Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of EUR 1.01 billion. The enterprise value is 1.01 billion.

Market Cap	1.01B
Enterprise Value	1.01B

Important Dates

The last earnings date was Monday, February 23, 2026.

Earnings Date	Feb 23, 2026
Ex-Dividend Date	Jul 1, 2025

Share Statistics

ZSE:CROS has 420,947 shares outstanding.

Current Share Class	420,947
Shares Outstanding	420,947
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.41%
Owned by Institutions (%)	n/a
Float	3,117

Valuation Ratios

The trailing PE ratio is 18.21.

PE Ratio	18.21
Forward PE	n/a
PS Ratio	1.64
PB Ratio	1.33
P/TBV Ratio	1.36
P/FCF Ratio	5.93
P/OCF Ratio	5.85
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 12.94, with an EV/FCF ratio of 5.92.

EV / Earnings	18.18
EV / Sales	1.64
EV / EBITDA	12.94
EV / EBIT	14.62
EV / FCF	5.92

Financial Position

The company has a current ratio of 0.38

Current Ratio	0.38
Quick Ratio	0.25
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	47.43

Financial Efficiency

Return on equity (ROE) is 7.30% and return on invested capital (ROIC) is 7.25%.

Return on Equity (ROE)	7.30%
Return on Assets (ROA)	2.50%
Return on Invested Capital (ROIC)	7.25%
Return on Capital Employed (ROCE)	6.04%
Weighted Average Cost of Capital (WACC)	3.98%
Revenue Per Employee	154,290
Profits Per Employee	13,917
Employee Count	3,986
Asset Turnover	0.36
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:CROS has paid 8.09 million in taxes.

Income Tax	8.09M
Effective Tax Rate	12.73%

Stock Price Statistics

The stock price has increased by +31.87% in the last 52 weeks. The beta is -0.05, so ZSE:CROS's price volatility has been lower than the market average.

Beta (5Y)	-0.05
52-Week Price Change	+31.87%
50-Day Moving Average	2,494.00
200-Day Moving Average	1,815.03
Relative Strength Index (RSI)	41.96
Average Volume (20 Days)	7

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:CROS had revenue of EUR 615.00 million and earned 55.47 million in profits. Earnings per share was 131.78.

Revenue	615.00M
Gross Profit	200.89M
Operating Income	68.97M
Pretax Income	63.56M
Net Income	55.47M
EBITDA	77.93M
EBIT	68.97M
Earnings Per Share (EPS)	131.78

Full Income Statement

Balance Sheet

The company has 129.16 million in cash and n/a in debt, giving a net cash position of 1.81 million or 4.31 per share.

Cash & Cash Equivalents	129.16M
Total Debt	n/a
Net Cash	1.81M
Net Cash Per Share	4.31
Equity (Book Value)	760.48M
Book Value Per Share	1,806.60
Working Capital	-326.50M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 172.58 million and capital expenditures -2.17 million, giving a free cash flow of 170.41 million.

Operating Cash Flow	172.58M
Capital Expenditures	-2.17M
Free Cash Flow	170.41M
FCF Per Share	404.82

Full Cash Flow Statement

Margins

Gross margin is 32.66%, with operating and profit margins of 11.22% and 9.02%.

Gross Margin	32.66%
Operating Margin	11.22%
Pretax Margin	10.34%
Profit Margin	9.02%
EBITDA Margin	12.67%
EBIT Margin	11.22%
FCF Margin	27.71%

Dividends & Yields

This stock pays an annual dividend of 106.52, which amounts to a dividend yield of 4.44%.

Dividend Per Share	106.52
Dividend Yield	4.44%
Dividend Growth (YoY)	-56.96%
Years of Dividend Growth	n/a
Payout Ratio	207.31%
Buyback Yield	n/a
Shareholder Yield	4.44%
Earnings Yield	5.49%
FCF Yield	16.87%

Dividend Details

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5