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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	621.59	606.8	540.81	476.4	428.58	411.35
Total Interest & Dividend Income	49.65	50.35	38.78	43.94	43.61	51.76
Gain (Loss) on Sale of Investments	7.65	8.96	8.87	8.02	4.28	2.55
Other Revenue	43.7	42.19	36.52	28.42	23.77	31.89
Total Revenue	724.59	710.3	625.02	556.82	500.73	497.56
Revenue Growth (YoY)	12.75%	13.64%	12.25%	11.20%	0.64%	8.76%
Policy Benefits	362.28	353	315.68	285.93	234.2	254.49
Policy Acquisition & Underwriting Costs	64.36	64.21	53.82	-	-	87.78
Selling, General & Administrative	149.67	149.61	138.24	122.73	118.27	80.37
Other Operating Expenses	67.55	61.71	50.25	81.18	79.03	9.4
Total Operating Expenses	643.85	628.53	557.98	489.84	431.5	432.04
Operating Income	80.73	81.78	67.04	66.98	69.23	65.52
Interest Expense	-1.78	-1.87	-1.96	-1.82	-1.74	-1.8
Earnings From Equity Investments	1.5	1.48	1.43	1.78	1.4	1.48
Currency Exchange Gain (Loss)	-2.08	-3.87	1.52	-1.02	2.96	-1.87
Other Non Operating Income (Expenses)	-0.15	-0.15	-0.12	0.58	3.38	-5.53
EBT Excluding Unusual Items	78.22	77.37	67.91	66.5	75.22	57.8
Impairment of Goodwill	-1.73	-1.73	-	-	-	-
Gain (Loss) on Sale of Assets	1.59	0.42	-0.07	0.56	0.02	0.15
Asset Writedown	2.03	2.03	0.89	2.59	-6.16	-2.01
Legal Settlements	-0.61	-0.61	0.83	-0.54	0.39	1.26
Other Unusual Items	0.15	0.15	0.07	0.07	0.07	1.09
Pretax Income	79.65	77.63	69.62	69.17	69.54	58.29
Income Tax Expense	13.04	12.18	8.54	10.72	11.26	10.02
Earnings From Continuing Ops.	66.62	65.46	61.09	58.45	58.28	48.27
Minority Interest in Earnings	-0.09	-0.07	-0.06	-0.07	-0.08	-0.06
Net Income	66.53	65.39	61.03	58.38	58.2	48.21
Net Income to Common	66.53	65.39	61.03	58.38	58.2	48.21
Net Income Growth	6.94%	7.15%	4.53%	0.31%	20.71%	11.01%
Shares Outstanding (Basic)	0	0	0	0	0	0
Shares Outstanding (Diluted)	0	0	0	0	0	0
EPS (Basic)	158.04	155.34	144.97	138.69	138.26	114.54
EPS (Diluted)	158.04	155.34	144.97	138.69	138.26	114.54
EPS Growth	6.94%	7.15%	4.53%	0.31%	20.71%	11.01%
Free Cash Flow	120.38	125.16	145.99	-65.61	50.05	39.04
Free Cash Flow Per Share	285.98	297.32	346.82	-155.86	118.89	92.73
Dividend Per Share	-	-	106.520	267.640	-	-
Dividend Growth	-	-	-60.20%	-	-	-
Operating Margin	11.14%	11.51%	10.73%	12.03%	13.83%	13.17%
Profit Margin	9.18%	9.21%	9.76%	10.48%	11.62%	9.69%
Free Cash Flow Margin	16.61%	17.62%	23.36%	-11.78%	9.99%	7.85%
EBITDA	89.09	89.93	74.74	73.46	74.73	70.4
EBITDA Margin	12.30%	12.66%	11.96%	13.19%	14.92%	14.15%
D&A For EBITDA	8.36	8.15	7.7	6.48	5.51	4.88
EBIT	80.73	81.78	67.04	66.98	69.23	65.52
EBIT Margin	11.14%	11.51%	10.73%	12.03%	13.83%	13.17%
Effective Tax Rate	16.37%	15.68%	12.26%	15.50%	16.20%	17.19%
Revenue as Reported	-	-	-	-	-	509.66

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