Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Balance Sheet

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

Assets

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
Investments in Debt Securities	880.03	784.48	846.16	919.72	875.17	922.2
Investments in Equity & Preferred Securities	402.55	324.84	201.57	148.94	112.41	125.8
Policy Loans	-	-	-	-	-	3.68
Other Investments	107.42	75.01	77.49	72.55	116.12	124.98
Total Investments	1,725	1,493	1,382	1,425	1,280	1,403
Cash & Equivalents	17.66	152.96	85.7	66.82	143.1	106.08
Reinsurance Recoverable	69.29	86.85	73.57	74.02	51.9	84.32
Other Receivables	47.74	59.08	75.15	33.36	36.14	91.16
Deferred Policy Acquisition Cost	-	-	-	-	-	31.53
Separate Account Assets	-	-	-	17	22.92	-
Property, Plant & Equipment	133.46	131.47	125.4	120.49	110.67	108.42
Goodwill	2.24	2.25	3.47	-	-	-
Other Intangible Assets	24.75	23.44	21.06	19.39	17.78	19.21
Other Current Assets	0.66	10.16	9.06	9.53	14.84	8.75
Long-Term Deferred Tax Assets	8.09	1.53	1.42	0.91	0.35	0.15
Other Long-Term Assets	65.09	-	-	-	-	-
Total Assets	2,094	1,961	1,776	1,767	1,677	1,853

Liabilities

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
Accounts Payable	-	11.9	7.06	7.27	9.59	8.91
Accrued Expenses	24.73	38.01	36.02	26.39	24.58	26.83
Insurance & Annuity Liabilities	301.61	910.08	864.14	867	829	431.59
Unpaid Claims	436.87	3.95	4.3	4.17	2.44	396.6
Unearned Premiums	184.55	1.21	1.91	2.24	1.37	201.18
Reinsurance Payable	4.89	5.1	6.64	4.03	2.16	15.47
Current Portion of Leases	-	4.81	4.39	-	-	3.25
Short-Term Debt	-	-	-	-	10.01	10.18
Current Income Taxes Payable	12.73	4.23	1.54	12.07	2.06	5.11
Long-Term Debt	2.91	3.18	3.04	1.71	1.84	1.98
Long-Term Leases	48.31	40.36	40.91	46.22	41.82	39.44
Long-Term Deferred Tax Liabilities	64.99	46.27	27.5	15.2	25.54	14.9
Separate Account Liability	-	-	-	-	-	50.09
Other Current Liabilities	1.53	0.02	0.82	0.09	0.08	0.99
Other Long-Term Liabilities	59.47	18.61	16.24	13.09	11.65	11.43
Total Liabilities	1,150	1,090	1,017	1,002	964.21	1,240

Shareholders' Equity

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
Common Stock	78.3	78.3	78.3	78.3	78.22	78.42
Additional Paid-In Capital	90.45	90.45	90.45	90.45	90.45	90.68
Retained Earnings	500.52	481.77	452.06	504.24	442.5	350.47
Comprehensive Income & Other	273.3	219.75	138.15	91.43	100.69	92.67
Total Common Equity	942.57	870.26	758.96	764.41	711.86	612.23
Minority Interest	0.54	0.51	0.48	0.75	1.37	1.35
Shareholders' Equity	943.1	870.77	759.44	765.16	713.23	613.58
Total Liabilities & Equity	2,094	1,961	1,776	1,767	1,677	1,853

Additional Metrics

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
Filing Date Shares Outstanding	0.42	0.42	0.42	0.42	0.42	0.42
Total Common Shares Outstanding	0.42	0.42	0.42	0.42	0.42	0.42
Total Debt	51.21	48.35	48.34	47.92	53.67	54.85
Net Cash (Debt)	-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	-79.71	248.49	88.76	44.90	212.43	121.70
Book Value Per Share	2239.16	2067.39	1802.97	1815.93	1691.08	1454.41
Tangible Book Value	915.57	844.57	734.43	745.02	694.07	593.02
Tangible Book Value Per Share	2175.03	2006.36	1744.70	1769.87	1648.83	1408.78
Land	-	8.91	7.52	7.97	7.84	7.47
Buildings	-	75.84	75.35	77.84	75.04	72.23
Machinery	-	83.56	76.04	57.95	50.75	46.81
Construction In Progress	-	1.48	0.64	0.43	1.99	1.07

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

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