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Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Mikrofin osiguranje a.d's Intrinsic Value: Projected FCF or its related term are showing as below:
XBLB:MKOS-R-A'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.23 Med: 0.29 Max: 0.34
Current: 0.23
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Mikrofin osiguranje a.d was 0.34. The lowest was 0.23. And the median was 0.29.
XBLB:MKOS-R-A's Price-to-Projected-FCF is not ranked
in the Insurance industry.
Industry Median: 0.77
vs XBLB:MKOS-R-A: 0.23
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Mikrofin osiguranje a.d's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
100.00
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
Mikrofin osiguranje a.d Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Mikrofin osiguranje a.d's Intrinsic Value: Projected FCF 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.
XBLB:MKOS-R-A vs CB, PGR, TRV: Intrinsic Value: Projected FCF Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of BAM434.99 mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Intrinsic Value: Projected FCF of BAM434.99 as of Aug. 04, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Mikrofin osiguranje a.d and its competitors. This is 149897% above median its historical median of 0.29. Over the past decade, Mikrofin osiguranje a.d's Intrinsic Value: Projected FCF has ranged from 0.23 to 0.34.
Is Mikrofin osiguranje a.d's Intrinsic Value: Projected FCF too high?
Mikrofin osiguranje a.d's current Intrinsic Value: Projected FCF of BAM434.99 is 149897% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.34. 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 Intrinsic Value: Projected FCF compare to CB and PGR?
Mikrofin osiguranje a.d's Intrinsic Value: Projected FCF of BAM434.99 can be compared against companies in the Insurance industry. The industry median Intrinsic Value: Projected FCF is 0.77. Historically, Mikrofin osiguranje a.d's own Intrinsic Value: Projected FCF has ranged from 0.23 to 0.34 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.77, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Intrinsic Value: Projected FCF is BAM434.99, which is 149897% above median its own 10-year median of 0.29. 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 Intrinsic Value: Projected FCF of BAM434.99. 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 Intrinsic Value: Projected FCF is BAM434.99, which is 149897% above median its 10-year median of 0.29. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Intrinsic Value: Projected FCF is BAM434.99 as of Aug. 04, 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:
Intrinsic Value: Projected FCF: BAM434.99 (149897% above median its 10-year median of 0.29)
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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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