Pozavarovalnica Sava, d.d. (LJSE:POSR)

LJSE:POSR Financials Overview

Financials in millions EUR. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	972.09	940.73	847.72	733.08	627.2	830.66
Revenue Growth	8.88%	10.97%	15.64%	16.88%	-24.50%	21.41%
Operating Income Operating Income Growth	146.22	149.16	111.83	79.98	60.61	98.89
Net Income Net Income Growth	111.85	113.91	87.66	64.46	46.7	76.07
Earnings Per Share EPS Growth	7.22	7.35	5.66	4.16	3.01	4.91
EPS Growth	10.87%	29.95%	35.98%	38.05%	-38.62%	35.31%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Non-Life, EU Non-Life, EU Growth	601.47	584.07	532.71	437	380.8	-
Non-Life, Non-EU Non-Life, Non-EU Growth	127.51	119.54	107.77	89.71	73.59	-
Life, EU Life, EU Growth	81.93	79.07	71.38	59.87	56.46	-
Life, Non-EU Life, Non-EU Growth	10.03	9.42	9.2	6.53	5.03	-
Reinsurance Business Reinsurance Business Growth	118.49	120.45	101.8	104.03	92.8	112.3
Pensions and Asset Management Pensions and Asset Management Growth	28.99	29.07	25.11	20.01	18.29	4.84
Other Other Growth	10.53	10.26	9.48	8.09	5.7	0.77
Total Total Growth	978.96	951.88	857.46	725.24	632.67	796.18

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	61.63	43.7	52.35	50.56	93.22	88.65
Total Debt Total Debt Growth	140.42	136.14	136.63	84.57	83.13	82.09
Net Cash (Debt) Net Cash Growth	-78.79	-92.45	-84.28	-34.01	10.09	6.56
Net Cash Growth	-	-	-	-	53.86%	1546.61%
Net Cash Per Share Net Cash Per Share Growth	-5.08	-5.97	-5.44	-2.19	0.65	0.42

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	177.16	166.69	154.48	98.34	62.65	120.99
Capital Expenditures CapEx Growth	-4.96	-1.45	-7.24	-4.89	-14.85	-11.22
Free Cash Flow Free Cash Flow Growth	172.2	165.23	147.24	93.46	47.8	109.77
Free Cash Flow Growth	-1.65%	12.22%	57.55%	95.52%	-56.45%	93.75%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	15.04%	15.86%	13.19%	10.91%	9.66%	11.91%
Pretax Margin	14.52%	15.30%	12.90%	10.81%	9.33%	11.26%
Profit Margin	11.51%	12.11%	10.34%	8.79%	7.45%	9.16%
FCF Margin	17.71%	17.56%	17.37%	12.75%	7.62%	13.21%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	2.750	2.750	2.250	1.750	1.600	1.500
Dividend Per Share Growth	22.22%	22.22%	28.57%	9.38%	6.67%	76.47%
Dividend Yield	3.09%	4.27%	6.05%	7.09%	8.63%	6.91%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	12.19	9.05	7.07	6.73	7.43	5.68
Forward PE	12.01	10.35	5.32	5.32	5.32	7.59
P/FCF Ratio	7.92	6.24	4.21	4.64	7.26	3.94
PS Ratio	1.40	1.10	0.73	0.59	0.55	0.52

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 1, 2026

Data Sources Report a data error