Croatia osiguranje d.d. (ZSE:CROS)
Croatia · Delayed Price · Currency is EUR 3,120.00
0.00 (0.00%)
At close: Sep 23, 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 | Sep '26 Sep 22, 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 |
| 1,313 | 951 | 686 | 364 | 369 | 392 | |
Market Cap Growth | 31.09% | 38.65% | 88.44% | -1.19% | -5.94% | 9.71% |
Enterprise Value | 1,353 | 987 | 720 | 332 | 352 | 335 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 22, 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 | 19.37 | 14.55 | 11.24 | 6.24 | 6.33 | 8.13 |
PS Ratio | 1.79 | 1.34 | 1.10 | 0.65 | 0.74 | 0.79 |
PB Ratio | 1.44 | 1.09 | 0.90 | 0.48 | 0.52 | 0.64 |
P/FCF Ratio | 11.01 | 7.60 | 4.70 | - | 7.36 | 10.04 |
P/OCF Ratio | 9.91 | 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 | Sep '26 Sep 22, 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 | 1.84 | 1.39 | 1.15 | 0.60 | 0.70 | 0.67 |
EV/EBITDA Ratio | 14.46 | 10.98 | 9.63 | 4.52 | 4.70 | 4.76 |
EV/EBIT Ratio | 16.86 | 12.07 | 10.73 | 4.95 | 5.08 | 5.12 |
EV/FCF Ratio | 11.34 | 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 | Sep '26 Sep 22, 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 | Sep '26 Sep 22, 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 | 5.16% | 6.87% | 8.89% | 16.03% | 15.79% | 12.31% |
FCF Yield | 9.09% | 13.16% | 21.28% | -18.02% | 13.58% | 9.96% |
Dividend Yield | 3.41% | - | 7.07% | 41.18% | - | - |
Payout Ratio | 67.51% | 70.00% | 188.45% | 0.22% | 0.28% | 0.54% |
Total Shareholder Return | 3.41% | - | 7.07% | 41.18% | - | - |