Zavarovalnica Triglav d.d Past Earnings Performance

Past criteria checks 5/6

Zavarovalnica Triglav d.d has been growing earnings at an average annual rate of 6.9%, while the Insurance industry saw earnings declining at 7.2% annually. Revenues have been growing at an average rate of 3.9% per year. Zavarovalnica Triglav d.d's return on equity is 14.5%, and it has net margins of 9.7%.

Key information

6.9%

Earnings growth rate

6.8%

EPS growth rate

Insurance Industry Growth	-7.2%
Revenue growth rate	3.9%
Return on equity	14.5%
Net Margin	9.7%
Next Earnings Update	30 Nov 2023

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Zavarovalnica Triglav d.d makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

LSE:0KFO Revenue, expenses and earnings (EUR Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 23	1,277	124	5
31 Mar 23	1,274	100	16
31 Dec 22	1,183	110	5
30 Sep 22	1,318	61	54
30 Jun 22	1,304	62	54
31 Mar 22	1,267	119	2
31 Dec 21	1,337	113	4
30 Sep 21	1,314	98	2
30 Jun 21	1,326	87	2
31 Mar 21	1,353	78	2
31 Dec 20	1,223	74	2
30 Sep 20	1,222	75	1
30 Jun 20	1,204	82	1
31 Mar 20	1,143	81	1
31 Dec 19	1,267	84	1
30 Sep 19	1,164	81	6
30 Jun 19	1,144	86	6
31 Mar 19	1,127	83	6
31 Dec 18	1,039	81	6
30 Sep 18	1,078	76	5
30 Jun 18	1,058	63	5
31 Mar 18	1,030	70	5
31 Dec 17	1,058	69	5
30 Sep 17	1,051	81	4
30 Jun 17	1,051	84	4
31 Mar 17	1,051	82	4
31 Dec 16	1,008	82	4
30 Sep 16	1,026	61	4
30 Jun 16	975	69	4
31 Mar 16	948	80	4
31 Dec 15	1,046	89	4
30 Sep 15	1,035	89	4
30 Jun 15	1,089	83	4
31 Mar 15	1,149	91	4
31 Dec 14	1,089	85	4
30 Sep 14	1,076	90	5
30 Jun 14	1,049	80	5
31 Mar 14	1,002	72	5
31 Dec 13	997	70	5
30 Sep 13	1,010	79	5
30 Jun 13	1,043	77	5
31 Mar 13	1,053	78	5
31 Dec 12	1,059	73	5

Quality Earnings: 0KFO has high quality earnings.

Growing Profit Margin: 0KFO's current net profit margins (9.7%) are higher than last year (4.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 0KFO's earnings have grown by 6.9% per year over the past 5 years.

Accelerating Growth: 0KFO's earnings growth over the past year (98.8%) exceeds its 5-year average (6.9% per year).

Earnings vs Industry: 0KFO earnings growth over the past year (98.8%) exceeded the Insurance industry 14.3%.

Return on Equity

High ROE: 0KFO's Return on Equity (14.5%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/11/27 14:15
End of Day Share Price	2023/08/30 00:00
Earnings	2023/06/30
Annual Earnings	2022/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Zavarovalnica Triglav, d.d. is covered by 2 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Saso Stanovnik	Alta Invest
Domagoj Grcevic	InterCapital Securities Ltd.