Zavarovalnica Triglav, d.d. (LJSE:ZVTG)
Slovenia · Delayed Price · Currency is EUR 67.60
-0.20 (-0.29%)
At close: Sep 1, 2026
LJSE:ZVTG Financials Overview
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 2,147 | 1,705 | 1,388 | 1,217 | 1,238 | 1,337 |
Revenue Growth | 44.44% | 22.88% | 14.00% | -1.64% | -7.45% | 9.35% |
Operating Income Operating Income Growth | 182.51 | 186.1 | 140.44 | 51.6 | -3.27 | 135.32 |
Net Income Net Income Growth | 130.15 | 136.25 | 130.89 | 16.08 | -6.84 | 112.76 |
Earnings Per Share EPS Growth | 5.74 | 6.00 | 5.76 | 0.71 | -0.30 | 4.97 |
EPS Growth | -11.19% | 4.17% | 711.27% | - | - | 53.72% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Non-Life Non-Life Growth | 1,847 | 1,418 | 1,042 | 1,086 | 924.18 | 752.66 |
Life Life Growth | 118.55 | 112.98 | 109.2 | 88.71 | 85.61 | 353.2 |
Health Health Growth | 55.3 | 50.31 | 43.26 | 220.51 | 204.07 | 199.15 |
Asset Management Asset Management Growth | 9.02 | 2.79 | 3.37 | 3.96 | - | - |
DISCONTINUED DISCONTINUED Growth | - | - | 0.06 | -190.47 | - | - |
Total Total Growth | 2,028 | 1,584 | 1,198 | 1,209 | 1,238 | 1,347 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 61.81 | 64.88 | 68.95 | 84.42 | 76.07 | 82.32 |
Total Debt Total Debt Growth | 165.92 | 168.21 | 162.79 | 61.66 | 60.54 | 61.16 |
Net Cash (Debt) Net Cash Growth | -104.12 | -103.33 | -93.84 | 22.76 | 15.53 | 21.16 |
Net Cash Growth | - | - | - | 46.55% | -26.60% | -3.00% |
Net Cash Per Share Net Cash Per Share Growth | -4.59 | -4.55 | -4.13 | 1.01 | 0.68 | 0.93 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 236.91 | 304.22 | 142.69 | 13.68 | 72.55 | 137.36 |
Capital Expenditures CapEx Growth | -26.31 | -14.78 | -9.42 | -7.48 | -10.12 | -9.51 |
Free Cash Flow Free Cash Flow Growth | 210.59 | 289.44 | 133.26 | 6.2 | 62.42 | 127.85 |
Free Cash Flow Growth | 31.25% | 117.19% | 2047.84% | -90.06% | -51.17% | 21.24% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 8.50% | 10.91% | 10.12% | 4.24% | -0.26% | 10.12% |
Pretax Margin | 7.90% | 10.21% | 10.30% | 4.01% | -0.81% | 9.92% |
Profit Margin | 6.06% | 7.99% | 9.43% | 1.32% | -0.55% | 8.43% |
FCF Margin | 9.81% | 16.97% | 9.60% | 0.51% | 5.04% | 9.56% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 2.800 | 3.000 | 2.800 | 1.750 | 2.500 | 3.700 |
Dividend Per Share Growth | 7.14% | 7.14% | 60.00% | -30.00% | -32.43% | 117.65% |
Dividend Yield | 4.06% | 5.30% | 7.62% | 5.83% | 8.99% | 13.71% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 11.78 | 9.87 | 7.03 | 49.07 | - | 7.41 |
Forward PE | 10.17 | 9.25 | 10.49 | 10.49 | 10.49 | 10.49 |
P/FCF Ratio | 7.29 | 4.64 | 6.90 | 127.15 | 12.55 | 6.53 |
PS Ratio | 0.72 | 0.79 | 0.66 | 0.65 | 0.63 | 0.63 |