Stock CROS CROATIA OSIGURANJE D.D.
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Financials Croatia osiguranje d.d.

Equities

CROS

HRCROSRA0002

Multiline Insurance & Brokers

End-of-day quote Zagreb S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
1,280 EUR +1.59% Intraday chart for Croatia osiguranje d.d. +4.07% +47.98%
Feb. 27 Croatia osiguranje d.d. Reports Earnings Results for the Fourth Quarter Ended December 31, 2023 CI
Feb. 27 Croatia osiguranje d.d. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 343 384.8 357.1 391.8 368.5 364.1
Enterprise Value (EV) 2 -98.99 463.8 1.575 6.795 -303.1 345.2
P/E ratio 1.02 x 1.13 x 1.09 x 1.08 x 0.97 x 6.24 x
Yield - - - - - 17.5%
Capitalization / Revenue 0.1 x 0.11 x 0.1 x 0.11 x 0.1 x 0.65 x
EV / Revenue -0.03 x 0.13 x 0 x 0 x -0.08 x 0.62 x
EV / EBITDA -0.2 x 0.96 x 0 x 0.02 x -0.58 x 4.7 x
EV / FCF -0.72 x 0.87 x 0 x 0.05 x -0.63 x -4.7 x
FCF Yield -138% 116% 20,139% 2,214% -159% -21.3%
Price to Book 0.11 x 0.1 x 0.09 x 0.09 x 0.08 x 0.48 x
Nbr of stocks (in thousands) 421 421 421 421 421 421
Reference price 3 814.9 914.1 848.4 930.8 875.5 865.0
Announcement Date 4/17/19 4/27/20 4/7/21 4/8/22 4/6/23 4/8/24
1EUR in Million2HRK in Million3EUR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 3,514 3,607 3,454 3,646 3,878 556.8
EBITDA 1 491 481.7 345 436 524.6 73.46
EBIT 1 450.7 442.1 304 399.3 483 66.98
Operating Margin 12.83% 12.26% 8.8% 10.95% 12.46% 12.03%
Earnings before Tax (EBT) 1 403.5 411.6 391.6 438.1 449.4 69.17
Net income 1 337.1 339.4 327.9 362.3 378.1 58.38
Net margin 9.59% 9.41% 9.49% 9.94% 9.75% 10.48%
EPS 2 798.4 806.3 779.0 860.8 898.2 138.7
Free Cash Flow 1 136.9 536.1 317.3 150.4 480.5 -73.44
FCF margin 3.9% 14.86% 9.19% 4.13% 12.39% -13.19%
FCF Conversion (EBITDA) 27.88% 111.31% 91.95% 34.5% 91.6% -
FCF Conversion (Net income) 40.61% 157.97% 96.76% 41.52% 127.1% -
Dividend per Share - - - - - 151.3
Announcement Date 4/17/19 4/27/20 4/7/21 4/8/22 4/6/23 4/8/24
1HRK in Million2HRK
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - 79 - - - -
Net Cash position 1 442 - 356 385 672 18.9
Leverage (Debt/EBITDA) - 0.1641 x - - - -
Free Cash Flow 1 137 536 317 150 481 -73.4
ROE (net income / shareholders' equity) 11% 9.63% 8.25% 8.31% 8.38% 7.91%
ROA (Net income/ Total Assets) 2.51% 2.28% 1.46% 1.83% 2.19% 2.43%
Assets 1 13,448 14,867 22,428 19,769 17,294 2,402
Book Value Per Share 2 7,624 9,074 9,757 10,930 10,470 1,816
Cash Flow per Share 2 1,085 516.0 1,590 1,894 2,561 159.0
Capex 1 34.2 57.5 46.4 34.4 52.9 9.8
Capex / Sales 0.97% 1.59% 1.34% 0.94% 1.36% 1.76%
Announcement Date 4/17/19 4/27/20 4/7/21 4/8/22 4/6/23 4/8/24
1HRK in Million2HRK
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Multiline Insurance & Brokers

1st Jan change Capi.
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