Zagrebacka banka d.d. (ZSE:ZABA)

Croatia · Delayed Price · Currency is EUR

23.30

+0.30 (1.30%)

At close: Nov 4, 2026

Zagrebacka banka 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	Sep '26 Sep 30, 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
Revenue	1,072	1,055	1,064	990	674	601.16
Revenue Growth	2.49%	-0.85%	7.47%	46.88%	12.12%	14.81%
Net Income	577.86	571	555	508	248	199.06
Earnings Per Share	1.80	1.78	1.73	1.59	0.77	0.62
EPS Growth	-	2.87%	9.25%	104.80%	24.57%	49.92%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Retail	560	647	602	368	288.47
Corporate and Investment	369	308	293	193	209.04
Leasing	56	51	38	33	49.23
Other	46	33	35	116	29.67
Reconciliation to Financial Statements	11	1	-9	-9	2.26
Total	1,042	1,040	959	701	578.68

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Cash & Investments	3,516	1,021	1,112	1,026	1,099	5,295
Total Debt	2,688	2,808	1,740	1,148	444	126.54
Net Cash (Debt)	827.87	-1,787	-628	-122	655	5,168
Net Cash Growth	-	-	-	-	-87.33%	16.90%
Net Cash Per Share	2.59	-5.58	-1.96	-0.38	2.05	16.14

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Operating Cash Flow	-759.16	-1,845	-1,699	-971	-730	-80.77
Capital Expenditures	-95.51	-112	-137	-100	-74	-44.58
Free Cash Flow	-854.67	-1,957	-1,836	-1,071	-804	-125.34
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Profit Margin	53.88%	54.12%	52.16%	51.31%	36.80%	33.11%
FCF Margin	-79.69%	-185.50%	-172.56%	-108.18%	-119.29%	-20.85%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 5, 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
Dividend Per Share	1.400	-	1.400	1.400	1.690	0.834
Dividend Per Share Growth	-9.29%	-	0%	-17.16%	102.57%	-
Dividend Yield	6.01%	-	5.19%	9.33%	19.79%	9.62%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 5, 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	12.91	13.46	15.58	9.46	11.03	13.95
PS Ratio	6.87	7.29	8.13	4.85	4.06	4.62