Mikrofin osiguranje a.d (XBLB:MKOS-R-A) Net Change in Cash: BAM-0.67 Mil (TTM As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XBLB:MKOS-R-A Mikrofin osiguranje a.d XBLB:MKOS-R-A
100 GF Score
Price BAM100.00
GF Value BAM162.24
! 1 Warning Sign
View Full Analysis

What is Mikrofin osiguranje a.d Net Change in Cash?

Mikrofin osiguranje a.d XBLB:MKOS-R-A 100 Net Change in Cash is BAM-0.67 Mil as of Dec. 2025. GuruFocus rates XBLB:MKOS-R-A with a GF Score™ of 100/100 and a GF Value™ of BAM162.24. The stock has 1 warning sign investors should review.

Net Change in Cash is calculated as the total of Cash Flow from Operations , Cash Flow from Investing, Cash Flow from Financing, and Effect of Exchange Rate Changes.

Mikrofin osiguranje a.d's Net Change in Cash for the six months ended in Dec. 2025 was BAM-0.67 Mil. Its Net Change in Cash for the trailing twelve months (TTM) ended in Dec. 2025 was BAM-0.67 Mil.

Mikrofin osiguranje a.d Net Change in Cash Historical Data

* Premium members only.

The historical data trend for Mikrofin osiguranje a.d's Net Change in Cash 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.

Mikrofin osiguranje a.d Net Change in Cash Chart

Mikrofin osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Change in Cash
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.35 -0.11 -1.15 1.14 -0.67

Mikrofin osiguranje a.d Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Change in Cash Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.35 -0.11 -1.15 1.14 -0.67
XBLB:MKOS-R-A
100GF Score
Mikrofin osiguranje a.d XBLB:MKOS-R-A
Net Change in Cash is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Mikrofin osiguranje a.d Net Change in Cash Calculation

Mikrofin osiguranje a.d's Net Change in Cash for the fiscal year that ended in Dec. 2025 is calculated as

Net Change in Cash= Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=2.138+-2.306+-0.5+0
=-0.67

Mikrofin osiguranje a.d's Net Change in Cash for the quarter that ended in Dec. 2025

Net Change in Cash=Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=2.138+-2.306+-0.5+0
=-0.67

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Net Change in Cash for the trailing twelve months (TTM) ended in Dec. 2025 was BAM-0.67 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.

Frequently Asked Questions Learn more about Net Change in Cash →
What does a Net Change in Cash of BAM-0.67 Mil mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Net Change in Cash of BAM-0.67 Mil as of Dec. 2025. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Mikrofin osiguranje a.d and its competitors.
Is Mikrofin osiguranje a.d's Net Change in Cash too high?
Mikrofin osiguranje a.d's current Net Change in Cash is BAM-0.67 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 Net Change in Cash compare to CB and PGR?
Mikrofin osiguranje a.d's Net Change in Cash of BAM-0.67 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 Net Change in Cash for an Insurance company?
A good Net Change in Cash depends on the Insurance industry context. However, Net Change in Cash 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 Net Change in Cash mean?
A high Net Change in Cash can signal that a stock is expensive relative to its fundamentals. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Mikrofin osiguranje a.d and its competitors. Mikrofin osiguranje a.d's current Net Change in Cash is BAM-0.67 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 Net Change in Cash of BAM-0.67 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 Net Change in Cash is BAM-0.67 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 Net Change in Cash calculated?
Net Change in Cash is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Net Change in Cash is BAM-0.67 Mil 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:

  • Net Change in Cash: BAM-0.67 Mil
  • GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
  • GF Score™: 100/100 with 1 warning sign

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 Business Description

Address ul. Aleja Svetog Save 61, Banja Luka, BIH, 78000
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

Net Change in Cash is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM100.00
Price
BAM162.24
GF Value