Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of EUR 1.01 billion. The enterprise value is 1.05 billion.

Market Cap	1.01B
Enterprise Value	1.05B

Important Dates

The next estimated earnings date is Tuesday, October 28, 2025.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Jul 1, 2025

Share Statistics

ZSE:CROS has 420,947 shares outstanding.

Current Share Class	420,947
Shares Outstanding	420,947
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.33%
Owned by Institutions (%)	n/a
Float	3,454

Valuation Ratios

The trailing PE ratio is 14.56.

PE Ratio	14.56
Forward PE	n/a
PS Ratio	1.50
PB Ratio	1.25
P/TBV Ratio	1.29
P/FCF Ratio	13.72
P/OCF Ratio	12.41
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.32, with an EV/FCF ratio of 14.24.

EV / Earnings	15.11
EV / Sales	1.55
EV / EBITDA	11.32
EV / EBIT	13.03
EV / FCF	14.24

Financial Position

The company has a current ratio of 0.50, with a Debt / Equity ratio of 0.06.

Current Ratio	0.50
Quick Ratio	0.38
Debt / Equity	0.06
Debt / EBITDA	0.53
Debt / FCF	0.66
Interest Coverage	40.39

Financial Efficiency

Return on equity (ROE) is 9.19% and return on invested capital (ROIC) is 6.13%.

Return on Equity (ROE)	9.19%
Return on Assets (ROA)	2.66%
Return on Invested Capital (ROIC)	6.13%
Return on Capital Employed (ROCE)	6.00%
Revenue Per Employee	169,967
Profits Per Employee	17,478
Employee Count	3,880
Asset Turnover	0.36
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:CROS has paid 9.17 million in taxes.

Income Tax	9.17M
Effective Tax Rate	11.66%

Stock Price Statistics

The stock price has increased by +77.78% in the last 52 weeks. The beta is -0.10, so ZSE:CROS's price volatility has been lower than the market average.

Beta (5Y)	-0.10
52-Week Price Change	+77.78%
50-Day Moving Average	2,115.20
200-Day Moving Average	1,465.75
Relative Strength Index (RSI)	60.84
Average Volume (20 Days)	7

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, ZSE:CROS had revenue of EUR 674.94 million and earned 69.40 million in profits. Earnings per share was 164.88.

Revenue	674.94M
Gross Profit	336.27M
Operating Income	79.03M
Pretax Income	78.66M
Net Income	69.40M
EBITDA	87.03M
EBIT	79.03M
Earnings Per Share (EPS)	164.88

Balance Sheet

The company has 235.38 million in cash and 48.42 million in debt, giving a net cash position of -37.75 million or -89.69 per share.

Cash & Cash Equivalents	235.38M
Total Debt	48.42M
Net Cash	-37.75M
Net Cash Per Share	-89.69
Equity (Book Value)	805.95M
Book Value Per Share	1,913.47
Working Capital	-313.91M

Cash Flow

In the last 12 months, operating cash flow was 81.39 million and capital expenditures -7.75 million, giving a free cash flow of 73.64 million.

Operating Cash Flow	81.39M
Capital Expenditures	-7.75M
Free Cash Flow	73.64M
FCF Per Share	174.94

Margins

Gross margin is 49.82%, with operating and profit margins of 11.71% and 10.28%.

Gross Margin	49.82%
Operating Margin	11.71%
Pretax Margin	11.65%
Profit Margin	10.28%
EBITDA Margin	12.89%
EBIT Margin	11.71%
FCF Margin	10.91%

Dividends & Yields

This stock pays an annual dividend of 106.52, which amounts to a dividend yield of 4.44%.

Dividend Per Share	106.52
Dividend Yield	4.44%
Dividend Growth (YoY)	-60.20%
Years of Dividend Growth	2
Payout Ratio	72.01%
Buyback Yield	n/a
Shareholder Yield	4.44%
Earnings Yield	6.87%
FCF Yield	7.29%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	7