Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of HRK 8.21 billion. The enterprise value is 8.52 billion.

Market Cap	8.21B
Enterprise Value	8.52B

Important Dates

The last earnings date was Wednesday, July 30, 2025.

Earnings Date	Jul 30, 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 14.44.

PE Ratio	14.44
Forward PE	n/a
PS Ratio	1.47
PB Ratio	1.23
P/TBV Ratio	1.27
P/FCF Ratio	13.45
P/OCF Ratio	12.17
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.23, with an EV/FCF ratio of 13.97.

EV / Earnings	14.82
EV / Sales	1.54
EV / EBITDA	11.23
EV / EBIT	12.93
EV / FCF	13.97

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	1.41M
Profits Per Employee	144,784
Employee Count	3,880
Asset Turnover	0.36
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:CROS has paid 76.00 million in taxes.

Income Tax	76.00M
Effective Tax Rate	11.66%

Stock Price Statistics

The stock price has increased by +80.30% in the last 52 weeks. The beta is -0.11, so ZSE:CROS's price volatility has been lower than the market average.

Beta (5Y)	-0.11
52-Week Price Change	+80.30%
50-Day Moving Average	2,093.40
200-Day Moving Average	1,450.35
Relative Strength Index (RSI)	59.66
Average Volume (20 Days)	6

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 HRK 5.59 billion and earned 574.94 million in profits. Earnings per share was 1,365.82.

Revenue	5.59B
Gross Profit	2.79B
Operating Income	654.64M
Pretax Income	651.60M
Net Income	574.94M
EBITDA	720.91M
EBIT	654.64M
Earnings Per Share (EPS)	1,365.82

Balance Sheet

The company has 1.95 billion in cash and 401.10 million in debt, giving a net cash position of -312.75 million or -742.96 per share.

Cash & Cash Equivalents	1.95B
Total Debt	401.10M
Net Cash	-312.75M
Net Cash Per Share	-742.96
Equity (Book Value)	6.68B
Book Value Per Share	15,850.88
Working Capital	-2.60B

Cash Flow

In the last 12 months, operating cash flow was 674.24 million and capital expenditures -64.20 million, giving a free cash flow of 610.04 million.

Operating Cash Flow	674.24M
Capital Expenditures	-64.20M
Free Cash Flow	610.04M
FCF Per Share	1,449.21

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 872.56, which amounts to a dividend yield of 4.48%.

Dividend Per Share	872.56
Dividend Yield	4.48%
Dividend Growth (YoY)	-56.96%
Years of Dividend Growth	2
Payout Ratio	72.01%
Buyback Yield	n/a
Shareholder Yield	4.48%
Earnings Yield	7.01%
FCF Yield	7.43%

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