Croatia osiguranje d.d. (ZSE:CROS2)

Croatia osiguranje d.d. Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	595.78	540.81	476.4	428.58	411.35	394.66
Total Interest & Dividend Income	50.7	45.11	43.94	43.61	51.76	-
Gain (Loss) on Sale of Investments	1.87	2.55	8.02	4.28	2.55	5.46
Other Revenue	42.28	36.52	28.42	23.77	31.89	57.36
Total Revenue	690.65	625.02	556.82	500.73	497.56	457.48
Revenue Growth (YoY)	13.59%	12.25%	11.20%	0.64%	8.76%	-3.30%
Policy Benefits	342.85	315.68	285.93	234.2	254.49	256.52
Policy Acquisition & Underwriting Costs	7.11	-	-	-	87.78	76.52
Selling, General & Administrative	140.74	135.92	122.73	118.27	80.37	74.44
Other Operating Expenses	118.48	107.36	81.18	79.03	9.4	9.73
Total Operating Expenses	609.18	558.97	489.84	431.5	432.04	417.21
Operating Income	81.47	66.06	66.98	69.23	65.52	40.27
Interest Expense	-1.9	-1.96	-1.82	-1.74	-1.8	-1.61
Earnings From Equity Investments	1.42	1.43	1.78	1.4	1.48	1.37
Currency Exchange Gain (Loss)	-1.83	1.52	-1.02	2.96	-1.87	5.03
Other Non Operating Income (Expenses)	0.86	0.86	0.58	3.38	-5.53	-6.39
EBT Excluding Unusual Items	80.02	67.91	66.5	75.22	57.8	38.68
Gain (Loss) on Sale of Assets	0.92	-0.07	0.56	0.02	0.15	11.87
Asset Writedown	0.89	0.89	2.59	-6.16	-2.01	-0.2
Legal Settlements	0.83	0.83	-0.54	0.39	1.26	0.21
Other Unusual Items	0.07	0.07	0.07	0.07	1.09	1.31
Pretax Income	82.72	69.62	69.17	69.54	58.29	51.87
Income Tax Expense	10.06	8.54	10.72	11.26	10.02	8.4
Earnings From Continuing Ops.	72.67	61.09	58.45	58.28	48.27	43.47
Minority Interest in Earnings	-0.08	-0.06	-0.07	-0.08	-0.06	-0.04
Net Income	72.58	61.03	58.38	58.2	48.21	43.43
Net Income to Common	72.58	61.03	58.38	58.2	48.21	43.43
Net Income Growth	0.34%	4.53%	0.31%	20.71%	11.01%	-4.77%
Shares Outstanding (Basic)	0	0	0	0	0	0
Shares Outstanding (Diluted)	0	0	0	0	0	0
EPS (Basic)	172.43	144.97	138.69	138.26	114.54	103.18
EPS (Diluted)	172.43	144.97	138.69	138.26	114.54	103.18
EPS Growth	0.34%	4.53%	0.31%	20.71%	11.01%	-4.77%
Free Cash Flow	89.14	145.99	-65.61	50.05	39.04	37.42
Free Cash Flow Per Share	211.77	346.82	-155.86	118.89	92.73	88.89
Dividend Per Share	106.520	106.520	267.640	-	-	-
Dividend Growth	-60.20%	-60.20%	-	-	-	-
Operating Margin	11.80%	10.57%	12.03%	13.83%	13.17%	8.80%
Profit Margin	10.51%	9.76%	10.48%	11.62%	9.69%	9.49%
Free Cash Flow Margin	12.91%	23.36%	-11.78%	9.99%	7.85%	8.18%
EBITDA	89.48	73.76	73.46	74.73	70.4	45.7
EBITDA Margin	12.96%	11.80%	13.19%	14.92%	14.15%	9.99%
D&A For EBITDA	8.01	7.7	6.48	5.51	4.88	5.44
EBIT	81.47	66.06	66.98	69.23	65.52	40.27
EBIT Margin	11.80%	10.57%	12.03%	13.83%	13.17%	8.80%
Effective Tax Rate	12.16%	12.26%	15.50%	16.20%	17.19%	16.19%
Revenue as Reported	-	-	-	-	509.66	489.35

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.