ADRIATIC osiguranje d.d. (ZSE:JDOS)

Croatia · Delayed Price · Currency is EUR

486.00

-19.00 (-3.76%)

At close: Apr 24, 2026

ADRIATIC osiguranje d.d. Financials Overview

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

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	270.7	270.7	243.71	205.78	191.15	150.23
Revenue Growth	11.07%	11.07%	18.43%	7.66%	27.24%	30.97%
Operating Income	-3.76	-3.76	1.2	-3.83	5.65	10.26
Net Income	1.41	1.41	4.06	3.61	5.55	9.73
Earnings Per Share	11.26	11.26	32.48	28.90	44.42	77.84
EPS Growth	-65.34%	-65.34%	12.38%	-34.95%	-42.93%	7.19%

Revenue by Geography

Fiscal Year	FY 2025	FY 2024
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Italy	92.13	86.08
Croatia	159.19	145.33
Total	251.32	231.41

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	26.27	26.27	32.19	12.55	22.56	15.49
Total Debt	0.66	0.66	1.75	3.01	8.03	10.26
Net Cash (Debt)	25.61	25.61	30.44	9.55	14.53	5.23
Net Cash Growth	-15.88%	-15.88%	218.92%	-34.30%	177.82%	-
Net Cash Per Share	204.88	204.88	243.54	76.36	116.23	41.84

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	10.3	10.3	35.42	16.94	19.85	33.77
Capital Expenditures	-0.66	-0.66	-0.61	-0.59	-	-4.08
Free Cash Flow	9.64	9.64	34.81	16.35	19.85	29.69
Free Cash Flow Growth	-72.30%	-72.30%	112.94%	-17.63%	-33.16%	173.61%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	-1.39%	-1.39%	0.49%	-1.86%	2.96%	6.83%
Pretax Margin	0.48%	0.48%	1.98%	2.10%	3.07%	7.68%
Profit Margin	0.52%	0.52%	1.67%	1.75%	2.90%	6.48%
FCF Margin	3.56%	3.56%	14.28%	7.94%	10.38%	19.77%

Dividends

Fiscal Year	Current	FY 2025	FY 2024
Period Ending	Jul '26 Jul 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024
Dividend Per Share	24.000	-	24.000
Dividend Per Share Growth	0%	-	-
Dividend Yield	4.94%	-	5.86%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	-	43.53	13.24	17.65	12.90	8.37
P/FCF Ratio	-	6.35	1.54	3.90	3.61	2.74
PS Ratio	-	0.23	0.22	0.31	0.38	0.54