Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Financials Overview

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

Revenue & Profits

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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
Revenue Revenue Growth	724.59	710.3	625.02	556.82	500.73	497.56
Revenue Growth	12.75%	13.64%	12.25%	11.20%	0.64%	8.76%
Operating Income Operating Income Growth	80.73	81.78	67.04	66.98	69.23	65.52
Net Income Net Income Growth	66.53	65.39	61.03	58.38	58.2	48.21
Earnings Per Share EPS Growth	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%

Revenue by Segment

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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
Life Life Growth	12.97	21.87	24.08	27.1	26.2	89.11
Non-Life Non-Life Growth	718.21	693.86	603.35	534.58	479.66	420.55
Total Total Growth	731.19	715.73	627.42	561.68	505.86	509.66

Cash & Debt

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Fiscal Year	Current	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
Cash & Investments Cash & Investments Growth	14.41	152.96	85.7	66.82	143.1	106.08
Total Debt Total Debt Growth	51.66	48.35	48.34	47.92	53.67	54.85
Net Cash (Debt) Net Cash Growth	-37.25	104.6	37.37	18.9	89.42	51.23
Net Cash Growth	-	179.95%	97.70%	-78.86%	74.55%	8.77%
Net Cash Per Share Net Cash Per Share Growth	-88.48	248.49	88.76	44.90	212.43	121.70

Cash Flow & CapEx

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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
Operating Cash Flow Operating Cash Flow Growth	133.74	138.3	155.64	-55.81	57.07	43.61
Capital Expenditures CapEx Growth	-13.36	-13.15	-9.65	-9.8	-7.02	-4.58
Free Cash Flow Free Cash Flow Growth	120.38	125.16	145.99	-65.61	50.05	39.04
Free Cash Flow Growth	34.54%	-14.27%	-	-	28.21%	4.33%

Margins

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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
Operating Margin	11.14%	11.51%	10.73%	12.03%	13.83%	13.17%
Pretax Margin	10.99%	10.93%	11.14%	12.42%	13.89%	11.71%
Profit Margin	9.18%	9.21%	9.76%	10.48%	11.62%	9.69%
FCF Margin	16.61%	17.62%	23.36%	-11.78%	9.99%	7.85%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023
Period Ending	Jul 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Dividend Per Share Dividend Per Share Growth	106.520	-	106.520	267.640
Dividend Per Share Growth	3.68%	-	-60.20%	-
Dividend Yield	3.29%	-	7.07%	41.18%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	21.51	14.55	11.24	6.24	6.33	8.13
P/FCF Ratio	11.89	7.60	4.70	-	7.36	10.04
PS Ratio	1.98	1.34	1.10	0.65	0.74	0.79

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 23, 2026

Data Sources Report a data error