Croatia osiguranje d.d. (ZSE:CROS2)

Croatia osiguranje d.d. Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb 26, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	1,128	951	686	364	369	392
Market Cap Growth	196.41%	38.65%	88.44%	-1.19%	-5.94%	9.71%
Enterprise Value	1,164	987	720	332	352	335
PE Ratio	15.54	17.15	11.24	6.24	6.33	8.13
PS Ratio	1.63	1.55	1.10	0.65	0.74	0.79
PB Ratio	1.33	1.25	0.90	0.48	0.52	0.64
P/FCF Ratio	12.66	5.58	4.70	-	7.36	10.04
P/OCF Ratio	11.20	5.51	4.41	-	6.46	8.98
EV/Sales Ratio	1.69	1.61	1.15	0.60	0.70	0.67
EV/EBITDA Ratio	12.24	12.67	9.76	4.52	4.70	4.76
EV/EBIT Ratio	14.04	14.31	10.89	4.95	5.08	5.12
EV/FCF Ratio	13.06	5.79	4.93	-	7.02	8.59
Debt / Equity Ratio	-	-	0.06	0.06	0.08	0.09
Debt / EBITDA Ratio	-	-	0.62	0.62	0.69	0.75
Debt / FCF Ratio	-	-	0.33	-	1.07	1.41
Net Debt / Equity Ratio	0.00	0.00	-0.05	-0.02	-0.12	-0.08
Net Debt / EBITDA Ratio	-0.02	-0.02	-0.51	-0.26	-1.20	-0.73
Net Debt / FCF Ratio	-0.01	-0.01	-0.26	0.29	-1.79	-1.31
Quick Ratio	0.25	0.25	3.53	3.97	3.66	0.56
Current Ratio	0.38	0.38	5.01	5.50	4.95	0.77
Asset Turnover	0.36	0.36	0.35	0.32	0.28	0.28
Return on Equity (ROE)	7.30%	7.30%	8.01%	7.91%	8.80%	8.31%
Return on Assets (ROA)	2.50%	2.50%	2.33%	2.43%	2.46%	2.26%
Return on Invested Capital (ROIC)	7.25%	7.68%	7.15%	7.16%	8.08%	8.64%
Earnings Yield	6.43%	5.83%	8.89%	16.03%	15.79%	12.31%
FCF Yield	7.90%	17.91%	21.28%	-18.02%	13.58%	9.96%
Dividend Yield	34.02%	-	6.52%	36.96%	-	-
Payout Ratio	63.27%	207.31%	188.45%	0.22%	0.28%	0.54%
Total Shareholder Return	34.02%	-	6.52%	36.96%	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.