Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of EUR 993.43 million. The enterprise value is 1.03 billion.

Market Cap	993.43M
Enterprise Value	1.03B

Important Dates

The last earnings date was 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 (%)	0.41%
Owned by Institutions (%)	n/a
Float	3,117

Valuation Ratios

The trailing PE ratio is 13.69.

PE Ratio	13.69
Forward PE	n/a
PS Ratio	1.44
PB Ratio	1.17
P/TBV Ratio	1.21
P/FCF Ratio	11.14
P/OCF Ratio	9.86
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.82, with an EV/FCF ratio of 11.55.

EV / Earnings	14.18
EV / Sales	1.49
EV / EBITDA	10.82
EV / EBIT	12.42
EV / FCF	11.55

Financial Position

The company has a current ratio of 0.48, with a Debt / Equity ratio of 0.06.

Current Ratio	0.48
Quick Ratio	0.36
Debt / Equity	0.06
Debt / EBITDA	0.53
Debt / FCF	0.55
Interest Coverage	42.97

Financial Efficiency

Return on equity (ROE) is 9.18% and return on invested capital (ROIC) is 6.06%.

Return on Equity (ROE)	9.18%
Return on Assets (ROA)	2.73%
Return on Invested Capital (ROIC)	6.06%
Return on Capital Employed (ROCE)	6.05%
Revenue Per Employee	173,270
Profits Per Employee	18,210
Employee Count	3,880
Asset Turnover	0.37
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:CROS has paid 10.06 million in taxes.

Income Tax	10.06M
Effective Tax Rate	12.16%

Stock Price Statistics

The stock price has increased by +62.76% in the last 52 weeks. The beta is -0.15, so ZSE:CROS's price volatility has been lower than the market average.

Beta (5Y)	-0.15
52-Week Price Change	+62.76%
50-Day Moving Average	2,310.00
200-Day Moving Average	1,602.70
Relative Strength Index (RSI)	46.90
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 EUR 690.65 million and earned 72.58 million in profits. Earnings per share was 172.43.

Revenue	690.65M
Gross Profit	340.61M
Operating Income	81.47M
Pretax Income	82.72M
Net Income	72.58M
EBITDA	89.48M
EBIT	81.47M
Earnings Per Share (EPS)	172.43

Balance Sheet

The company has 218.76 million in cash and 49.35 million in debt, giving a net cash position of -35.29 million or -83.83 per share.

Cash & Cash Equivalents	218.76M
Total Debt	49.35M
Net Cash	-35.29M
Net Cash Per Share	-83.83
Equity (Book Value)	849.85M
Book Value Per Share	2,017.71
Working Capital	-314.39M

Cash Flow

In the last 12 months, operating cash flow was 100.75 million and capital expenditures -11.61 million, giving a free cash flow of 89.14 million.

Operating Cash Flow	100.75M
Capital Expenditures	-11.61M
Free Cash Flow	89.14M
FCF Per Share	211.77

Margins

Gross margin is 49.32%, with operating and profit margins of 11.80% and 10.51%.

Gross Margin	49.32%
Operating Margin	11.80%
Pretax Margin	11.98%
Profit Margin	10.51%
EBITDA Margin	12.96%
EBIT Margin	11.80%
FCF Margin	12.91%

Dividends & Yields

This stock pays an annual dividend of 106.52, which amounts to a dividend yield of 4.51%.

Dividend Per Share	106.52
Dividend Yield	4.51%
Dividend Growth (YoY)	-60.20%
Years of Dividend Growth	2
Payout Ratio	63.27%
Buyback Yield	n/a
Shareholder Yield	4.51%
Earnings Yield	7.31%
FCF Yield	8.97%

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	6