Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of EUR 1.45 billion. The enterprise value is 1.49 billion.

Market Cap	1.45B
Enterprise Value	1.49B

Important Dates

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

Earnings Date	Jul 29, 2026
Ex-Dividend Date	Jul 1, 2026

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 21.77.

PE Ratio	21.77
Forward PE	n/a
PS Ratio	2.00
PB Ratio	1.56
P/TBV Ratio	1.61
P/FCF Ratio	12.03
P/OCF Ratio	10.83
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 15.63, with an EV/FCF ratio of 12.34.

EV / Earnings	22.33
EV / Sales	2.05
EV / EBITDA	15.63
EV / EBIT	18.07
EV / FCF	12.34

Financial Position

The company has a current ratio of 0.31, with a Debt / Equity ratio of 0.06.

Current Ratio	0.31
Quick Ratio	0.20
Debt / Equity	0.06
Debt / EBITDA	0.55
Debt / FCF	0.43
Interest Coverage	45.35

Financial Efficiency

Return on equity (ROE) is 7.71% and return on invested capital (ROIC) is 7.11%.

Return on Equity (ROE)	7.71%
Return on Assets (ROA)	2.59%
Return on Invested Capital (ROIC)	7.11%
Return on Capital Employed (ROCE)	5.66%
Weighted Average Cost of Capital (WACC)	4.37%
Revenue Per Employee	176,685
Profits Per Employee	16,222
Employee Count	4,101
Asset Turnover	0.37
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:CROS has paid 13.04 million in taxes.

Income Tax	13.04M
Effective Tax Rate	16.37%

Stock Price Statistics

The stock price has increased by +53.57% in the last 52 weeks. The beta is 0.03, so ZSE:CROS's price volatility has been lower than the market average.

Beta (5Y)	0.03
52-Week Price Change	+53.57%
50-Day Moving Average	2,826.00
200-Day Moving Average	2,031.88
Relative Strength Index (RSI)	62.20
Average Volume (20 Days)	5

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 724.59 million and earned 66.53 million in profits. Earnings per share was 158.04.

Revenue	724.59M
Gross Profit	297.85M
Operating Income	80.73M
Pretax Income	79.65M
Net Income	66.53M
EBITDA	89.09M
EBIT	80.73M
Earnings Per Share (EPS)	158.04

Balance Sheet

The company has 122.11 million in cash and 51.66 million in debt, with a net cash position of -37.25 million or -88.48 per share.

Cash & Cash Equivalents	122.11M
Total Debt	51.66M
Net Cash	-37.25M
Net Cash Per Share	-88.48
Equity (Book Value)	927.31M
Book Value Per Share	2,201.65
Working Capital	-428.14M

Cash Flow

In the last 12 months, operating cash flow was 133.74 million and capital expenditures -13.36 million, giving a free cash flow of 120.38 million.

Operating Cash Flow	133.74M
Capital Expenditures	-13.36M
Depreciation & Amortization	n/a
Net Borrowing	-5.88M
Free Cash Flow	120.38M
FCF Per Share	285.98

Margins

Gross margin is 41.11%, with operating and profit margins of 11.14% and 9.18%.

Gross Margin	41.11%
Operating Margin	11.14%
Pretax Margin	10.99%
Profit Margin	9.18%
EBITDA Margin	12.30%
EBIT Margin	11.14%
FCF Margin	16.61%

Dividends & Yields

This stock pays an annual dividend of 106.52, which amounts to a dividend yield of 3.10%.

Dividend Per Share	106.52
Dividend Yield	3.10%
Dividend Growth (YoY)	5.54%
Years of Dividend Growth	n/a
Payout Ratio	68.80%
Buyback Yield	n/a
Shareholder Yield	3.10%
Earnings Yield	4.59%
FCF Yield	8.31%

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	5