Zavarovalnica Triglav, d.d. (LJSE:ZVTG)

LJSE:ZVTG Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 18, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	1,531	1,344	920	789	784	835
Market Cap Growth	42.80%	46.17%	16.59%	0.69%	-6.21%	22.67%
Enterprise Value	1,639	1,433	912	769	727	798
PE Ratio	11.23	9.87	7.03	49.07	-	7.41
PS Ratio	0.90	0.79	0.66	0.65	0.63	0.63
PB Ratio	1.42	1.25	0.93	0.89	0.87	0.90
P/FCF Ratio	5.29	4.64	6.90	127.15	12.55	6.53
P/OCF Ratio	5.03	4.42	6.45	57.67	10.80	6.08
EV/Sales Ratio	0.96	0.84	0.66	0.63	0.59	0.60
EV/EBITDA Ratio	7.47	6.83	5.59	10.70	36.72	5.14
EV/EBIT Ratio	8.59	7.70	6.49	14.89	-	5.90
EV/FCF Ratio	5.66	4.95	6.84	123.86	11.65	6.25
Debt / Equity Ratio	0.16	0.16	0.17	0.07	0.07	0.07
Debt / EBITDA Ratio	0.78	0.78	0.97	0.80	2.60	0.38
Debt / FCF Ratio	0.58	0.58	1.22	9.94	0.97	0.48
Net Debt / Equity Ratio	0.10	0.10	0.10	-0.03	-0.02	-0.02
Net Debt / EBITDA Ratio	0.49	0.49	0.57	-0.32	-0.78	-0.14
Net Debt / FCF Ratio	0.36	0.36	0.70	-3.67	-0.25	-0.17
Quick Ratio	9.04	9.04	8.92	9.60	8.47	0.18
Current Ratio	14.64	14.64	11.40	13.20	10.45	0.39
Asset Turnover	0.34	0.34	0.32	0.31	0.30	0.31
Return on Equity (ROE)	13.23%	13.23%	12.26%	4.31%	-0.76%	12.53%
Return on Assets (ROA)	2.33%	2.33%	2.03%	0.82%	-0.05%	1.99%
Return on Invested Capital (ROIC)	12.01%	12.19%	10.77%	4.26%	-0.34%	11.98%
Earnings Yield	8.90%	10.13%	14.23%	2.04%	-0.87%	13.50%
FCF Yield	18.91%	21.53%	14.49%	0.79%	7.97%	15.30%
Dividend Yield	4.17%	5.07%	7.28%	5.58%	8.59%	13.10%
Payout Ratio	46.66%	46.66%	30.36%	353.16%	-	34.24%
Buyback Yield / Dilution	0.07%	0.07%	-0.36%	0.65%	-0.46%	0.21%
Total Shareholder Return	4.23%	5.14%	6.92%	6.23%	8.13%	13.30%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.