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

LJSE:POSR Statistics

Total Valuation

LJSE:POSR has a market cap or net worth of EUR 1.04 billion. The enterprise value is 1.12 billion.

Market Cap	1.04B
Enterprise Value	1.12B

Important Dates

The last earnings date was Friday, November 21, 2025.

Earnings Date	Nov 21, 2025
Ex-Dividend Date	Jun 9, 2025

Share Statistics

LJSE:POSR has 15.50 million shares outstanding. The number of shares has increased by 0.14% in one year.

Current Share Class	15.50M
Shares Outstanding	15.50M
Shares Change (YoY)	+0.14%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.12%
Owned by Institutions (%)	20.06%
Float	6.76M

Valuation Ratios

The trailing PE ratio is 9.47 and the forward PE ratio is 9.64. LJSE:POSR's PEG ratio is 2.61.

PE Ratio	9.47
Forward PE	9.64
PS Ratio	1.13
PB Ratio	1.47
P/TBV Ratio	1.62
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	2.61

Enterprise Valuation

EV / Earnings	10.22
EV / Sales	1.22
EV / EBITDA	7.26
EV / EBIT	7.73
EV / FCF	n/a

Financial Position

The company has a current ratio of 2.23, with a Debt / Equity ratio of 0.20.

Current Ratio	2.23
Quick Ratio	1.20
Debt / Equity	0.20
Debt / EBITDA	0.91
Debt / FCF	n/a
Interest Coverage	23.86

Financial Efficiency

Return on equity (ROE) is 16.57% and return on invested capital (ROIC) is 11.59%.

Return on Equity (ROE)	16.57%
Return on Assets (ROA)	3.09%
Return on Invested Capital (ROIC)	11.59%
Return on Capital Employed (ROCE)	4.81%
Revenue Per Employee	324,135
Profits Per Employee	38,762
Employee Count	3,044
Asset Turnover	0.31
Inventory Turnover	n/a

Taxes

In the past 12 months, LJSE:POSR has paid 29.17 million in taxes.

Income Tax	29.17M
Effective Tax Rate	20.98%

Stock Price Statistics

The stock price has increased by +68.75% 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	+68.75%
50-Day Moving Average	68.10
200-Day Moving Average	58.46
Relative Strength Index (RSI)	44.23
Average Volume (20 Days)	1,114

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 920.22 million and earned 110.04 million in profits. Earnings per share was 7.10.

Revenue	920.22M
Gross Profit	406.53M
Operating Income	144.31M
Pretax Income	139.09M
Net Income	110.04M
EBITDA	150.97M
EBIT	144.31M
Earnings Per Share (EPS)	7.10

Balance Sheet

The company has 54.09 million in cash and 140.61 million in debt, giving a net cash position of -86.52 million or -5.58 per share.

Cash & Cash Equivalents	54.09M
Total Debt	140.61M
Net Cash	-86.52M
Net Cash Per Share	-5.58
Equity (Book Value)	707.27M
Book Value Per Share	45.64
Working Capital	91.39M

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 44.18%, with operating and profit margins of 15.68% and 11.96%.

Gross Margin	44.18%
Operating Margin	15.68%
Pretax Margin	15.12%
Profit Margin	11.96%
EBITDA Margin	16.41%
EBIT Margin	15.68%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 2.25, which amounts to a dividend yield of 3.33%.

Dividend Per Share	2.25
Dividend Yield	3.33%
Dividend Growth (YoY)	28.57%
Years of Dividend Growth	3
Payout Ratio	n/a
Buyback Yield	-0.14%
Shareholder Yield	3.19%
Earnings Yield	10.60%
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