Zavarovalnica Triglav, d.d. (LJSE:ZVTG)
Slovenia · Delayed Price · Currency is EUR 65.00
-0.40 (-0.61%)
At close: Jan 30, 2026
LJSE:ZVTG Income Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Premiums & Annuity Revenue | 1,451 | 1,298 | 1,158 | 1,207 | 1,120 | 1,067 |
Total Interest & Dividend Income | -70.59 | -66.29 | -31.83 | 113.58 | 114.36 | 50.84 |
Gain (Loss) on Sale of Investments | 106.79 | 106.79 | 51.6 | -120.42 | 9.14 | 31.25 |
Other Revenue | 49.36 | 49.36 | 39.69 | 37.9 | 93.98 | 74.2 |
| 1,536 | 1,388 | 1,217 | 1,238 | 1,337 | 1,223 | |
Revenue Growth (YoY) | 8.34% | 14.00% | -1.64% | -7.45% | 9.35% | -3.43% |
Policy Benefits | 1,160 | 997.3 | 1,107 | 1,032 | 836.98 | 793.11 |
Policy Acquisition & Underwriting Costs | 25.6 | - | - | - | 183.39 | 162 |
Selling, General & Administrative | 100.95 | 100.95 | 91.12 | 89.64 | 14.33 | 9.88 |
Other Operating Expenses | 8.14 | 8.14 | -1.05 | 14.56 | 167.31 | 162.45 |
Reinsurance Income or Expense | -81.93 | -140.93 | 31.61 | -104.45 | - | - |
Total Operating Expenses | 1,376 | 1,247 | 1,166 | 1,241 | 1,202 | 1,127 |
Operating Income | 159.94 | 140.44 | 51.6 | -3.27 | 135.32 | 95.6 |
Interest Expense | -5.26 | -5.26 | -2.19 | -2.05 | -2.68 | -2.86 |
Earnings From Equity Investments | 6.94 | 6.94 | 2.24 | 1.84 | -0.15 | -0.14 |
Currency Exchange Gain (Loss) | 0.82 | 0.82 | -2.81 | - | - | - |
Other Non Operating Income (Expenses) | -1.08 | 0.02 | 2.51 | -6.55 | -0.05 | -0.07 |
EBT Excluding Unusual Items | 161.36 | 142.96 | 51.35 | -10.03 | 132.45 | 92.52 |
Gain (Loss) on Sale of Assets | - | - | - | - | 0.2 | 0.18 |
Asset Writedown | -0.07 | -0.07 | -2.52 | -0 | -0 | -1.79 |
Pretax Income | 161.29 | 142.89 | 48.84 | -10.03 | 132.64 | 90.9 |
Income Tax Expense | 33.92 | 27.62 | 10.3 | -3.05 | 19.68 | 17.24 |
Earnings From Continuing Ops. | 127.37 | 115.27 | 38.54 | -6.97 | 112.97 | 73.66 |
Earnings From Discontinued Ops. | 16.15 | 16.15 | -22.27 | - | - | - |
Net Income to Company | 143.52 | 131.42 | 16.27 | -6.97 | 112.97 | 73.66 |
Minority Interest in Earnings | -0.52 | -0.52 | -0.19 | 0.13 | -0.2 | -0.16 |
Net Income | 142.99 | 130.89 | 16.08 | -6.84 | 112.76 | 73.5 |
Net Income to Common | 142.99 | 130.89 | 16.08 | -6.84 | 112.76 | 73.5 |
Net Income Growth | 7.94% | 714.19% | - | - | 53.41% | -12.17% |
Shares Outstanding (Basic) | 23 | 23 | 23 | 23 | 23 | 23 |
Shares Outstanding (Diluted) | 23 | 23 | 23 | 23 | 23 | 23 |
Shares Change (YoY) | - | 0.36% | -0.65% | 0.46% | -0.21% | - |
EPS (Basic) | 6.30 | 5.76 | 0.71 | -0.30 | 4.97 | 3.23 |
EPS (Diluted) | 6.30 | 5.76 | 0.71 | -0.30 | 4.97 | 3.23 |
EPS Growth | - | 711.27% | - | - | 53.72% | -12.17% |
Free Cash Flow | - | 133.26 | 6.2 | 62.42 | 127.85 | 105.45 |
Free Cash Flow Per Share | - | 5.86 | 0.27 | 2.74 | 5.63 | 4.64 |
Dividend Per Share | - | 2.800 | 1.750 | 2.500 | 3.700 | 1.700 |
Dividend Growth | - | 60.00% | -30.00% | -32.43% | 117.65% | - |
Operating Margin | 10.41% | 10.12% | 4.24% | -0.26% | 10.12% | 7.82% |
Profit Margin | 9.31% | 9.43% | 1.32% | -0.55% | 8.43% | 6.01% |
Free Cash Flow Margin | - | 9.60% | 0.51% | 5.04% | 9.56% | 8.62% |
EBITDA | 188.51 | 163.05 | 71.84 | 19.8 | 155.29 | 111.12 |
EBITDA Margin | 12.27% | 11.75% | 5.90% | 1.60% | 11.61% | 9.09% |
D&A For EBITDA | 28.57 | 22.61 | 20.24 | 23.06 | 19.97 | 15.52 |
EBIT | 159.94 | 140.44 | 51.6 | -3.27 | 135.32 | 95.6 |
EBIT Margin | 10.41% | 10.12% | 4.24% | -0.26% | 10.12% | 7.82% |
Effective Tax Rate | 21.03% | 19.33% | 21.09% | - | 14.84% | 18.96% |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.