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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Mikrofin osiguranje a.d's annualized net income for the quarter that ended in Dec. 2025 was BAM0.80 Mil. Mikrofin osiguranje a.d's average shareholder tangible equity for the quarter that ended in Dec. 2025 was BAM10.81 Mil. Therefore, Mikrofin osiguranje a.d's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 7.40%.
The historical rank and industry rank for Mikrofin osiguranje a.d's Return-on-Tangible-Equity or its related term are showing as below:
XBLB:MKOS-R-A'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.25 Med: 7.27 Max: 15.04
Current: 7.4
During the past 13 years, Mikrofin osiguranje a.d's highest Return-on-Tangible-Equity was 15.04%. The lowest was 0.25%. And the median was 7.27%.
XBLB:MKOS-R-A's Return-on-Tangible-Equity is not ranked
in the Insurance industry.
Industry Median: 13.32
vs XBLB:MKOS-R-A: 7.40
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Mikrofin osiguranje a.d Return-on-Tangible-Equity Related Terms
Mikrofin osiguranje a.d Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Mikrofin osiguranje a.d's Return-on-Tangible-Equity 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: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Mikrofin osiguranje a.d's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Mikrofin osiguranje a.d's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Mikrofin osiguranje a.d's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 7.40% mean?
Mikrofin osiguranje a.d (XBLB:MKOS-R-A) has a Return-on-Tangible-Equity of 7.40% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mikrofin osiguranje a.d and its competitors. This is near median its historical median of 7.27. Over the past decade, Mikrofin osiguranje a.d's Return-on-Tangible-Equity has ranged from 0.25 to 15.04.
Is Mikrofin osiguranje a.d's Return-on-Tangible-Equity too high?
Mikrofin osiguranje a.d's current Return-on-Tangible-Equity of 7.40% is near median its 10-year median of 7.27. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 15.04. The Insurance industry median Return-on-Tangible-Equity is 13.32. Mikrofin osiguranje a.d's value of 7.40% is 44.4% 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 Return-on-Tangible-Equity compare to CB and PGR?
Mikrofin osiguranje a.d's Return-on-Tangible-Equity of 7.40% can be compared against companies in the Insurance industry. The industry median Return-on-Tangible-Equity is 13.32. Mikrofin osiguranje a.d's value of 7.40% is 44.4% below this benchmark. Historically, Mikrofin osiguranje a.d's own Return-on-Tangible-Equity has ranged from 0.25 to 15.04 over the past decade. While the company's 10-year median is 7.27 vs. the industry median of 13.32, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.32, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mikrofin osiguranje a.d's current Return-on-Tangible-Equity of 7.40% is 44.4% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Mikrofin osiguranje a.d and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mikrofin osiguranje a.d's current Return-on-Tangible-Equity is 7.40%, which is near median its own 10-year median of 7.27. 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 Return-on-Tangible-Equity of 7.40%. 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 Return-on-Tangible-Equity is 7.40%, which is near median its 10-year median of 7.27 and 44.4% below the Insurance industry median of 13.32. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Mikrofin osiguranje a.d (XBLB:MKOS-R-A), the current Return-on-Tangible-Equity is 7.40% 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:
Return-on-Tangible-Equity: 7.40% (near median its 10-year median of 7.27)
GF Value™: BAM162.24 vs. price of BAM100.00 (38.4% below fair value)
Industry Position: 44.4% 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
Get the complete analysis for XBLB:MKOS-R-A
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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