Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of HRK 5.68 billion. The enterprise value is 5.63 billion.

Market Cap	5.68B
Enterprise Value	5.63B

Important Dates

The last earnings date was Wednesday, February 26, 2025.

Earnings Date	Feb 26, 2025
Ex-Dividend Date	n/a

Share Statistics

ZSE:CROS has 420,947 shares outstanding.

Current Share Class	n/a
Shares Outstanding	420,947
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.25%
Owned by Institutions (%)	0.00%
Float	3,875

Valuation Ratios

The trailing PE ratio is 12.55.

PE Ratio	12.55
Forward PE	n/a
PS Ratio	1.12
PB Ratio	1.01
P/TBV Ratio	1.05
P/FCF Ratio	6.92
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.80, with an EV/FCF ratio of 6.86.

EV / Earnings	12.63
EV / Sales	1.11
EV / EBITDA	8.80
EV / EBIT	10.81
EV / FCF	6.86

Financial Position

The company has a current ratio of 0.33, with a Debt / Equity ratio of 0.00.

Current Ratio	0.33
Quick Ratio	0.22
Debt / Equity	0.00
Debt / EBITDA	0.02
Debt / FCF	0.01
Interest Coverage	33.09

Financial Efficiency

Return on equity (ROE) is 8.01% and return on invested capital (ROIC) is 5.47%.

Return on Equity (ROE)	8.01%
Return on Assets (ROA)	2.41%
Return on Invested Capital (ROIC)	5.47%
Return on Capital Employed (ROCE)	5.48%
Revenue Per Employee	1.31M
Profits Per Employee	117,183
Employee Count	3,786
Asset Turnover	0.38
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +42.19% in the last 52 weeks. The beta is 0.04, so ZSE:CROS's price volatility has been lower than the market average.

Beta (5Y)	0.04
52-Week Price Change	+42.19%
50-Day Moving Average	1,547.80
200-Day Moving Average	1,185.39
Relative Strength Index (RSI)	64.26
Average Volume (20 Days)	4

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 4.98 billion and earned 445.65 million in profits. Earnings per share was 1,058.68.

Revenue	4.98B
Gross Profit	1.90B
Operating Income	502.52M
Pretax Income	508.44M
Net Income	445.65M
EBITDA	619.65M
EBIT	502.52M
Earnings Per Share (EPS)	1,058.68

Full Income Statement

Balance Sheet

The company has 822.97 million in cash and 10.28 million in debt, giving a net cash position of 53.82 million or 127.85 per share.

Cash & Cash Equivalents	822.97M
Total Debt	10.28M
Net Cash	53.82M
Net Cash Per Share	127.85
Equity (Book Value)	5.55B
Book Value Per Share	13,166.61
Working Capital	-2.65B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 890.68 million and capital expenditures -70.22 million, giving a free cash flow of 820.45 million.

Operating Cash Flow	890.68M
Capital Expenditures	-70.22M
Free Cash Flow	820.45M
FCF Per Share	1,949.06

Full Cash Flow Statement

Margins

Gross margin is 38.05%, with operating and profit margins of 10.09% and 8.94%.

Gross Margin	38.05%
Operating Margin	10.09%
Pretax Margin	10.20%
Profit Margin	8.94%
EBITDA Margin	12.44%
EBIT Margin	10.09%
FCF Margin	16.47%

Dividends & Yields

This stock pays an annual dividend of 1,121.28, which amounts to a dividend yield of 8.31%.

Dividend Per Share	1,121.28
Dividend Yield	8.31%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	188.29%
Buyback Yield	n/a
Shareholder Yield	8.31%
Earnings Yield	7.85%
FCF Yield	14.45%

Dividend Details

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	n/a