Croatia osiguranje d.d. (ZSE:CROS)

Croatia · Delayed Price · Currency is EUR

3,280.00

+60.00 (1.86%)

At close: Aug 27, 2026

Croatia osiguranje d.d. Ratios and Metrics

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

Millions EUR. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 26, 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
Market Capitalization	1,381	951	686	364	369	392
Market Cap Growth	37.82%	38.65%	88.44%	-1.19%	-5.94%	9.71%
Enterprise Value	1,421	987	720	332	352	335

Price Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 26, 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
PE Ratio	20.36	14.55	11.24	6.24	6.33	8.13
PS Ratio	1.88	1.34	1.10	0.65	0.74	0.79
PB Ratio	1.51	1.09	0.90	0.48	0.52	0.64
P/FCF Ratio	11.57	7.60	4.70	-	7.36	10.04
P/OCF Ratio	10.42	6.88	4.41	-	6.46	8.98

EV Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 26, 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
EV/Sales Ratio	1.94	1.39	1.15	0.60	0.70	0.67
EV/EBITDA Ratio	15.18	10.98	9.63	4.52	4.70	4.76
EV/EBIT Ratio	17.70	12.07	10.73	4.95	5.08	5.12
EV/FCF Ratio	11.90	7.89	4.93	-	7.02	8.59

Financial Efficiency

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 26, 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
Debt / Equity Ratio	0.06	0.06	0.06	0.06	0.08	0.09
Debt / EBITDA Ratio	0.56	0.51	0.61	0.62	0.69	0.75
Debt / FCF Ratio	0.43	0.39	0.33	-	1.07	1.41
Net Debt / Equity Ratio	0.04	-0.12	-0.05	-0.02	-0.12	-0.08
Net Debt / EBITDA Ratio	0.45	-1.16	-0.50	-0.26	-1.20	-0.73
Net Debt / FCF Ratio	0.33	-0.84	-0.26	0.29	-1.79	-1.31
Quick Ratio	0.35	4.62	3.56	4.01	3.66	0.56
Current Ratio	0.45	6.05	4.90	5.50	4.95	0.77
Asset Turnover	0.36	0.38	0.35	0.32	0.28	0.28
Return on Equity (ROE)	7.89%	8.03%	8.01%	7.91%	8.80%	8.31%
Return on Assets (ROA)	2.43%	2.73%	2.37%	2.43%	2.46%	2.26%
Return on Invested Capital (ROIC)	6.82%	7.99%	7.26%	7.16%	8.08%	8.64%

Yields

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 26, 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
Earnings Yield	4.91%	6.87%	8.89%	16.03%	15.79%	12.31%
FCF Yield	8.64%	13.16%	21.28%	-18.02%	13.58%	9.96%
Dividend Yield	3.25%	-	7.07%	41.18%	-	-
Payout Ratio	67.51%	70.00%	188.45%	0.22%	0.28%	0.54%
Total Shareholder Return	3.25%	-	7.07%	41.18%	-	-