year median of 0.46 and 38.5% above the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Equity-to-Asset is 0.36 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:
Equity-to-Asset: 0.36 (22% below median its 10-year median of 0.46)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 38.5% 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
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