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	Sep 4, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	1,010	686	364	369	392	357
Market Cap Growth	71.43%	88.44%	-1.19%	-5.94%	9.71%	-7.19%
Enterprise Value	1,049	720	332	352	335	319
PE Ratio	14.56	11.24	6.24	6.33	8.13	8.22
PS Ratio	1.50	1.10	0.65	0.74	0.79	0.78
PB Ratio	1.25	0.90	0.48	0.52	0.64	0.65
P/FCF Ratio	13.72	4.70	-	7.36	10.04	9.55
P/OCF Ratio	12.41	4.41	-	6.46	8.98	8.20
EV/Sales Ratio	1.55	1.15	0.60	0.70	0.67	0.70
EV/EBITDA Ratio	11.32	9.76	4.52	4.70	4.76	6.97
EV/EBIT Ratio	13.03	10.89	4.95	5.08	5.12	7.91
EV/FCF Ratio	14.24	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	0.66	0.33	-	1.07	1.41	1.11
Quick Ratio	0.38	3.53	3.97	3.66	0.56	0.50
Current Ratio	0.50	5.01	5.50	4.95	0.77	0.74
Asset Turnover	0.36	0.35	0.32	0.28	0.28	0.27
Return on Equity (ROE)	9.19%	8.01%	7.91%	8.80%	8.31%	8.25%
Return on Assets (ROA)	2.66%	2.33%	2.43%	2.46%	2.26%	1.46%
Return on Capital (ROIC)	6.13%	5.09%	5.30%	6.04%	6.51%	4.44%
Earnings Yield	6.87%	8.89%	16.03%	15.79%	12.31%	12.16%
Earnings Yield	6.87%	8.89%	16.03%	15.79%	12.31%	12.16%
FCF Yield	7.29%	21.28%	-18.02%	13.58%	9.96%	10.48%
Dividend Yield	4.44%	6.84%	39.82%	-	-	-
Payout Ratio	72.01%	188.45%	0.22%	0.28%	0.54%	-
Total Shareholder Return	4.44%	6.84%	39.82%	-	-	-

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.