Croatia osiguranje d.d. (ZSE:CROS)
Croatia · Delayed Price · Currency is EUR 3,160.00
-20.00 (-0.63%)
At close: Nov 4, 2026
Croatia osiguranje d.d. Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Net Income | 72.28 | 65.39 | 61.03 | 58.38 | 58.2 | 48.21 |
Depreciation & Amortization | 13.8 | 12.63 | 11.9 | 10 | 8.84 | 7.81 |
Other Amortization | 3.85 | 3.85 | 4.14 | 4.04 | 3.47 | 3.43 |
Gain (Loss) on Sale of Assets | -0.11 | -0.42 | 0.06 | -0.56 | -0.02 | 1.84 |
Gain (Loss) on Sale of Investments | - | - | - | - | - | -0.13 |
Change in Accounts Receivable | 43.01 | 46.56 | -14.47 | -10.33 | -26.09 | -18.25 |
Reinsurance Recoverable | 4.7 | -16.24 | -1.39 | -8.47 | -7.54 | 18.51 |
Change in Accounts Payable | 7.35 | 7.35 | 10.15 | 3.29 | -1.2 | - |
Change in Income Taxes | 7.92 | -0.83 | -0.45 | -0.93 | 16.88 | -7.31 |
Change in Insurance Reserves / Liabilities | - | - | - | - | - | 2.23 |
Change in Other Net Operating Assets | 24.62 | 46.65 | 58.01 | 0.82 | -17.56 | -12.64 |
Other Operating Activities | 15.87 | 22.23 | -2.95 | 4 | 6.02 | 4.71 |
Operating Cash Flow | 134.86 | 138.3 | 155.64 | -55.81 | 57.07 | 43.61 |
Operating Cash Flow Growth | 33.86% | -11.14% | - | - | 30.86% | 0.12% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Capital Expenditures | -10.01 | -13.15 | -9.65 | -9.8 | -7.02 | -4.58 |
Sale of Property, Plant & Equipment | 1.19 | 0.7 | 0.34 | 0.99 | 0.13 | 0.51 |
Purchase / Sale of Intangible Assets | -6.69 | -6.94 | -4.82 | -5.94 | -8.12 | -8.4 |
Cash Acquisitions | -0.46 | -0.46 | -1.66 | - | - | -0.72 |
Investment in Securities | - | - | - | - | - | -32.58 |
Other Investing Activities | - | - | - | - | - | 15.35 |
Investing Cash Flow | -15.96 | -19.84 | -15.79 | -14.75 | -15.01 | -22.41 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Long-Term Debt Issued | - | 0.49 | - | - | - | 0.41 |
Total Debt Repaid | -7.1 | -5.88 | -5.66 | -5.24 | -4.62 | -4.11 |
Lease Payments | -6.66 | -5.49 | -5.13 | -5.11 | -4.51 | -4.11 |
Net Debt Issued (Repaid) | -6.61 | -5.39 | -5.66 | -5.24 | -4.62 | -3.7 |
Common Dividends Paid | -48.89 | -45.64 | -114.87 | - | - | - |
Preferred Dividends Paid | -0.13 | -0.13 | -0.13 | - | - | -0.26 |
Common & Preferred Dividends Paid | - | - | - | -0.16 | -0.16 | - |
Total Dividends Paid | -49.02 | -45.77 | -115 | -0.16 | -0.16 | -0.26 |
Other Financing Activities | -0.04 | -0.05 | -0.31 | -0.31 | -0 | -0.24 |
Financing Cash Flow | -55.67 | -51.22 | -120.98 | -5.71 | -4.78 | -4.19 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Net Cash Flow | 63.28 | 67.25 | 18.88 | -76.27 | 37.28 | 17.01 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Free Cash Flow | 124.85 | 125.16 | 145.99 | -65.61 | 50.05 | 39.04 |
Free Cash Flow Growth | 40.05% | -14.27% | - | - | 28.21% | 4.33% |
Free Cash Flow Margin | 16.57% | 17.62% | 23.36% | -11.78% | 9.99% | 7.85% |
Free Cash Flow Per Share | 296.59 | 297.32 | 346.82 | -155.86 | 118.89 | 92.73 |
Levered Free Cash Flow | 93.19 | 7.77 | 65.26 | -73.44 | -229.65 | 27.76 |
Unlevered Free Cash Flow | 94.33 | 8.94 | 66.48 | -72.3 | -228.57 | 28.88 |
Free Cash Flow After Leases | 118.18 | 119.67 | 140.87 | -70.71 | 45.54 | 34.93 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Cash Income Tax Paid | 11.08 | 5.73 | 21.83 | 9.04 | 11.72 | 7.31 |
Change in Working Capital | 40.84 | 48.16 | 93.68 | -122.17 | -17.72 | -14 |