Croatia osiguranje d.d. Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Premiums & Annuity Revenue	557.44	540.81	476.4	428.58	411.35
Total Interest & Dividend Income	41.92	45.11	43.94	43.61	51.76
Gain (Loss) on Sale of Investments	8.9	2.55	8.02	4.28	2.55
Other Revenue	6.79	36.52	28.42	23.77	31.89
Total Revenue	615	625.02	556.82	500.73	497.56
Revenue Growth (YoY)	-1.60%	12.25%	11.20%	0.64%	8.76%
Policy Benefits	361.01	315.68	285.93	234.2	254.49
Policy Acquisition & Underwriting Costs	53.1	-	-	-	87.78
Selling, General & Administrative	66.77	135.92	122.73	118.27	80.37
Other Operating Expenses	65.14	107.36	81.18	79.03	9.4
Total Operating Expenses	546.03	558.97	489.84	431.5	432.04
Operating Income	68.97	66.06	66.98	69.23	65.52
Interest Expense	-1.45	-1.96	-1.82	-1.74	-1.8
Earnings From Equity Investments	-	1.43	1.78	1.4	1.48
Currency Exchange Gain (Loss)	-3.85	1.52	-1.02	2.96	-1.87
Other Non Operating Income (Expenses)	-	0.86	0.58	3.38	-5.53
EBT Excluding Unusual Items	63.67	67.91	66.5	75.22	57.8
Gain (Loss) on Sale of Assets	-	-0.07	0.56	0.02	0.15
Asset Writedown	-0.11	0.89	2.59	-6.16	-2.01
Legal Settlements	-	0.83	-0.54	0.39	1.26
Other Unusual Items	-	0.07	0.07	0.07	1.09
Pretax Income	63.56	69.62	69.17	69.54	58.29
Income Tax Expense	8.09	8.54	10.72	11.26	10.02
Earnings From Continuing Ops.	55.47	61.09	58.45	58.28	48.27
Minority Interest in Earnings	-	-0.06	-0.07	-0.08	-0.06
Net Income	55.47	61.03	58.38	58.2	48.21
Net Income to Common	55.47	61.03	58.38	58.2	48.21
Net Income Growth	-9.10%	4.53%	0.31%	20.71%	11.01%
Shares Outstanding (Basic)	0	0	0	0	0
Shares Outstanding (Diluted)	0	0	0	0	0
EPS (Basic)	131.78	144.97	138.69	138.26	114.54
EPS (Diluted)	131.78	144.97	138.69	138.26	114.54
EPS Growth	-9.10%	4.53%	0.31%	20.71%	11.01%
Free Cash Flow	170.41	145.99	-65.61	50.05	39.04
Free Cash Flow Per Share	404.82	346.82	-155.86	118.89	92.73
Dividend Per Share	-	106.520	267.640	-	-
Dividend Growth	-	-60.20%	-	-	-
Operating Margin	11.21%	10.57%	12.03%	13.83%	13.17%
Profit Margin	9.02%	9.76%	10.48%	11.62%	9.69%
Free Cash Flow Margin	27.71%	23.36%	-11.78%	9.99%	7.85%
EBITDA	77.93	73.76	73.46	74.73	70.4
EBITDA Margin	12.67%	11.80%	13.19%	14.92%	14.15%
D&A For EBITDA	8.96	7.7	6.48	5.51	4.88
EBIT	68.97	66.06	66.98	69.23	65.52
EBIT Margin	11.21%	10.57%	12.03%	13.83%	13.17%
Effective Tax Rate	12.73%	12.26%	15.50%	16.20%	17.19%
Revenue as Reported	-	-	-	-	509.66

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.