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Croatian (CROBEX) Financials Sector Analysis
UpdatedAug 10, 2025
DataAggregated Company Financials
Companies9
- 7D1.2%
- 3M3.6%
- 1Y37.4%
- YTD-0.9%
In the last week, the Financials industry is up 1.2%, with Zagrebacka banka d.d up 1.2%. This means that the industry has gained 37% over the past year.
Sector Valuation and Performance
Has the Croatian Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sun, 10 Aug 2025 | Kn10.2b | Kn2.3b | Kn745.9m | 9.3x | 13.6x | 4.5x |
| Tue, 08 Jul 2025 | Kn9.8b | Kn2.2b | Kn735.6m | 9.3x | 13.4x | 4.4x |
| Thu, 05 Jun 2025 | Kn9.5b | Kn2.2b | Kn735.6m | 9.5x | 12.9x | 4.2x |
| Sat, 03 May 2025 | Kn9.8b | Kn2.2b | Kn716.8m | 13.7x | 13.7x | 4.4x |
| Mon, 31 Mar 2025 | Kn10.6b | Kn2.3b | Kn724.0m | 13.6x | 14.6x | 4.6x |
| Wed, 26 Feb 2025 | Kn10.4b | Kn2.2b | Kn737.5m | 10.6x | 14.2x | 4.7x |
| Fri, 24 Jan 2025 | Kn11.2b | Kn2.2b | Kn741.9m | 9.4x | 15.1x | 5.1x |
| Sun, 22 Dec 2024 | Kn10.6b | Kn2.2b | Kn741.9m | 9.5x | 14.3x | 4.8x |
| Tue, 19 Nov 2024 | Kn9.0b | Kn2.2b | Kn741.3m | 9.3x | 12.2x | 4.1x |
| Thu, 17 Oct 2024 | Kn7.7b | Kn2.2b | Kn740.5m | 9.2x | 10.4x | 3.5x |
| Sat, 14 Sep 2024 | Kn7.5b | Kn2.2b | Kn740.5m | 8.9x | 10.1x | 3.4x |
| Mon, 12 Aug 2024 | Kn7.4b | Kn2.2b | Kn737.3m | 7.8x | 10x | 3.4x |
| Wed, 10 Jul 2024 | Kn7.1b | Kn2.1b | Kn719.8m | 8.3x | 9.8x | 3.3x |
| Fri, 07 Jun 2024 | Kn7.0b | Kn2.1b | Kn719.8m | 8.9x | 9.7x | 3.3x |
| Sun, 05 May 2024 | Kn6.7b | Kn2.1b | Kn720.2m | 9.4x | 9.3x | 3.1x |
| Tue, 02 Apr 2024 | Kn7.0b | Kn2.1b | Kn679.1m | 8.4x | 10.3x | 3.3x |
| Thu, 29 Feb 2024 | Kn7.0b | Kn1.8b | Kn610.6m | 11.3x | 11.5x | 3.9x |
| Sat, 27 Jan 2024 | Kn6.5b | Kn1.7b | Kn517.9m | 9.1x | 12.5x | 3.8x |
| Mon, 25 Dec 2023 | Kn5.6b | Kn1.7b | Kn517.9m | 8.6x | 10.9x | 3.3x |
| Wed, 22 Nov 2023 | Kn5.0b | Kn1.7b | Kn517.6m | 8.9x | 9.6x | 2.9x |
| Fri, 20 Oct 2023 | Kn5.0b | Kn1.5b | Kn448.9m | 10.4x | 11.1x | 3.2x |
| Sun, 17 Sep 2023 | Kn5.1b | Kn1.5b | Kn448.9m | 10.7x | 11.4x | 3.3x |
| Tue, 15 Aug 2023 | Kn5.3b | Kn1.5b | Kn444.4m | 10.8x | 11.9x | 3.4x |
| Thu, 13 Jul 2023 | Kn4.7b | Kn1.4b | Kn482.6m | 9.6x | 9.8x | 3.5x |
| Sat, 10 Jun 2023 | Kn4.6b | Kn1.4b | Kn482.6m | 9.9x | 9.6x | 3.4x |
| Mon, 08 May 2023 | Kn4.3b | Kn1.4b | Kn482.9m | 7.8x | 8.8x | 3.1x |
| Wed, 05 Apr 2023 | Kn4.6b | Kn1.3b | Kn430.2m | 8.4x | 10.8x | 3.5x |
| Fri, 03 Mar 2023 | Kn4.6b | Kn1.2b | Kn451.1m | 9.1x | 10.3x | 3.7x |
| Sun, 29 Jan 2023 | Kn3.9b | Kn1.3b | Kn470.7m | 9.3x | 8.3x | 2.9x |
| Tue, 27 Dec 2022 | Kn26.4b | Kn10.2b | Kn3.6b | 8.9x | 7.3x | 2.6x |
| Thu, 24 Nov 2022 | Kn26.2b | Kn10.2b | Kn3.6b | 8.6x | 7.3x | 2.6x |
| Sat, 22 Oct 2022 | Kn25.6b | Kn9.7b | Kn3.3b | 8.3x | 7.8x | 2.6x |
| Mon, 19 Sep 2022 | Kn26.7b | Kn9.7b | Kn3.3b | 8.5x | 8.1x | 2.8x |
| Wed, 17 Aug 2022 | Kn26.8b | Kn9.7b | Kn3.3b | 8.5x | 8.2x | 2.8x |
Price to Earnings Ratio
8.2x
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 13.6x which is higher than its 3-year average PE of 10.8x.
- The 3-year average PS ratio of 3.5x is lower than the industry's current PS ratio of 4.5x.
Past Earnings Growth
- The earnings for companies in the Financials industry have declined 39% per year over the last three years,
- Revenues have also declined 38% per year.
- This means overall sales from these companies are declining and profits are subsequently falling as well.
Industry Trends
Which industries have driven the changes within the Croatian Financials sector?
| HR Market | 0.32% | |
| Financials | 1.15% | |
| Capital Markets | 53.66% | |
| Insurance | 2.21% | |
| Banks | 0.98% | |
Industry PE
- Investors are most optimistic about the Capital Markets industry even though it's trading below its 3-year average PE ratio of 490x.
- 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 10.8x.
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?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| ZABA Zagrebacka banka d.d | €26.00 | 1.2% +€96.1m | 36.5% | PB3.1x | |
| CROS Croatia osiguranje d.d | €2.36k | 2.6% +€25.3m | 71.0% | PE14.3x | |
| ZB Zagrebacka burza d.d | €6.30 | 53.7% +€5.1m | 133.3% | PE47x |