Zagrebacka banka d.d. (ZSE:ZABA)

Zagrebacka banka d.d. Statistics

Total Valuation

ZSE:ZABA has a market cap or net worth of EUR 7.65 billion.

Market Cap	7.65B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, February 13, 2026.

Earnings Date	Feb 13, 2026
Ex-Dividend Date	Apr 15, 2026

Share Statistics

ZSE:ZABA has 320.23 million shares outstanding. The number of shares has increased by 0.01% in one year.

Current Share Class	320.23M
Shares Outstanding	320.23M
Shares Change (YoY)	+0.01%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.29%
Owned by Institutions (%)	0.82%
Float	11.07M

Valuation Ratios

The trailing PE ratio is 13.41.

PE Ratio	13.41
Forward PE	n/a
PS Ratio	7.25
PB Ratio	2.58
P/TBV Ratio	2.64
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	-1.43
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 19.78%.

Return on Equity (ROE)	19.78%
Return on Assets (ROA)	2.11%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.81%
Revenue Per Employee	242,864
Profits Per Employee	131,446
Employee Count	4,344
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:ZABA has paid 114.00 million in taxes.

Income Tax	114.00M
Effective Tax Rate	16.62%

Stock Price Statistics

The stock price has decreased by -10.82% in the last 52 weeks. The beta is -0.07, so ZSE:ZABA's price volatility has been lower than the market average.

Beta (5Y)	-0.07
52-Week Price Change	-10.82%
50-Day Moving Average	24.03
200-Day Moving Average	24.48
Relative Strength Index (RSI)	45.47
Average Volume (20 Days)	9,607

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 EUR 1.06 billion and earned 571.00 million in profits. Earnings per share was 1.78.

Revenue	1.06B
Gross Profit	1.06B
Operating Income	683.00M
Pretax Income	686.00M
Net Income	571.00M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.78

Balance Sheet

The company has 1.02 billion in cash and 2.81 billion in debt, with a net cash position of -1.79 billion or -5.58 per share.

Cash & Cash Equivalents	1.02B
Total Debt	2.81B
Net Cash	-1.79B
Net Cash Per Share	-5.58
Equity (Book Value)	2.97B
Book Value Per Share	9.24
Working Capital	-19.06B

Cash Flow

In the last 12 months, operating cash flow was -1.85 billion and capital expenditures -112.00 million, giving a free cash flow of -1.96 billion.

Operating Cash Flow	-1.85B
Capital Expenditures	-112.00M
Free Cash Flow	-1.96B
FCF Per Share	-6.11

Margins

Gross Margin	n/a
Operating Margin	64.74%
Pretax Margin	65.02%
Profit Margin	54.12%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.40, which amounts to a dividend yield of 5.86%.

Dividend Per Share	1.40
Dividend Yield	5.86%
Dividend Growth (YoY)	-5.76%
Years of Dividend Growth	1
Payout Ratio	78.46%
Buyback Yield	-0.01%
Shareholder Yield	5.84%
Earnings Yield	7.46%
FCF Yield	-25.57%

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