Zagrebacka banka d.d. (ZSE:ZABA)

Zagrebacka banka d.d. Statistics

Total Valuation

ZSE:ZABA has a market cap or net worth of HRK 67.55 billion.

Market Cap	67.55B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Monday, October 27, 2025.

Earnings Date	Oct 27, 2025
Ex-Dividend Date	Apr 14, 2025

Share Statistics

ZSE:ZABA has 320.22 million shares outstanding.

Current Share Class	320.22M
Shares Outstanding	320.22M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.28%
Owned by Institutions (%)	0.86%
Float	11.09M

Valuation Ratios

The trailing PE ratio is 14.68.

PE Ratio	14.68
Forward PE	n/a
PS Ratio	7.74
PB Ratio	3.03
P/TBV Ratio	3.10
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.53
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 21.31%.

Return on Equity (ROE)	21.31%
Return on Assets (ROA)	2.15%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.95M
Profits Per Employee	1.03M
Employee Count	4,461
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:ZABA has paid 905.55 million in taxes.

Income Tax	905.55M
Effective Tax Rate	16.42%

Stock Price Statistics

The stock price has increased by +34.57% in the last 52 weeks. The beta is 0.00, so ZSE:ZABA's price volatility has been lower than the market average.

Beta (5Y)	0.00
52-Week Price Change	+34.57%
50-Day Moving Average	25.28
200-Day Moving Average	25.82
Relative Strength Index (RSI)	47.74
Average Volume (20 Days)	4,833

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:ZABA had revenue of HRK 8.73 billion and earned 4.60 billion in profits.

Revenue	8.73B
Gross Profit	8.73B
Operating Income	5.70B
Pretax Income	5.52B
Net Income	4.60B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	n/a

Balance Sheet

The company has 8.79 billion in cash and 9.95 billion in debt, giving a net cash position of -1.16 billion or -3.62 per share.

Cash & Cash Equivalents	8.79B
Total Debt	9.95B
Net Cash	-1.16B
Net Cash Per Share	-3.62
Equity (Book Value)	22.28B
Book Value Per Share	n/a
Working Capital	-153.37B

Cash Flow

In the last 12 months, operating cash flow was -17.51 billion and capital expenditures -1.13 billion, giving a free cash flow of -18.64 billion.

Operating Cash Flow	-17.51B
Capital Expenditures	-1.13B
Free Cash Flow	-18.64B
FCF Per Share	-58.20

Margins

Gross Margin	n/a
Operating Margin	65.38%
Pretax Margin	63.21%
Profit Margin	52.74%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 11.58, which amounts to a dividend yield of 5.49%.

Dividend Per Share	11.58
Dividend Yield	5.49%
Dividend Growth (YoY)	6.87%
Years of Dividend Growth	n/a
Payout Ratio	80.75%
Buyback Yield	n/a
Shareholder Yield	5.49%
Earnings Yield	6.81%
FCF Yield	-27.59%

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

The last stock split was on July 22, 2011. It was a forward split with a ratio of 5.

Last Split Date	Jul 22, 2011
Split Type	Forward
Split Ratio	5

Scores

Altman Z-Score	n/a
Piotroski F-Score	2