Croatia osiguranje d.d. Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

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
Premiums & Annuity Revenue	648.04	606.8	540.81	476.4	428.58	411.35
Total Interest & Dividend Income	52.13	50.35	38.78	43.94	43.61	51.76
Gain (Loss) on Sale of Investments	5.96	8.96	8.87	8.02	4.28	2.55
Other Revenue	45.25	42.19	36.52	28.42	23.77	31.89
Total Revenue	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%
Policy Benefits	372.58	353	315.68	285.93	234.2	254.49
Policy Acquisition & Underwriting Costs	65.66	64.21	53.82	-	-	87.78
Selling, General & Administrative	152.01	149.61	138.24	122.73	118.27	80.37
Other Operating Expenses	79.83	61.71	50.25	81.18	79.03	9.4
Total Operating Expenses	670.08	628.53	557.98	489.84	431.5	432.04
Operating Income	83.31	81.78	67.04	66.98	69.23	65.52
Interest Expense	-1.81	-1.87	-1.96	-1.82	-1.74	-1.8
Earnings From Equity Investments	1.79	1.48	1.43	1.78	1.4	1.48
Currency Exchange Gain (Loss)	0.96	-3.87	1.52	-1.02	2.96	-1.87
Other Non Operating Income (Expenses)	-0.15	-0.15	-0.12	0.58	3.38	-5.53
EBT Excluding Unusual Items	84.1	77.37	67.91	66.5	75.22	57.8
Impairment of Goodwill	-1.73	-1.73	-	-	-	-
Gain (Loss) on Sale of Assets	1.26	0.42	-0.07	0.56	0.02	0.15
Asset Writedown	2.03	2.03	0.89	2.59	-6.16	-2.01
Legal Settlements	-0.61	-0.61	0.83	-0.54	0.39	1.26
Other Unusual Items	0.15	0.15	0.07	0.07	0.07	1.09
Pretax Income	85.21	77.63	69.62	69.17	69.54	58.29
Income Tax Expense	12.89	12.18	8.54	10.72	11.26	10.02
Earnings From Continuing Ops.	72.32	65.46	61.09	58.45	58.28	48.27
Minority Interest in Earnings	-0.04	-0.07	-0.06	-0.07	-0.08	-0.06
Net Income	72.28	65.39	61.03	58.38	58.2	48.21
Net Income to Common	72.28	65.39	61.03	58.38	58.2	48.21
Net Income Growth	-0.42%	7.15%	4.53%	0.31%	20.71%	11.01%
Shares Outstanding (Basic)	0	0	0	0	0	0
Shares Outstanding (Diluted)	0	0	0	0	0	0
Shares Change	-	-	-	-	-	-
EPS (Basic)	171.71	155.34	144.97	138.69	138.26	114.54
EPS (Diluted)	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%

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
Free Cash Flow	124.85	125.16	145.99	-65.61	50.05	39.04
Free Cash Flow Per Share	296.59	297.32	346.82	-155.86	118.89	92.73
Dividend Per Share	-	-	106.520	267.640	-	-
Dividend Growth	-	-	-60.20%	-	-	-
Operating Margin	11.06%	11.51%	10.73%	12.03%	13.83%	13.17%
Profit Margin	9.59%	9.21%	9.76%	10.48%	11.62%	9.69%
Free Cash Flow Margin	16.57%	17.62%	23.36%	-11.78%	9.99%	7.85%
EBITDA	92.63	89.93	74.74	73.46	74.73	70.4
EBITDA Margin	12.29%	12.66%	11.96%	13.19%	14.92%	14.15%
D&A For EBITDA	9.32	8.15	7.7	6.48	5.51	4.88
EBIT	83.31	81.78	67.04	66.98	69.23	65.52
EBIT Margin	11.06%	11.51%	10.73%	12.03%	13.83%	13.17%
Effective Tax Rate	15.12%	15.68%	12.26%	15.50%	16.20%	17.19%
Revenue as Reported	-	-	-	-	-	509.66