Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	554.64	540.81	476.4	428.58	411.35	394.66
Total Interest & Dividend Income	46.03	45.11	43.94	43.61	51.76	-
Gain (Loss) on Sale of Investments	3.85	2.55	8.02	4.28	2.55	5.46
Other Revenue	38.07	36.52	28.42	23.77	31.89	57.36
Total Revenue	642.62	625.02	556.82	500.73	497.56	457.48
Revenue Growth (YoY)	10.46%	12.25%	11.20%	0.64%	8.76%	-3.30%
Policy Benefits	335.33	315.68	285.93	234.2	254.49	256.52
Policy Acquisition & Underwriting Costs	2.35	-	-	-	87.78	76.52
Selling, General & Administrative	137.14	135.92	122.73	118.27	80.37	74.44
Other Operating Expenses	111.73	107.36	81.18	79.03	9.4	9.73
Total Operating Expenses	586.55	558.97	489.84	431.5	432.04	417.21
Operating Income	56.07	66.06	66.98	69.23	65.52	40.27
Interest Expense	-2.04	-1.96	-1.82	-1.74	-1.8	-1.61
Earnings From Equity Investments	1.43	1.43	1.78	1.4	1.48	1.37
Currency Exchange Gain (Loss)	0.01	1.52	-1.02	2.96	-1.87	5.03
Other Non Operating Income (Expenses)	13.23	0.86	0.58	3.38	-5.53	-6.39
EBT Excluding Unusual Items	68.7	67.91	66.5	75.22	57.8	38.68
Gain (Loss) on Sale of Assets	-0.07	-0.07	0.56	0.02	0.15	11.87
Asset Writedown	0.89	0.89	2.59	-6.16	-2.01	-0.2
Legal Settlements	0.83	0.83	-0.54	0.39	1.26	0.21
Other Unusual Items	0.07	0.07	0.07	0.07	1.09	1.31
Pretax Income	70.41	69.62	69.17	69.54	58.29	51.87
Income Tax Expense	8.14	8.54	10.72	11.26	10.02	8.4
Earnings From Continuing Ops.	62.28	61.09	58.45	58.28	48.27	43.47
Minority Interest in Earnings	-0.07	-0.06	-0.07	-0.08	-0.06	-0.04
Net Income	62.21	61.03	58.38	58.2	48.21	43.43
Net Income to Common	62.21	61.03	58.38	58.2	48.21	43.43
Net Income Growth	6.53%	4.53%	0.31%	20.71%	11.01%	-4.77%
Shares Outstanding (Basic)	-	0	0	0	0	0
Shares Outstanding (Diluted)	-	0	0	0	0	0
EPS (Basic)	-	144.97	138.69	138.26	114.54	103.18
EPS (Diluted)	-	144.97	138.69	138.26	114.54	103.18
EPS Growth	-	4.53%	0.31%	20.71%	11.01%	-4.77%
Free Cash Flow	89.47	145.99	-65.61	50.05	39.04	37.42
Free Cash Flow Per Share	-	346.82	-155.86	118.89	92.73	88.89
Dividend Per Share	-	-	267.640	-	-	-
Operating Margin	8.72%	10.57%	12.03%	13.83%	13.17%	8.80%
Profit Margin	9.68%	9.76%	10.48%	11.62%	9.69%	9.49%
Free Cash Flow Margin	13.92%	23.36%	-11.78%	9.99%	7.85%	8.18%
EBITDA	63.93	73.76	73.46	74.73	70.4	45.7
EBITDA Margin	9.95%	11.80%	13.19%	14.92%	14.15%	9.99%
D&A For EBITDA	7.86	7.7	6.48	5.51	4.88	5.44
EBIT	56.07	66.06	66.98	69.23	65.52	40.27
EBIT Margin	8.72%	10.57%	12.03%	13.83%	13.17%	8.80%
Effective Tax Rate	11.56%	12.26%	15.50%	16.20%	17.19%	16.19%
Revenue as Reported	-	-	-	-	509.66	489.35

Updated Feb 24, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.