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* 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: OCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin 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.
Mikrofin osiguranje a.d OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's OCF 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 OCF Margin % of 8.21% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Mikrofin osiguranje a.d and its competitors. This is 30% below median its historical median of 11.69. Over the past decade, Mikrofin osiguranje a.d's OCF Margin % has ranged from 6.27 to 20.96.
Is Mikrofin osiguranje a.d's OCF Margin % too high?
Mikrofin osiguranje a.d's current OCF Margin % of 8.21% is 30% below median its 10-year median of 11.69. Over the past 10 years, this metric has ranged from a low of 6.27 to a high of 20.96. The Insurance industry median OCF Margin % is 10.86. Mikrofin osiguranje a.d's value of 8.21% is 24.4% 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 OCF Margin % compare to CB and PGR?
Mikrofin osiguranje a.d's OCF Margin % of 8.21% can be compared against companies in the Insurance industry. The industry median OCF Margin % is 10.86. Mikrofin osiguranje a.d's value of 8.21% is 24.4% below this benchmark. Historically, Mikrofin osiguranje a.d's own OCF Margin % has ranged from 6.27 to 20.96 over the past decade. While the company's 10-year median is 11.69 vs. the industry median of 10.86, 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 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. Mikrofin osiguranje a.d's current OCF Margin % of 8.21% is 24.4% 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 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 Mikrofin 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. Mikrofin osiguranje a.d's current OCF Margin % is 8.21%, which is 30% below median its own 10-year median of 11.69. 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 OCF Margin % of 8.21%. 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 OCF Margin % is 8.21%, which is 30% below median its 10-year median of 11.69 and 24.4% below the Insurance industry median of 10.86. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current OCF Margin % is 8.21% 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:
OCF Margin %: 8.21% (30% below median its 10-year median of 11.69)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 24.4% 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
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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