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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Mikrofin osiguranje a.d's Enterprise Value is BAM-2.21 Mil.
Mikrofin osiguranje a.d's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was BAM2.14 Mil. Therefore, Mikrofin osiguranje a.d's EV-to-FCF for today is -1.03.
The historical rank and industry rank for Mikrofin osiguranje a.d's EV-to-FCF or its related term are showing as below:
XBLB:MKOS-R-A'
s EV-to-FCF Range Over the Past 10 Years
Min: -7.89 Med: 1.88 Max: 4.01
Current: -1.03
During the past 13 years, the highest EV-to-FCF of Mikrofin osiguranje a.d was 4.01. The lowest was -7.89. And the median was 1.88.
XBLB:MKOS-R-A's EV-to-FCF is not ranked
in the Insurance industry.
Industry Median: 9.84
vs XBLB:MKOS-R-A: -1.03
EV-to-FCF 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.
EV-to-FCF 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.
Mikrofin osiguranje a.d's PE Ratio (TTM) for today is calculated as:
Mikrofin osiguranje a.d's share price for today is BAM100.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Mikrofin osiguranje a.d's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM11.430.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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.
XBLB:MKOS-R-A vs CB, PGR, TRV: EV-to-FCF Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's EV-to-FCF falls into.
Mikrofin osiguranje a.d's current Enterprise Value is BAM-2.21 Mil.
For company reported semi-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 (XBLB:MKOS-R-A) has a EV-to-FCF of -1.03 as of Jul. 15, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mikrofin osiguranje a.d and its competitors.
Is Mikrofin osiguranje a.d's EV-to-FCF too high?
Mikrofin osiguranje a.d's current EV-to-FCF is -1.03. 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 EV-to-FCF compare to CB and PGR?
Mikrofin osiguranje a.d's EV-to-FCF of -1.03 can be compared against companies in the Insurance industry. The industry median EV-to-FCF is 9.84. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.84, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median EV-to-FCF is 9.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current EV-to-FCF is -1.03. 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 EV-to-FCF of -1.03. 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 EV-to-FCF is -1.03. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current EV-to-FCF is -1.03 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:
EV-to-FCF: -1.03
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
Get the complete analysis for XBLB:MKOS-R-A
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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