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The historical rank and industry rank for Mikrofin osiguranje a.d's Net Margin % or its related term are showing as below:
XBLB:MKOS-R-A'
s Net Margin % Range Over the Past 10 Years
Min: 0.13 Med: 3.06 Max: 12.2
Current: 3.07
XBLB:MKOS-R-A's Net Margin % is not ranked
in the Insurance industry.
Industry Median: 9.15
vs XBLB:MKOS-R-A: 3.07
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Mikrofin osiguranje a.d Net Margin % Related Terms
Mikrofin osiguranje a.d Net Margin % 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: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Net Margin % distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Net Margin % falls into.
* 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 Net Margin % of 3.07% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Mikrofin osiguranje a.d and its competitors. This is near median its historical median of 3.06. Over the past decade, Mikrofin osiguranje a.d's Net Margin % has ranged from 0.13 to 12.20.
Is Mikrofin osiguranje a.d's Net Margin % too high?
Mikrofin osiguranje a.d's current Net Margin % of 3.07% is near median its 10-year median of 3.06. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 12.20. The Insurance industry median Net Margin % is 9.15. Mikrofin osiguranje a.d's value of 3.07% is 66.4% below 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 Net Margin % compare to CB and PGR?
Mikrofin osiguranje a.d's Net Margin % of 3.07% can be compared against companies in the Insurance industry. The industry median Net Margin % is 9.15. Mikrofin osiguranje a.d's value of 3.07% is 66.4% below this benchmark. Historically, Mikrofin osiguranje a.d's own Net Margin % has ranged from 0.13 to 12.20 over the past decade. While the company's 10-year median is 3.06 vs. the industry median of 9.15, Mikrofin osiguranje a.d has consistently been below 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.15, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current Net Margin % of 3.07% is 66.4% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median Net Margin % is 9.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Net Margin % is 3.07%, which is near median its own 10-year median of 3.06. 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 Margin % of 3.07%. 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 Margin % is 3.07%, which is near median its 10-year median of 3.06 and 66.4% below the Insurance industry median of 9.15. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Net Margin % is 3.07% 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 Margin %: 3.07% (near median its 10-year median of 3.06)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 66.4% below 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
Get the complete analysis for XBLB:MKOS-R-A
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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