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Croatian (CROBEX) Financials Sector Analysis

UpdatedJan 16, 2026
DataAggregated Company Financials
Companies10
  • 7D1.7%
  • 3M0.7%
  • 1Y-14.1%
  • YTD0.8%

The Financials industry is up 1.7% in the last week, with Croatia osiguranje d.d up 17%. However, the industry is down 14% over the past year.

Sector Valuation and Performance

Has the Croatian Financials Sector valuation changed over the past few years?

DateMarket CapRevenueEarningsPEAbsolute PEPS
Fri, 16 Jan 2026Kn9.7bKn2.3bKn730.0m9.4x13.2x4.2x
Sun, 14 Dec 2025Kn9.7bKn2.3bKn730.0m10x13.3x4.2x
Tue, 11 Nov 2025Kn9.6bKn2.3bKn729.7m9.8x13.2x4.2x
Thu, 09 Oct 2025Kn9.7bKn2.3bKn745.9m9.5x13x4.2x
Sat, 06 Sep 2025Kn9.8bKn2.3bKn745.9m9.3x13.1x4.3x
Mon, 04 Aug 2025Kn10.1bKn2.3bKn745.9m9.3x13.5x4.4x
Wed, 02 Jul 2025Kn9.8bKn2.2bKn735.6m9.3x13.4x4.4x
Fri, 30 May 2025Kn9.5bKn2.2bKn735.6m9.5x12.9x4.2x
Sun, 27 Apr 2025Kn9.8bKn2.2bKn724.0m14.2x13.6x4.4x
Tue, 25 Mar 2025Kn10.4bKn2.3bKn724.0m12.1x14.3x4.5x
Thu, 20 Feb 2025Kn10.2bKn2.2bKn737.5m9.1x13.9x4.6x
Sat, 18 Jan 2025Kn11.2bKn2.2bKn741.9m9.4x15.1x5.1x
Mon, 16 Dec 2024Kn10.0bKn2.2bKn741.9m9.5x13.4x4.5x
Wed, 13 Nov 2024Kn8.9bKn2.2bKn741.3m8.5x12x4x
Fri, 11 Oct 2024Kn7.8bKn2.2bKn740.5m9.2x10.5x3.6x
Sun, 08 Sep 2024Kn7.4bKn2.2bKn741.6m8.9x10x3.4x
Tue, 06 Aug 2024Kn7.5bKn2.2bKn737.3m8.1x10.1x3.5x
Thu, 04 Jul 2024Kn7.1bKn2.1bKn719.8m8.3x9.9x3.3x
Sat, 01 Jun 2024Kn7.0bKn2.1bKn719.8m9.2x9.8x3.3x
Mon, 29 Apr 2024Kn6.6bKn2.1bKn714.1m9.5x9.2x3.2x
Wed, 27 Mar 2024Kn6.9bKn2.1bKn679.1m8.4x10.2x3.3x
Fri, 23 Feb 2024Kn7.3bKn1.7bKn517.9m11.8x14x4.2x
Sun, 21 Jan 2024Kn6.2bKn1.7bKn517.9m9x12x3.6x
Tue, 19 Dec 2023Kn5.5bKn1.7bKn517.6m8.8x10.5x3.2x
Thu, 16 Nov 2023Kn5.0bKn1.7bKn517.6m8.8x9.6x2.9x
Sat, 14 Oct 2023Kn4.9bKn1.5bKn448.9m10.4x11x3.2x
Mon, 11 Sep 2023Kn5.1bKn1.5bKn448.9m10.7x11.3x3.3x
Wed, 09 Aug 2023Kn5.1bKn1.5bKn444.4m10.8x11.4x3.3x
Fri, 07 Jul 2023Kn4.7bKn1.4bKn482.6m9.1x9.7x3.4x
Sun, 04 Jun 2023Kn4.6bKn1.4bKn482.7m9.3x9.6x3.4x
Tue, 02 May 2023Kn4.3bKn1.4bKn444.1m7.7x9.7x3.2x
Thu, 30 Mar 2023Kn4.6bKn1.3bKn454.6m8.3x10.1x3.4x
Sat, 25 Feb 2023Kn4.6bKn1.3bKn454.1m9.1x10.1x3.7x
Mon, 23 Jan 2023Kn3.9bKn1.3bKn471.1m9.3x8.2x2.9x
Price to Earnings Ratio

8.2x


Total Market Cap: Kn3.9bTotal Earnings: Kn471.1mTotal Revenue: Kn1.3bTotal Market Cap vs Earnings and Revenue0%0%0%
Croatian Financials Sector Price to Earnings3Y Average 11.6x202420252026
Current Industry PE
  • Investors are optimistic on the Croatian Financials industry, and appear confident in long term growth rates.
  • The industry is trading at a PE ratio of 13.2x which is higher than its 3-year average PE of 11.6x.
  • The 3-year average PS ratio of 3.8x is lower than the industry's current PS ratio of 4.2x.
Past Earnings Growth
  • The earnings for companies in the Financials industry have grown 16% per year over the last three years.
  • Revenues for these companies have grown 20% per year.
  • This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.

Industry Trends

Which industries have driven the changes within the Croatian Financials sector?

HR Market2.65%
Financials1.70%
Insurance16.45%
Banks-0.091%
Capital Markets-0.10%
Industry PE
  • Investors are most optimistic about the Capital Markets industry even though it's trading below its 3-year average PE ratio of 438x.
    • It looks like they are confident that earnings will grow faster in the future than they have historically.
  • Investors are most pessimistic about the Banks industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average of 11.6x.
Forecasted GrowthThere is insufficient data on the sub-industries of this industry.

Top Stock Gainers and Losers

Which companies have driven the market over the last 7 days?

CompanyLast Price7D1YValuation
CROS Croatia osiguranje d.d€2.70k17.4%
+€168.4m		65.6%PE15.7x
JDOS ADRIATIC osiguranje d.d€498.001.6%
+€1.0m		12.2%PE997.8x
PDBA Podravska banka d.d€85.001.2%
+€665.4k		-5.6%PB0.7x
SNBA Slatinska Banka d.d€14.203.6%
+€448.9k		-4.1%PB0.2x
TRFM Terra Firma dd€89.509.8%
+€288.0k		n/an/a

Latest News

CROS
€2,700.00
Croatia osiguranje d.d
7D
17.4%
1Y
65.6%
HPB
€288.00
Hrvatska postanska banka d.d
7D
-1.4%
1Y
-11.7%
JDOS
€498.00
ADRIATIC osiguranje d.d
7D
1.6%
1Y
12.2%
SNBA
€14.20
Slatinska Banka d.d
7D
3.6%
1Y
-4.1%
PDBA
€85.00
Podravska banka d.d
7D
1.2%
1Y
-5.6%
IKBA
€500.00
Istarska kreditna banka Umag d.d
7D
-1.0%
1Y
-11.5%
TRFM
€89.50
Terra Firma dd
7D
9.8%
1Y
n/a