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