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

LJSE:POSR Statistics

Total Valuation

LJSE:POSR has a market cap or net worth of EUR 937.61 million. The enterprise value is 1.02 billion.

Market Cap	937.61M
Enterprise Value	1.02B

Important Dates

The next estimated earnings date is 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 10.62 and the forward PE ratio is 10.71.

PE Ratio	10.62
Forward PE	10.71
PS Ratio	1.08
PB Ratio	1.38
P/TBV Ratio	1.52
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.49
EV / Sales	1.17
EV / EBITDA	8.12
EV / EBIT	8.77
EV / FCF	n/a

Financial Position

The company has a current ratio of 2.36, with a Debt / Equity ratio of 0.20.

Current Ratio	2.36
Quick Ratio	1.24
Debt / Equity	0.20
Debt / EBITDA	1.11
Debt / FCF	n/a
Interest Coverage	24.66

Financial Efficiency

Return on equity (ROE) is 13.70% and return on invested capital (ROIC) is 9.43%.

Return on Equity (ROE)	13.70%
Return on Assets (ROA)	2.57%
Return on Invested Capital (ROIC)	9.43%
Return on Capital Employed (ROCE)	4.04%
Revenue Per Employee	306,181
Profits Per Employee	31,262
Employee Count	3,044
Asset Turnover	0.31
Inventory Turnover	n/a

Taxes

In the past 12 months, LJSE:POSR has paid 22.17 million in taxes.

Income Tax	22.17M
Effective Tax Rate	20.04%

Stock Price Statistics

The stock price has increased by +58.38% in the last 52 weeks. The beta is 0.71, so LJSE:POSR's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+58.38%
50-Day Moving Average	57.08
200-Day Moving Average	47.79
Relative Strength Index (RSI)	59.05
Average Volume (20 Days)	2,644

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 869.25 million and earned 88.75 million in profits. Earnings per share was 5.73.

Revenue	869.25M
Gross Profit	372.67M
Operating Income	114.45M
Pretax Income	110.68M
Net Income	88.75M
EBITDA	121.05M
EBIT	114.45M
Earnings Per Share (EPS)	5.73

Balance Sheet

The company has 56.06 million in cash and 137.92 million in debt, giving a net cash position of -81.87 million or -5.28 per share.

Cash & Cash Equivalents	56.06M
Total Debt	137.92M
Net Cash	-81.87M
Net Cash Per Share	-5.28
Equity (Book Value)	681.25M
Book Value Per Share	43.96
Working Capital	95.95M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 42.87%, with operating and profit margins of 13.17% and 10.21%.

Gross Margin	42.87%
Operating Margin	13.17%
Pretax Margin	12.73%
Profit Margin	10.21%
EBITDA Margin	13.93%
EBIT Margin	13.17%
FCF Margin	n/a

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	n/a
Buyback Yield	n/a
Shareholder Yield	3.66%
Earnings Yield	9.47%
FCF Yield	n/a

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	2