Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 16, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	1,229	686	364	369	392	357
Market Cap Growth	257.11%	88.44%	-1.19%	-5.94%	9.71%	-7.19%
Enterprise Value	1,215	720	332	352	335	319
PE Ratio	16.93	11.24	6.24	6.33	8.13	8.22
PS Ratio	1.78	1.10	0.65	0.74	0.79	0.78
PB Ratio	1.45	0.90	0.48	0.52	0.64	0.65
P/FCF Ratio	13.79	4.70	-	7.36	10.04	9.55
P/OCF Ratio	12.20	4.41	-	6.46	8.98	8.20
EV/Sales Ratio	1.76	1.15	0.60	0.70	0.67	0.70
EV/EBITDA Ratio	12.78	9.76	4.52	4.70	4.76	6.97
EV/EBIT Ratio	14.66	10.89	4.95	5.08	5.12	7.91
EV/FCF Ratio	13.63	4.93	-	7.02	8.59	8.52
Debt / Equity Ratio	0.06	0.06	0.06	0.08	0.09	0.08
Debt / EBITDA Ratio	0.53	0.62	0.62	0.69	0.75	0.86
Debt / FCF Ratio	0.55	0.33	-	1.07	1.41	1.11
Net Debt / Equity Ratio	0.04	-0.05	-0.02	-0.12	-0.08	-0.09
Net Debt / EBITDA Ratio	0.39	-0.51	-0.26	-1.20	-0.73	-1.03
Net Debt / FCF Ratio	0.40	-0.26	0.29	-1.79	-1.31	-1.26
Quick Ratio	0.36	3.53	3.97	3.66	0.56	0.50
Current Ratio	0.48	5.01	5.50	4.95	0.77	0.74
Asset Turnover	0.37	0.35	0.32	0.28	0.28	0.27
Return on Equity (ROE)	9.18%	8.01%	7.91%	8.80%	8.31%	8.25%
Return on Assets (ROA)	2.73%	2.33%	2.43%	2.46%	2.26%	1.46%
Return on Invested Capital (ROIC)	8.16%	7.15%	7.16%	8.08%	8.64%	5.91%
Earnings Yield	5.91%	8.89%	16.03%	15.79%	12.31%	12.16%
FCF Yield	7.25%	21.28%	-18.02%	13.58%	9.96%	10.48%
Dividend Yield	3.65%	6.84%	39.82%	-	-	-
Payout Ratio	63.27%	188.45%	0.22%	0.28%	0.54%	-
Total Shareholder Return	3.65%	6.84%	39.82%	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.