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The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Mikrofin osiguranje a.d Pretax Margin % Related Terms
Mikrofin osiguranje a.d Pretax 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: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Pretax 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 Pretax Margin % of 4.46% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Mikrofin osiguranje a.d and its competitors. This is near median its historical median of 4.55. Over the past decade, Mikrofin osiguranje a.d's Pretax Margin % has ranged from 1.68 to 14.97.
Is Mikrofin osiguranje a.d's Pretax Margin % too high?
Mikrofin osiguranje a.d's current Pretax Margin % of 4.46% is near median its 10-year median of 4.55. Over the past 10 years, this metric has ranged from a low of 1.68 to a high of 14.97. The Insurance industry median Pretax Margin % is 11.88. Mikrofin osiguranje a.d's value of 4.46% is 62.5% 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 Pretax Margin % compare to CB and PGR?
Mikrofin osiguranje a.d's Pretax Margin % of 4.46% can be compared against companies in the Insurance industry. The industry median Pretax Margin % is 11.88. Mikrofin osiguranje a.d's value of 4.46% is 62.5% below this benchmark. Historically, Mikrofin osiguranje a.d's own Pretax Margin % has ranged from 1.68 to 14.97 over the past decade. While the company's 10-year median is 4.55 vs. the industry median of 11.88, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 11.88, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current Pretax Margin % of 4.46% is 62.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median Pretax Margin % is 11.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Pretax Margin % is 4.46%, which is near median its own 10-year median of 4.55. 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 Pretax Margin % of 4.46%. 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 Pretax Margin % is 4.46%, which is near median its 10-year median of 4.55 and 62.5% below the Insurance industry median of 11.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Pretax Margin % is 4.46% 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:
Pretax Margin %: 4.46% (near median its 10-year median of 4.55)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 62.5% 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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