Mikrofin osiguranje a.d (XBLB:MKOS-R-A) Retained Earnings: BAM3.15 Mil (As of Dec. 2025)

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XBLB:MKOS-R-A Mikrofin osiguranje a.d XBLB:MKOS-R-A
100 GF Score
Price BAM100.00
GF Value BAM162.24
! 1 Warning Sign
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What is Mikrofin osiguranje a.d Retained Earnings?

Mikrofin osiguranje a.d XBLB:MKOS-R-A 100 Retained Earnings is BAM3.15 Mil as of Dec. 2025. GuruFocus rates XBLB:MKOS-R-A with a GF Score™ of 100/100 and a GF Value™ of BAM162.24. The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Mikrofin osiguranje a.d's retained earnings for the quarter that ended in Dec. 2025 was BAM3.15 Mil.

Mikrofin osiguranje a.d's quarterly retained earnings increased from Dec. 2023 (BAM2.15 Mil) to Dec. 2024 (BAM2.88 Mil) and increased from Dec. 2024 (BAM2.88 Mil) to Dec. 2025 (BAM3.15 Mil).

Mikrofin osiguranje a.d's annual retained earnings increased from Dec. 2023 (BAM2.15 Mil) to Dec. 2024 (BAM2.88 Mil) and increased from Dec. 2024 (BAM2.88 Mil) to Dec. 2025 (BAM3.15 Mil).


Mikrofin osiguranje a.d  (XBLB:MKOS-R-A) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Mikrofin osiguranje a.d Retained Earnings Historical Data

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The historical data trend for Mikrofin osiguranje a.d's Retained Earnings 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.

Mikrofin osiguranje a.d Retained Earnings Chart

Mikrofin osiguranje a.d Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.06 2.45 2.15 2.88 3.15

Mikrofin osiguranje a.d Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings 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 3.06 2.45 2.15 2.88 3.15
XBLB:MKOS-R-A
100GF Score
Mikrofin osiguranje a.d XBLB:MKOS-R-A
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Mikrofin osiguranje a.d Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of BAM3.15 Mil mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Retained Earnings of BAM3.15 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mikrofin osiguranje a.d and its competitors.
Is Mikrofin osiguranje a.d's Retained Earnings too high?
Mikrofin osiguranje a.d's current Retained Earnings is BAM3.15 Mil. 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 Retained Earnings compare to CB and PGR?
Mikrofin osiguranje a.d's Retained Earnings of BAM3.15 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Mikrofin osiguranje a.d and its competitors. Mikrofin osiguranje a.d's current Retained Earnings is BAM3.15 Mil. 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 Retained Earnings of BAM3.15 Mil. 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 Retained Earnings is BAM3.15 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Retained Earnings is BAM3.15 Mil 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:

  • Retained Earnings: BAM3.15 Mil
  • GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
  • GF Score™: 100/100 with 1 warning sign

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 Business Description

Address ul. Aleja Svetog Save 61, Banja Luka, BIH, 78000
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

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

BAM100.00
Price
BAM162.24
GF Value