Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of HRK 6.89 billion. The enterprise value is 6.59 billion.

Market Cap	6.89B
Enterprise Value	6.59B

Important Dates

The next estimated earnings date is Tuesday, April 29, 2025.

Earnings Date	Apr 29, 2025
Ex-Dividend Date	Jul 1, 2025

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 14.07.

PE Ratio	14.07
Forward PE	n/a
PS Ratio	1.51
PB Ratio	1.24
P/TBV Ratio	1.28
P/FCF Ratio	6.46
P/OCF Ratio	6.06
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.35, with an EV/FCF ratio of 6.18.

EV / Earnings	14.79
EV / Sales	1.31
EV / EBITDA	10.35
EV / EBIT	12.18
EV / FCF	6.18

Financial Position

The company has a current ratio of 5.01, with a Debt / Equity ratio of 0.06.

Current Ratio	5.01
Quick Ratio	3.53
Debt / Equity	0.06
Debt / EBITDA	0.62
Debt / FCF	0.33
Interest Coverage	33.72

Financial Efficiency

Return on equity (ROE) is 8.01% and return on invested capital (ROIC) is 5.09%.

Return on Equity (ROE)	8.01%
Return on Assets (ROA)	2.33%
Return on Invested Capital (ROIC)	5.09%
Return on Capital Employed (ROCE)	3.84%
Revenue Per Employee	1.19M
Profits Per Employee	116,085
Employee Count	3,880
Asset Turnover	0.35
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +63.20% 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	+63.20%
50-Day Moving Average	1,689.20
200-Day Moving Average	1,254.31
Relative Strength Index (RSI)	64.76
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 4.56 billion and earned 445.65 million in profits. Earnings per share was 1,058.68.

Revenue	4.56B
Gross Profit	2.26B
Operating Income	482.41M
Pretax Income	508.44M
Net Income	445.65M
EBITDA	538.64M
EBIT	482.41M
Earnings Per Share (EPS)	1,058.68

Full Income Statement

Balance Sheet

The company has 1.38 billion in cash and 353.00 million in debt, giving a net cash position of 272.87 million or 648.22 per share.

Cash & Cash Equivalents	1.38B
Total Debt	353.00M
Net Cash	272.87M
Net Cash Per Share	648.22
Equity (Book Value)	5.55B
Book Value Per Share	13,166.61
Working Capital	1.71B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 1.14 billion and capital expenditures -70.46 million, giving a free cash flow of 1.07 billion.

Operating Cash Flow	1.14B
Capital Expenditures	-70.46M
Free Cash Flow	1.07B
FCF Per Share	2,532.75

Full Cash Flow Statement

Margins

Gross margin is 49.48%, with operating and profit margins of 10.57% and 9.76%.

Gross Margin	49.48%
Operating Margin	10.57%
Pretax Margin	11.14%
Profit Margin	9.76%
EBITDA Margin	11.80%
EBIT Margin	10.57%
FCF Margin	23.36%

Dividends & Yields

This stock pays an annual dividend of 2,146.75, which amounts to a dividend yield of 13.52%.

Dividend Per Share	2,146.75
Dividend Yield	13.52%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	188.45%
Buyback Yield	n/a
Shareholder Yield	13.52%
Earnings Yield	6.47%
FCF Yield	15.48%

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