Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	7,812	5,011	2,839	2,778	2,945	2,696
Market Cap Growth	87.90%	76.50%	2.19%	-5.66%	9.21%	-5.84%
Enterprise Value	7,740	5,255	2,586	2,650	2,521	2,406
PE Ratio	13.95	11.24	6.24	6.33	8.13	8.22
PS Ratio	1.40	1.10	0.65	0.74	0.79	0.78
PB Ratio	1.17	0.90	0.48	0.52	0.64	0.65
P/FCF Ratio	12.81	4.70	-	7.36	10.04	9.55
P/OCF Ratio	11.59	4.41	-	6.46	8.98	8.20
EV/Sales Ratio	1.42	1.15	0.60	0.70	0.67	0.70
EV/EBITDA Ratio	10.35	9.76	4.52	4.70	4.76	6.97
EV/EBIT Ratio	11.92	10.89	4.95	5.08	5.12	7.91
EV/FCF Ratio	12.69	4.93	-	7.02	8.59	8.52
Debt / Equity Ratio	0.00	0.06	0.06	0.08	0.09	0.08
Debt / EBITDA Ratio	0.01	0.62	0.62	0.69	0.75	0.86
Debt / FCF Ratio	0.02	0.33	-	1.07	1.41	1.11
Quick Ratio	0.29	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)	6.32%	5.09%	5.30%	6.04%	6.51%	4.44%
Earnings Yield	7.36%	8.89%	16.03%	15.79%	12.31%	12.16%
Earnings Yield	7.36%	8.89%	16.03%	15.79%	12.31%	12.16%
FCF Yield	7.81%	21.28%	-18.02%	13.58%	9.96%	10.48%
Dividend Yield	4.63%	6.84%	39.82%	-	-	-
Payout Ratio	72.08%	188.45%	0.22%	0.28%	0.54%	-
Total Shareholder Return	4.63%	6.84%	39.82%	-	-	-

Updated Feb 24, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.