Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of EUR 1.30 billion. The enterprise value is 1.15 billion.

Market Cap	1.30B
Enterprise Value	1.15B

Important Dates

The next estimated earnings date is Wednesday, April 29, 2026.

Earnings Date	Apr 29, 2026
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 (%)	0.39%
Owned by Institutions (%)	n/a
Float	3,201

Valuation Ratios

The trailing PE ratio is 19.96.

PE Ratio	19.96
Forward PE	n/a
PS Ratio	1.82
PB Ratio	1.50
P/TBV Ratio	1.55
P/FCF Ratio	10.43
P/OCF Ratio	9.44
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 11.53, with an EV/FCF ratio of 9.21.

EV / Earnings	17.63
EV / Sales	1.61
EV / EBITDA	11.53
EV / EBIT	13.80
EV / FCF	9.21

Financial Position

The company has a current ratio of 43.42

Current Ratio	43.42
Quick Ratio	35.49
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.03% and return on invested capital (ROIC) is 8.16%.

Return on Equity (ROE)	8.03%
Return on Assets (ROA)	2.74%
Return on Invested Capital (ROIC)	8.16%
Return on Capital Employed (ROCE)	4.20%
Weighted Average Cost of Capital (WACC)	3.66%
Revenue Per Employee	179,561
Profits Per Employee	16,405
Employee Count	3,986
Asset Turnover	0.38
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:CROS has paid 12.18 million in taxes.

Income Tax	12.18M
Effective Tax Rate	15.68%

Stock Price Statistics

The stock price has increased by +72.22% 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	+72.22%
50-Day Moving Average	2,573.20
200-Day Moving Average	1,878.03
Relative Strength Index (RSI)	65.58
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 EUR 715.73 million and earned 65.39 million in profits. Earnings per share was 155.34.

Revenue	715.73M
Gross Profit	154.82M
Operating Income	82.03M
Pretax Income	77.63M
Net Income	65.39M
EBITDA	98.51M
EBIT	82.03M
Earnings Per Share (EPS)	155.34

Balance Sheet

The company has 292.21 million in cash and n/a in debt, with a net cash position of 152.96 million or 363.36 per share.

Cash & Cash Equivalents	292.21M
Total Debt	n/a
Net Cash	152.96M
Net Cash Per Share	363.36
Equity (Book Value)	870.77M
Book Value Per Share	2,067.51
Working Capital	395.77M

Cash Flow

In the last 12 months, operating cash flow was 138.30 million and capital expenditures -13.15 million, giving a free cash flow of 125.16 million.

Operating Cash Flow	138.30M
Capital Expenditures	-13.15M
Depreciation & Amortization	n/a
Net Borrowing	-5.57M
Free Cash Flow	125.16M
FCF Per Share	297.32

Margins

Gross margin is 21.63%, with operating and profit margins of 11.46% and 9.14%.

Gross Margin	21.63%
Operating Margin	11.46%
Pretax Margin	10.85%
Profit Margin	9.14%
EBITDA Margin	13.76%
EBIT Margin	11.46%
FCF Margin	17.49%

Dividends & Yields

This stock pays an annual dividend of 106.52, which amounts to a dividend yield of 3.44%.

Dividend Per Share	106.52
Dividend Yield	3.44%
Dividend Growth (YoY)	-56.96%
Years of Dividend Growth	n/a
Payout Ratio	70.08%
Buyback Yield	n/a
Shareholder Yield	3.44%
Earnings Yield	5.01%
FCF Yield	9.59%

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