Croatia osiguranje d.d.

ZGSE:CROS Stock Report

Market Cap: €707.2m

Croatia osiguranje d.d Valuation

Is CROS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CROS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CROS (€1680) is trading above our estimate of fair value (€1658.63)

Significantly Below Fair Value: CROS is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CROS?

Key metric: As CROS is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CROS. This is calculated by dividing CROS's market cap by their current earnings.
What is CROS's PE Ratio?
PE Ratio9.8x
Earnings€72.34m
Market Cap€707.19m

Price to Earnings Ratio vs Peers

How does CROS's PE Ratio compare to its peers?

The above table shows the PE ratio for CROS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average11.7x
TAKAFUL Syarikat Takaful Malaysia Keluarga Berhad
9.2x7.7%RM 3.3b
ATL AtlantaSanad Société Anonyme
17.4x7.7%د.م7.7b
SAH Sanlam Maroc
14.1x7.2%د.م7.9b
ALLIANZ Allianz Malaysia Berhad
6.2x12.0%RM 3.7b
CROS Croatia osiguranje d.d
9.8xn/a€707.2m

Price-To-Earnings vs Peers: CROS is good value based on its Price-To-Earnings Ratio (9.8x) compared to the peer average (11.7x).

Price to Earnings Ratio vs Industry

How does CROS's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
CROS 9.8xIndustry Avg. 11.8xNo. of Companies12PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CROS is good value based on its Price-To-Earnings Ratio (9.8x) compared to the European Insurance industry average (11.8x).

Price to Earnings Ratio vs Fair Ratio

What is CROS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CROS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio9.8x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CROS's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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