Croatia osiguranje d.d. Statistics

Total Valuation

ZSE:CROS has a market cap or net worth of EUR 1.50 billion. The enterprise value is 1.39 billion.

Market Cap	1.50B
Enterprise Value	1.39B

Important Dates

The next estimated earnings date is Tuesday, May 5, 2026.

Earnings Date	May 5, 2026
Ex-Dividend Date	Jul 1, 2026

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 (%)	0.39%
Owned by Institutions (%)	n/a
Float	3,201

Valuation Ratios

The trailing PE ratio is 22.92.

PE Ratio	22.92
Forward PE	n/a
PS Ratio	2.11
PB Ratio	1.72
P/TBV Ratio	1.77
P/FCF Ratio	11.97
P/OCF Ratio	10.84
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 14.54, with an EV/FCF ratio of 11.14.

EV / Earnings	21.33
EV / Sales	1.96
EV / EBITDA	14.54
EV / EBIT	16.75
EV / FCF	11.14

Financial Position

The company has a current ratio of 6.51, with a Debt / Equity ratio of 0.06.

Current Ratio	6.51
Quick Ratio	4.97
Debt / Equity	0.06
Debt / EBITDA	0.51
Debt / FCF	0.39
Interest Coverage	43.78

Financial Efficiency

Return on equity (ROE) is 8.03% and return on invested capital (ROIC) is 7.58%.

Return on Equity (ROE)	8.03%
Return on Assets (ROA)	2.73%
Return on Invested Capital (ROIC)	7.58%
Return on Capital Employed (ROCE)	4.31%
Weighted Average Cost of Capital (WACC)	3.65%
Revenue Per Employee	177,754
Profits Per Employee	16,364
Employee Count	4,056
Asset Turnover	0.38
Inventory Turnover	n/a

Taxes

In the past 12 months, ZSE:CROS has paid 12.18 million in taxes.

Income Tax	12.18M
Effective Tax Rate	15.68%

Stock Price Statistics

The stock price has increased by +53.85% in the last 52 weeks. The beta is -0.11, so ZSE:CROS's price volatility has been lower than the market average.

Beta (5Y)	-0.11
52-Week Price Change	+53.85%
50-Day Moving Average	2,639.60
200-Day Moving Average	1,917.88
Relative Strength Index (RSI)	75.80
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 710.30 million and earned 65.39 million in profits. Earnings per share was 155.34.

Revenue	710.30M
Gross Profit	293.00M
Operating Income	81.78M
Pretax Income	77.63M
Net Income	65.39M
EBITDA	89.93M
EBIT	81.78M
Earnings Per Share (EPS)	155.34

Full Income Statement

Balance Sheet

The company has 292.10 million in cash and 48.35 million in debt, giving a net cash position of 104.60 million or 248.49 per share.

Cash & Cash Equivalents	292.10M
Total Debt	48.35M
Net Cash	104.60M
Net Cash Per Share	248.49
Equity (Book Value)	870.77M
Book Value Per Share	2,067.39
Working Capital	354.63M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 138.30 million and capital expenditures -13.15 million, giving a free cash flow of 125.16 million.

Operating Cash Flow	138.30M
Capital Expenditures	-13.15M
Depreciation & Amortization	n/a
Net Borrowing	-5.39M
Free Cash Flow	125.16M
FCF Per Share	297.32

Full Cash Flow Statement

Margins

Gross margin is 41.25%, with operating and profit margins of 11.51% and 9.21%.

Gross Margin	41.25%
Operating Margin	11.51%
Pretax Margin	10.93%
Profit Margin	9.21%
EBITDA Margin	12.66%
EBIT Margin	11.51%
FCF Margin	17.62%

Dividends & Yields

This stock pays an annual dividend of 106.52, which amounts to a dividend yield of 2.99%.

Dividend Per Share	106.52
Dividend Yield	2.99%
Dividend Growth (YoY)	6.59%
Years of Dividend Growth	n/a
Payout Ratio	70.00%
Buyback Yield	n/a
Shareholder Yield	3.33%
Earnings Yield	4.36%
FCF Yield	8.35%

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	6