Zavarovalnica Triglav, d.d. (LJSE:ZVTG)
Slovenia · Delayed Price · Currency is EUR 66.40
-1.20 (-1.78%)
At close: Sep 22, 2026
LJSE:ZVTG Ratios and Metrics
Market cap in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 21, 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 |
| 1,508 | 1,344 | 920 | 789 | 784 | 835 | |
Market Cap Growth | 12.16% | 46.17% | 16.59% | 0.69% | -6.21% | 22.67% |
Enterprise Value | 1,618 | 1,433 | 912 | 769 | 727 | 798 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 21, 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 | 11.57 | 9.87 | 7.03 | 49.07 | - | 7.41 |
PS Ratio | 0.70 | 0.79 | 0.66 | 0.65 | 0.63 | 0.63 |
PB Ratio | 1.38 | 1.25 | 0.93 | 0.89 | 0.87 | 0.90 |
P/FCF Ratio | 7.16 | 4.64 | 6.90 | 127.15 | 12.55 | 6.53 |
P/OCF Ratio | 6.37 | 4.42 | 6.45 | 57.67 | 10.80 | 6.08 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 21, 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 |
EV/Sales Ratio | 0.75 | 0.84 | 0.66 | 0.63 | 0.59 | 0.60 |
EV/EBITDA Ratio | 7.49 | 6.83 | 5.59 | 10.70 | 36.72 | 5.14 |
EV/EBIT Ratio | 8.72 | 7.70 | 6.49 | 14.89 | - | 5.90 |
EV/FCF Ratio | 7.68 | 4.95 | 6.84 | 123.86 | 11.65 | 6.25 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 21, 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 |
Debt / Equity Ratio | 0.15 | 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 | 0.79 | 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 | 0.50 | 0.49 | 0.57 | -0.32 | -0.78 | -0.14 |
Net Debt / FCF Ratio | 0.49 | 0.36 | 0.70 | -3.67 | -0.25 | -0.17 |
Quick Ratio | 126.95 | 9.04 | 8.92 | 9.60 | 8.47 | 0.18 |
Current Ratio | 198.10 | 14.64 | 11.40 | 13.20 | 10.45 | 0.39 |
Asset Turnover | 0.42 | 0.34 | 0.32 | 0.31 | 0.30 | 0.31 |
Return on Equity (ROE) | 12.37% | 13.23% | 12.26% | 4.31% | -0.76% | 12.53% |
Return on Assets (ROA) | 2.23% | 2.33% | 2.03% | 0.82% | -0.05% | 1.99% |
Return on Invested Capital (ROIC) | 11.24% | 12.19% | 10.77% | 4.26% | -0.34% | 11.98% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 21, 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 |
Earnings Yield | 8.63% | 10.13% | 14.23% | 2.04% | -0.87% | 13.50% |
FCF Yield | 13.97% | 21.53% | 14.49% | 0.79% | 7.97% | 15.30% |
Dividend Yield | 4.22% | 5.30% | 7.62% | 5.83% | 8.99% | 13.71% |
Payout Ratio | 52.34% | 46.66% | 30.36% | 353.16% | - | 34.24% |
Buyback Yield / Dilution | 0.28% | 0.07% | -0.36% | 0.65% | -0.46% | 0.21% |
Total Shareholder Return | 4.49% | 5.37% | 7.26% | 6.49% | 8.53% | 13.91% |