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

LJSE:POSR Statistics

Total Valuation

LJSE:POSR has a market cap or net worth of EUR 953.11 million. The enterprise value is 1.02 billion.

Market Cap	953.11M
Enterprise Value	1.02B

Important Dates

The last earnings date was Friday, August 22, 2025.

Earnings Date	Aug 22, 2025
Ex-Dividend Date	Jun 9, 2025

Share Statistics

LJSE:POSR has 15.50 million shares outstanding.

Current Share Class	15.50M
Shares Outstanding	15.50M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.12%
Owned by Institutions (%)	20.10%
Float	6.76M

Valuation Ratios

The trailing PE ratio is 9.49 and the forward PE ratio is 10.88.

PE Ratio	9.49
Forward PE	10.88
PS Ratio	1.07
PB Ratio	1.40
P/TBV Ratio	1.55
P/FCF Ratio	5.44
P/OCF Ratio	5.25
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.21, with an EV/FCF ratio of 5.84.

EV / Earnings	10.13
EV / Sales	1.14
EV / EBITDA	7.21
EV / EBIT	7.76
EV / FCF	5.84

Financial Position

The company has a current ratio of 12.92, with a Debt / Equity ratio of 0.21.

Current Ratio	12.92
Quick Ratio	11.99
Debt / Equity	0.21
Debt / EBITDA	1.00
Debt / FCF	0.80
Interest Coverage	24.39

Financial Efficiency

Return on equity (ROE) is 15.74% and return on invested capital (ROIC) is 10.84%.

Return on Equity (ROE)	15.74%
Return on Assets (ROA)	2.89%
Return on Invested Capital (ROIC)	10.84%
Return on Capital Employed (ROCE)	4.53%
Revenue Per Employee	314,487
Profits Per Employee	35,533
Employee Count	3,044
Asset Turnover	0.32
Inventory Turnover	n/a

Taxes

In the past 12 months, LJSE:POSR has paid 25.39 million in taxes.

Income Tax	25.39M
Effective Tax Rate	20.15%

Stock Price Statistics

The stock price has increased by +59.33% in the last 52 weeks. The beta is 0.70, so LJSE:POSR's price volatility has been lower than the market average.

Beta (5Y)	0.70
52-Week Price Change	+59.33%
50-Day Moving Average	60.16
200-Day Moving Average	50.88
Relative Strength Index (RSI)	55.21
Average Volume (20 Days)	5,759

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, LJSE:POSR had revenue of EUR 892.83 million and earned 100.88 million in profits. Earnings per share was 6.51.

Revenue	892.83M
Gross Profit	392.91M
Operating Income	130.51M
Pretax Income	125.99M
Net Income	100.88M
EBITDA	137.69M
EBIT	130.51M
Earnings Per Share (EPS)	6.51

Balance Sheet

The company has 920.02 million in cash and 139.81 million in debt, giving a net cash position of -67.91 million or -4.38 per share.

Cash & Cash Equivalents	920.02M
Total Debt	139.81M
Net Cash	-67.91M
Net Cash Per Share	-4.38
Equity (Book Value)	679.26M
Book Value Per Share	43.77
Working Capital	948.55M

Cash Flow

In the last 12 months, operating cash flow was 181.71 million and capital expenditures -6.63 million, giving a free cash flow of 175.08 million.

Operating Cash Flow	181.71M
Capital Expenditures	-6.63M
Free Cash Flow	175.08M
FCF Per Share	11.30

Margins

Gross margin is 44.01%, with operating and profit margins of 14.62% and 11.30%.

Gross Margin	44.01%
Operating Margin	14.62%
Pretax Margin	14.11%
Profit Margin	11.30%
EBITDA Margin	15.42%
EBIT Margin	14.62%
FCF Margin	19.61%

Dividends & Yields

This stock pays an annual dividend of 2.25, which amounts to a dividend yield of 3.66%.

Dividend Per Share	2.25
Dividend Yield	3.66%
Dividend Growth (YoY)	28.57%
Years of Dividend Growth	3
Payout Ratio	61.50%
Buyback Yield	n/a
Shareholder Yield	3.66%
Earnings Yield	10.58%
FCF Yield	18.37%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5