Croatia · Delayed Price · Currency is EUR Croatia osiguranje d.d. Statistics
Total Valuation
ZSE:CROS has a market cap or net worth of EUR 1.33 billion. The enterprise value is 1.36 billion.
| Market Cap | 1.33B |
| Enterprise Value | 1.36B |
Important Dates
The last earnings date was Wednesday, November 4, 2026.
| Earnings Date | Nov 4, 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 18.40.
| PE Ratio | 18.40 |
| Forward PE | n/a |
| PS Ratio | 1.77 |
| PB Ratio | 1.41 |
| P/TBV Ratio | 1.45 |
| P/FCF Ratio | 10.65 |
| P/OCF Ratio | 9.86 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 13.80, with an EV/FCF ratio of 10.93.
| EV / Earnings | 18.88 |
| EV / Sales | 1.81 |
| EV / EBITDA | 13.80 |
| EV / EBIT | 16.03 |
| EV / FCF | 10.93 |
Financial Position
The company has a current ratio of 0.40, with a Debt / Equity ratio of 0.05.
| Current Ratio | 0.40 |
| Quick Ratio | 0.29 |
| Debt / Equity | 0.05 |
| Debt / EBITDA | 0.53 |
| Debt / FCF | 0.41 |
| Interest Coverage | 46.02 |
Financial Efficiency
Return on equity (ROE) is 8.07% and return on invested capital (ROIC) is 7.22%.
| Return on Equity (ROE) | 8.07% |
| Return on Assets (ROA) | 2.57% |
| Return on Invested Capital (ROIC) | 7.22% |
| Return on Capital Employed (ROCE) | 5.83% |
| Weighted Average Cost of Capital (WACC) | 4.38% |
| Revenue Per Employee | 183,798 |
| Profits Per Employee | 17,633 |
| Employee Count | 4,101 |
| Asset Turnover | 0.37 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, ZSE:CROS has paid 12.89 million in taxes.
| Income Tax | 12.89M |
| Effective Tax Rate | 15.12% |
Stock Price Statistics
The stock price has increased by +27.20% 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 | +27.20% |
| 50-Day Moving Average | 3,338.00 |
| 200-Day Moving Average | 2,422.85 |
| Relative Strength Index (RSI) | 46.00 |
| Average Volume (20 Days) | 3 |
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 753.39 million and earned 72.28 million in profits. Earnings per share was 171.71.
| Revenue | 753.39M |
| Gross Profit | 315.05M |
| Operating Income | 83.31M |
| Pretax Income | 85.21M |
| Net Income | 72.28M |
| EBITDA | 92.63M |
| EBIT | 83.31M |
| Earnings Per Share (EPS) | 171.71 |
Balance Sheet
The company has 177.41 million in cash and 51.21 million in debt, with a net cash position of -33.55 million or -79.71 per share.
| Cash & Cash Equivalents | 177.41M |
| Total Debt | 51.21M |
| Net Cash | -33.55M |
| Net Cash Per Share | -79.71 |
| Equity (Book Value) | 943.10M |
| Book Value Per Share | 2,239.16 |
| Working Capital | -399.29M |
Cash Flow
In the last 12 months, operating cash flow was 134.86 million and capital expenditures -10.01 million, giving a free cash flow of 124.85 million.
| Operating Cash Flow | 134.86M |
| Capital Expenditures | -10.01M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -6.61M |
| Free Cash Flow | 124.85M |
| FCF Per Share | 296.59 |
Margins
Gross margin is 41.82%, with operating and profit margins of 11.06% and 9.59%.
| Gross Margin | 41.82% |
| Operating Margin | 11.06% |
| Pretax Margin | 11.31% |
| Profit Margin | 9.59% |
| EBITDA Margin | 12.30% |
| EBIT Margin | 11.06% |
| FCF Margin | 16.57% |
Dividends & Yields
This stock pays an annual dividend of 106.52, which amounts to a dividend yield of 3.37%.
| Dividend Per Share | 106.52 |
| Dividend Yield | 3.37% |
| Dividend Growth (YoY) | 7.15% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 67.82% |
| FCF Payout Ratio | 38.48% |
| Buyback Yield | n/a |
| Shareholder Yield | 3.37% |
| Earnings Yield | 5.43% |
| FCF Yield | 9.39% |
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 |