JDOS Stock Overview

Provides various insurance products and services in the Republic of Croatia and the Italian Republic. More details

JDOS fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	1/6
Financial Health	3/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (14.2x) is below the HR market (14.5x)

Revenue grew by 15% over the past year

Risk Analysis

Shares are highly illiquid

Profit margins (1.6%) are lower than last year (2.6%)

Less than 3 years of financial data is available

Does not have a meaningful market cap (€55M)

My Notes

Capture your thoughts, links and company narrative

ADRIATIC osiguranje d.d. Competitors

Custodian Investment

NGSE:CUSTODIAN

₦90.9b

National Insurance Company (Palestine)

PLSE:NIC

US$55.5m

Adamjee Insurance

KASE:AICL

PK₨17.1b

Croatia osiguranje d.d

ZGSE:CROS

€686.1m

Price History & Performance

Summary of share price highs, lows and changes for ADRIATIC osiguranje d.d
Historical stock prices
Current Share Price	€442.00
52 Week High	€525.00
52 Week Low	€410.00
Beta	0.38
1 Month Change	-1.78%
3 Month Change	n/a
1 Year Change	-13.33%
3 Year Change	-32.19%
5 Year Change	-19.78%
Change since IPO	-68.57%

Recent updates

Shareholder Returns

	JDOS	HR Insurance	HR Market
7D	0.5%	-3.0%	1.7%
1Y	-13.3%	16.8%	28.3%

Return vs Industry: JDOS underperformed the HR Insurance industry which returned 16.8% over the past year.

Return vs Market: JDOS underperformed the HR Market which returned 28.3% over the past year.

Price Volatility

Is JDOS's price volatile compared to industry and market?
JDOS volatility
JDOS Average Weekly Movement	n/a
Insurance Industry Average Movement	2.8%
Market Average Movement	3.6%
10% most volatile stocks in HR Market	5.9%
10% least volatile stocks in HR Market	2.2%

Stable Share Price: JDOS's share price has been volatile over the past 3 months compared to the HR market.

Volatility Over Time: Insufficient data to determine JDOS's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1991	1,093	Nino Pavic	www.adriatic-osiguranje.hr

ADRIATIC osiguranje d.d. provides various insurance products and services in the Republic of Croatia and the Italian Republic. It offers life, health, liability, motor vehicles, automobile, road vehicle, other property damage, air vehicle, traditional life and annuity, casualty, property damage, marine, aviation, transport, accident, boat, fires and natural disaster, responsibility resulting from the circulation of AV, and goods during transport insurance products, as well as reinsurance services and unit linked products. The company operates through a network of branches.

ADRIATIC osiguranje d.d. Fundamentals Summary

How do ADRIATIC osiguranje d.d's earnings and revenue compare to its market cap?
JDOS fundamental statistics
Market cap	€55.25m
Earnings (TTM)	€3.90m
Revenue (TTM)	€239.72m

14.2x

P/E Ratio

0.2x

P/S Ratio

Is JDOS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
JDOS income statement (TTM)
Revenue	€239.72m
Cost of Revenue	€161.91m
Gross Profit	€77.81m
Other Expenses	€73.91m
Earnings	€3.90m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	31.17
Gross Margin	32.46%
Net Profit Margin	1.63%
Debt/Equity Ratio	1.1%

How did JDOS perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 04:00
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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

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 .

Analyst Sources

ADRIATIC 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.

Analyst	Institution

ADRIATIC osiguranje d.d ZGSE:JDOS Stock Report