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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 29, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	1,465	951	686	364	369	392
Market Cap Growth	304.65%	38.65%	88.44%	-1.19%	-5.94%	9.71%
Enterprise Value	1,361	987	720	332	352	335
PE Ratio	22.40	14.55	11.24	6.24	6.33	8.13
PS Ratio	2.06	1.34	1.10	0.65	0.74	0.79
PB Ratio	1.68	1.09	0.90	0.48	0.52	0.64
P/FCF Ratio	11.70	7.60	4.70	-	7.36	10.04
P/OCF Ratio	10.59	6.88	4.41	-	6.46	8.98
EV/Sales Ratio	1.92	1.39	1.15	0.60	0.70	0.67
EV/EBITDA Ratio	14.19	10.98	9.63	4.52	4.70	4.76
EV/EBIT Ratio	16.34	12.07	10.73	4.95	5.08	5.12
EV/FCF Ratio	10.87	7.89	4.93	-	7.02	8.59
Debt / Equity Ratio	0.06	0.06	0.06	0.06	0.08	0.09
Debt / EBITDA Ratio	0.51	0.51	0.61	0.62	0.69	0.75
Debt / FCF Ratio	0.39	0.39	0.33	-	1.07	1.41
Net Debt / Equity Ratio	-0.12	-0.12	-0.05	-0.02	-0.12	-0.08
Net Debt / EBITDA Ratio	-1.16	-1.16	-0.50	-0.26	-1.20	-0.73
Net Debt / FCF Ratio	-0.84	-0.84	-0.26	0.29	-1.79	-1.31
Quick Ratio	4.97	4.97	3.83	4.01	3.66	0.56
Current Ratio	6.51	6.51	5.27	5.50	4.95	0.77
Asset Turnover	0.38	0.38	0.35	0.32	0.28	0.28
Return on Equity (ROE)	8.03%	8.03%	8.01%	7.91%	8.80%	8.31%
Return on Assets (ROA)	2.73%	2.73%	2.37%	2.43%	2.46%	2.26%
Return on Invested Capital (ROIC)	7.58%	7.99%	7.26%	7.16%	8.08%	8.64%
Earnings Yield	4.46%	6.87%	8.89%	16.03%	15.79%	12.31%
FCF Yield	8.54%	13.16%	21.28%	-18.02%	13.58%	9.96%
Dividend Yield	3.06%	-	6.84%	39.82%	-	-
Payout Ratio	70.00%	70.00%	188.45%	0.22%	0.28%	0.54%
Total Shareholder Return	3.06%	-	6.84%	39.82%	-	-

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.