Krajina osiguranje a.d (XBLB:KROS-R-A) OCF Margin %: 2.73% (As of Mar. 2026)

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:KROS-R-A Krajina osiguranje a.d XBLB:KROS-R-A
24 GF Score
Price BAM0.41
GF Value BAM0.44
! 1 Warning Sign
View Full Analysis

What is Krajina osiguranje a.d OCF Margin %?

Krajina osiguranje a.d XBLB:KROS-R-A 24 OCF Margin % is 2.73% as of Mar. 2026. GuruFocus rates XBLB:KROS-R-A with a GF Score™ of 24/100 and a GF Value™ of BAM0.44. The stock has 1 warning sign investors should review.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Krajina osiguranje a.d's Cash Flow from Operations for the three months ended in Mar. 2026 was BAM0.13 Mil. Krajina osiguranje a.d's Revenue for the three months ended in Mar. 2026 was BAM4.58 Mil. Therefore, Krajina osiguranje a.d's OCF Margin % for the quarter that ended in Mar. 2026 was 2.73%.

As of today, Krajina osiguranje a.d's current OCF Yield % is 1.47%.

The historical rank and industry rank for Krajina osiguranje a.d's OCF Margin % or its related term are showing as below:

XBLB:KROS-R-A' s OCF Margin % Range Over the Past 10 Years
Min: -37.75   Med: -0.96   Max: 15.5
Current: 0.71

During the past 13 years, the highest OCF Margin % of Krajina osiguranje a.d was 15.50%. The lowest was -37.75%. And the median was -0.96%.

XBLB:KROS-R-A's OCF Margin % is not ranked
in the Insurance industry.
Industry Median: 10.855 vs XBLB:KROS-R-A: 0.71

Krajina osiguranje a.d OCF Margin % Related Terms

Krajina osiguranje a.d OCF Margin % Historical Data

* Premium members only.

The historical data trend for Krajina osiguranje a.d's OCF Margin % 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.

Krajina osiguranje a.d OCF Margin % Chart

Krajina osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -17.34 2.50 7.25 -2.65 15.50

Krajina osiguranje a.d Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % 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 Premium Member Only Premium Member Only Premium Member Only 71.59 -19.42 15.56 3.24 2.73

Krajina osiguranje a.d OCF Margin % Competitor Comparison

For the Insurance - Diversified subindustry, Krajina osiguranje a.d's OCF Margin %, along with its competitors' market caps and OCF 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.

Krajina osiguranje a.d OCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Krajina osiguranje a.d's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Krajina osiguranje a.d's OCF Margin % falls into.


XBLB:KROS-R-A
24GF Score
Krajina osiguranje a.d XBLB:KROS-R-A
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Krajina osiguranje a.d OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Krajina osiguranje a.d's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=2.593/16.727
=15.50 %

Krajina osiguranje a.d's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=0.125/4.58
=2.73 %

* 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 OCF Margin % →
What does a OCF Margin % of 2.73% mean?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a OCF Margin % of 2.73% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Krajina osiguranje a.d and its competitors.
Is Krajina osiguranje a.d's OCF Margin % too high?
Krajina osiguranje a.d's current OCF Margin % is 2.73%. The Insurance industry median OCF Margin % is 10.86. Krajina osiguranje a.d's value of 2.73% is 74.9% below this industry median. Overall, Krajina osiguranje a.d has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does Krajina osiguranje a.d's OCF Margin % compare to competitors?
Krajina osiguranje a.d's OCF Margin % of 2.73% can be compared against companies in the Insurance industry. The industry median OCF Margin % is 10.86. Krajina osiguranje a.d's value of 2.73% is 74.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Krajina osiguranje a.d's current OCF Margin % of 2.73% is 74.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Krajina osiguranje a.d and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Krajina osiguranje a.d's current OCF Margin % is 2.73%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krajina osiguranje a.d stock overvalued right now?
Krajina osiguranje a.d (XBLB:KROS-R-A) has a current OCF Margin % of 2.73%. The stock's GF Value™ is BAM0.44, compared to a current price of BAM0.41 — trading 5.9% below its estimated fair value. The current OCF Margin % is 2.73% and 74.9% below the Insurance industry median of 10.86. Krajina osiguranje a.d's overall GF Score™ is 24/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Krajina osiguranje a.d (XBLB:KROS-R-A), the current OCF Margin % is 2.73% as of Mar. 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 Krajina osiguranje a.d (XBLB:KROS-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Krajina osiguranje a.d stock appears to be undervalued. The current stock price of BAM0.41 is trading 5.9% below its estimated GF Value™ of BAM0.44.

Key valuation signals for XBLB:KROS-R-A:

  • OCF Margin %: 2.73%
  • GF Value™: BAM0.44 vs. price of BAM0.41 (5.9% below fair value)
  • GF Score™: 24/100 with 1 warning sign
  • Industry Position: 74.9% below the Insurance median

No single metric tells the full story. See the XBLB:KROS-R-A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Krajina osiguranje a.d Business Description

Address Brace Pantic 2, Banja Luka, BIH, 78000
Krajina osiguranje a.d operates as an insurance company in Bosnia and Herzegovina. The company offers different types of insurance, such as property insurance, traffic, and face insurance.
24GF Score

Get the complete analysis for XBLB:KROS-R-A

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM0.41
Price
BAM0.44
GF Value