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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	753.39	710.3	625.02	556.82	500.73	497.56
Revenue Growth	9.08%	13.64%	12.25%	11.20%	0.64%	8.76%
Operating Income Operating Income Growth	83.31	81.78	67.04	66.98	69.23	65.52
Net Income Net Income Growth	72.28	65.39	61.03	58.38	58.2	48.21
Earnings Per Share EPS Growth	171.71	155.34	144.97	138.69	138.26	114.54
EPS Growth	-0.42%	7.15%	4.53%	0.31%	20.71%	11.01%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Non-Life Non-Life Growth	693.86	603.35	534.58	479.66	420.55
Life Life Growth	21.87	24.08	27.1	26.2	89.11
Total Total Growth	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	17.66	152.96	85.7	66.82	143.1	106.08
Total Debt Total Debt Growth	51.21	48.35	48.34	47.92	53.67	54.85
Net Cash (Debt) Net Cash Growth	-33.55	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	-79.71	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	134.86	138.3	155.64	-55.81	57.07	43.61
Capital Expenditures CapEx Growth	-10.01	-13.15	-9.65	-9.8	-7.02	-4.58
Free Cash Flow Free Cash Flow Growth	124.85	125.16	145.99	-65.61	50.05	39.04
Free Cash Flow Growth	40.05%	-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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	11.06%	11.51%	10.73%	12.03%	13.83%	13.17%
Pretax Margin	11.31%	10.93%	11.14%	12.42%	13.89%	11.71%
Profit Margin	9.59%	9.21%	9.76%	10.48%	11.62%	9.69%
FCF Margin	16.57%	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	Nov 5, 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	7.15%	-	-60.20%	-
Dividend Yield	3.37%	-	6.54%	30.94%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov 5, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	18.40	14.55	11.24	6.24	6.33	8.13
P/FCF Ratio	10.65	7.60	4.70	-	7.36	10.04
PS Ratio	1.77	1.34	1.10	0.65	0.74	0.79

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 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:

Nov 4, 2026

Data Sources Report a data error