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As of today (2026-09-16), Mikrofin osiguranje a.d's share price is BAM100.00.
Mikrofin osiguranje a.d's Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Dec. 2025 was BAM30.54. Hence, Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow Ratio for today is 3.27.
The historical rank and industry rank for Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow or its related term are showing as below:
XBLB:MKOS-R-A'
s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.24 Med: 3.27 Max: 7.71
Current: 3.27
During the past 13 years, Mikrofin osiguranje a.d's highest Price-to-Operating-Cash-Flow Ratio was 7.71. The lowest was 2.24. And the median was 3.27.
XBLB:MKOS-R-A's Price-to-Operating-Cash-Flow is not ranked
in the Insurance industry.
Industry Median: 8.82
vs XBLB:MKOS-R-A: 3.27
Mikrofin osiguranje a.d's Cash Flow from Operations per share for the
six
months ended in Dec. 2025 was BAM30.54.
Its Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Dec. 2025 was BAM30.54.
During the past 12 months, the average Operating Cash Flow per Share Growth Rate of Mikrofin osiguranje a.d was -31.50% per year.
During the past 3 years, the average Operating Cash Flow per Share Growth Rate was 17.90% per year.
During the past 5 years, the average Operating Cash Flow per Share Growth Rate was 17.20% per year.
During the past 10 years, the average Operating Cash Flow per Share Growth Rate was 3.40% per year.
During the past 13 years, Mikrofin osiguranje a.d's highest 3-Year average Operating Cash Flow per Share Growth Rate was 50.80% per year. The lowest was -20.00% per year. And the median was 7.15% per year.
Mikrofin osiguranje a.d Price-to-Operating-Cash-Flow Related Terms
Mikrofin osiguranje a.d Price-to-Operating-Cash-Flow Historical Data
* Premium members only.
The historical data trend for Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow 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.
XBLB:MKOS-R-A vs CB, PGR, TRV: Price-to-Operating-Cash-Flow Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow, along with its competitors' market caps and Price-to-Operating-Cash-Flow 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 Price-to-Operating-Cash-Flow vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow falls into.
Mikrofin osiguranje a.d's Share Price of today is BAM100.00.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Mikrofin osiguranje a.d's Cash Flow from Operations per share for the trailing twelve months (TTM) ended in Dec. 2025 was BAM30.54.
* 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.
What does a Price-to-Operating-Cash-Flow of 3.27 mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Price-to-Operating-Cash-Flow of 3.27 as of Sep. 16, 2026. Price-to-operating-cash-flow ratio is the ratio of share price to a company's per-share cash from operations. View historical data on Mikrofin osiguranje a.d and its competitors. This is near median its historical median of 3.27. Over the past decade, Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow has ranged from 2.24 to 7.71.
Is Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow too high?
Mikrofin osiguranje a.d's current Price-to-Operating-Cash-Flow of 3.27 is near median its 10-year median of 3.27. Over the past 10 years, this metric has ranged from a low of 2.24 to a high of 7.71. The Insurance industry median Price-to-Operating-Cash-Flow is 8.82. Mikrofin osiguranje a.d's value of 3.27 is 62.9% 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 Price-to-Operating-Cash-Flow compare to CB and PGR?
Mikrofin osiguranje a.d's Price-to-Operating-Cash-Flow of 3.27 can be compared against companies in the Insurance industry. The industry median Price-to-Operating-Cash-Flow is 8.82. Mikrofin osiguranje a.d's value of 3.27 is 62.9% below this benchmark. Historically, Mikrofin osiguranje a.d's own Price-to-Operating-Cash-Flow has ranged from 2.24 to 7.71 over the past decade. While the company's 10-year median is 3.27 vs. the industry median of 8.82, 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 Price-to-Operating-Cash-Flow for an Insurance company?
The median Price-to-Operating-Cash-Flow among Insurance companies is 8.82, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current Price-to-Operating-Cash-Flow of 3.27 is 62.9% 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 Price-to-Operating-Cash-Flow mean?
A high Price-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Price-to-operating-cash-flow ratio is the ratio of share price to a company's per-share cash from operations. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median Price-to-Operating-Cash-Flow is 8.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Price-to-Operating-Cash-Flow is 3.27, which is near median its own 10-year median of 3.27. 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 Price-to-Operating-Cash-Flow of 3.27. 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 Price-to-Operating-Cash-Flow is 3.27, which is near median its 10-year median of 3.27 and 62.9% below the Insurance industry median of 8.82. 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 Price-to-Operating-Cash-Flow calculated?
Price-to-Operating-Cash-Flow is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Price-to-Operating-Cash-Flow is 3.27 as of Sep. 16, 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 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:
Price-to-Operating-Cash-Flow: 3.27 (near median its 10-year median of 3.27)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 62.9% 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
Price-to-Operating-Cash-Flow is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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