Croatia osiguranje d.d. (ZSE:CROS)

Croatia osiguranje d.d. Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	575.04	540.81	476.4	428.58	411.35	394.66
Total Interest & Dividend Income	50.74	45.11	43.94	43.61	51.76	-
Gain (Loss) on Sale of Investments	8.32	2.55	8.02	4.28	2.55	5.46
Other Revenue	40.81	36.52	28.42	23.77	31.89	57.36
Total Revenue	674.94	625.02	556.82	500.73	497.56	457.48
Revenue Growth (YoY)	12.62%	12.25%	11.20%	0.64%	8.76%	-3.30%
Policy Benefits	333.5	315.68	285.93	234.2	254.49	256.52
Policy Acquisition & Underwriting Costs	5.08	-	-	-	87.78	76.52
Selling, General & Administrative	138.68	135.92	122.73	118.27	80.37	74.44
Other Operating Expenses	118.64	107.36	81.18	79.03	9.4	9.73
Total Operating Expenses	595.91	558.97	489.84	431.5	432.04	417.21
Operating Income	79.03	66.06	66.98	69.23	65.52	40.27
Interest Expense	-1.96	-1.96	-1.82	-1.74	-1.8	-1.61
Earnings From Equity Investments	1.43	1.43	1.78	1.4	1.48	1.37
Currency Exchange Gain (Loss)	-2.94	1.52	-1.02	2.96	-1.87	5.03
Other Non Operating Income (Expenses)	0.86	0.86	0.58	3.38	-5.53	-6.39
EBT Excluding Unusual Items	76.42	67.91	66.5	75.22	57.8	38.68
Gain (Loss) on Sale of Assets	0.45	-0.07	0.56	0.02	0.15	11.87
Asset Writedown	0.89	0.89	2.59	-6.16	-2.01	-0.2
Legal Settlements	0.83	0.83	-0.54	0.39	1.26	0.21
Other Unusual Items	0.07	0.07	0.07	0.07	1.09	1.31
Pretax Income	78.66	69.62	69.17	69.54	58.29	51.87
Income Tax Expense	9.17	8.54	10.72	11.26	10.02	8.4
Earnings From Continuing Ops.	69.49	61.09	58.45	58.28	48.27	43.47
Minority Interest in Earnings	-0.08	-0.06	-0.07	-0.08	-0.06	-0.04
Net Income	69.4	61.03	58.38	58.2	48.21	43.43
Net Income to Common	69.4	61.03	58.38	58.2	48.21	43.43
Net Income Growth	12.77%	4.53%	0.31%	20.71%	11.01%	-4.77%
Shares Outstanding (Basic)	0	0	0	0	0	0
Shares Outstanding (Diluted)	0	0	0	0	0	0
EPS (Basic)	164.88	144.97	138.69	138.26	114.54	103.18
EPS (Diluted)	164.88	144.97	138.69	138.26	114.54	103.18
EPS Growth	12.77%	4.53%	0.31%	20.71%	11.01%	-4.77%
Free Cash Flow	73.64	145.99	-65.61	50.05	39.04	37.42
Free Cash Flow Per Share	174.94	346.82	-155.86	118.89	92.73	88.89
Dividend Per Share	106.520	106.520	267.640	-	-	-
Dividend Growth	-60.20%	-60.20%	-	-	-	-
Operating Margin	11.71%	10.57%	12.03%	13.83%	13.17%	8.80%
Profit Margin	10.28%	9.76%	10.48%	11.62%	9.69%	9.49%
Free Cash Flow Margin	10.91%	23.36%	-11.78%	9.99%	7.85%	8.18%
EBITDA	87.03	73.76	73.46	74.73	70.4	45.7
EBITDA Margin	12.89%	11.80%	13.19%	14.92%	14.15%	9.99%
D&A For EBITDA	8	7.7	6.48	5.51	4.88	5.44
EBIT	79.03	66.06	66.98	69.23	65.52	40.27
EBIT Margin	11.71%	10.57%	12.03%	13.83%	13.17%	8.80%
Effective Tax Rate	11.66%	12.26%	15.50%	16.20%	17.19%	16.19%
Revenue as Reported	-	-	-	-	509.66	489.35

Updated Feb 24, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.