Croatia osiguranje d.d.

ZGSE:CROS Stock Report

Market Cap: €778.8m

Croatia osiguranje d.d Past Earnings Performance

Past criteria checks 5/6

Croatia osiguranje d.d has been growing earnings at an average annual rate of 8.5%, while the Insurance industry saw earnings growing at 6.6% annually. Revenues have been growing at an average rate of 5.5% per year. Croatia osiguranje d.d's return on equity is 9.9%, and it has net margins of 11.9%.

Key information

8.5%

Earnings growth rate

8.2%

EPS growth rate

Insurance Industry Growth7.6%
Revenue growth rate5.5%
Return on equity9.9%
Net Margin11.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Here's Why We Think Croatia osiguranje d.d (ZGSE:CROS) Might Deserve Your Attention Today

Jan 31
Here's Why We Think Croatia osiguranje d.d (ZGSE:CROS) Might Deserve Your Attention Today

Croatia osiguranje d.d. (ZGSE:CROS) Soars 27% But It's A Story Of Risk Vs Reward

Nov 28
Croatia osiguranje d.d. (ZGSE:CROS) Soars 27% But It's A Story Of Risk Vs Reward

Market Might Still Lack Some Conviction On Croatia osiguranje d.d. (ZGSE:CROS) Even After 28% Share Price Boost

Apr 27
Market Might Still Lack Some Conviction On Croatia osiguranje d.d. (ZGSE:CROS) Even After 28% Share Price Boost

Croatia osiguranje d.d. (ZGSE:CROS) Stock Catapults 43% Though Its Price And Business Still Lag The Market

Jan 20
Croatia osiguranje d.d. (ZGSE:CROS) Stock Catapults 43% Though Its Price And Business Still Lag The Market

Investors Who Bought Croatia osiguranje d.d (ZGSE:CROS) Shares Five Years Ago Are Now Up 20%

Feb 24
Investors Who Bought Croatia osiguranje d.d (ZGSE:CROS) Shares Five Years Ago Are Now Up 20%

Revenue & Expenses Breakdown

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


Earnings and Revenue History

ZGSE:CROS Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24608721220
30 Jun 24599621210
31 Mar 24582581210
31 Dec 23557581210
30 Sep 23553461210
30 Jun 23520601230
31 Mar 23510541190
31 Dec 22501581170
30 Sep 2252150800
30 Jun 2250249760
31 Mar 2249551800
31 Dec 2149748800
30 Sep 2148447810
30 Jun 2148644810
31 Mar 2146344760
31 Dec 2045843740
30 Sep 2045546720
30 Jun 2044944730
31 Mar 2045748730
31 Dec 1947346750
30 Sep 1948039730
30 Jun 1947545730
31 Mar 1946044730
31 Dec 1847445740
30 Sep 1847849590
30 Jun 1847649670
31 Mar 1846338770
31 Dec 1744834810
30 Sep 1743628840
30 Jun 1743727910
31 Mar 1743327850
31 Dec 1642423740
30 Sep 1642126920
30 Jun 1642020810
31 Mar 16421151460
31 Dec 1541615890
30 Sep 15415-231380
30 Jun 15416-471600
31 Mar 15409-591730
31 Dec 14397-611780
30 Sep 14398-631580
30 Jun 14408-421490
31 Mar 14414-321480

Quality Earnings: CROS has high quality earnings.

Growing Profit Margin: CROS's current net profit margins (11.9%) are higher than last year (8.3%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: CROS's earnings have grown by 8.5% per year over the past 5 years.

Accelerating Growth: CROS's earnings growth over the past year (57.5%) exceeds its 5-year average (8.5% per year).

Earnings vs Industry: CROS earnings growth over the past year (57.5%) exceeded the Insurance industry 18.8%.


Return on Equity

High ROE: CROS's Return on Equity (9.9%) is considered low.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/06 17:48
End of Day Share Price 2025/02/05 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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 Github.

Analyst Sources

Croatia osiguranje d.d. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.