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Croatia Osiguranje DDZAG:CROS 32 Cyclically Adjusted PS Ratio is 2.45 as of Aug. 16, 2026, which is 28% above its 10-year median of 1.91. GuruFocus rates ZAG:CROS with a GF Score™ of 32/100 and a GF Value™ of €2,027.38. The stock has 5 warning signs investors should review. Among 415 Insurance companies, Croatia Osiguranje DD ranks worse than 78.31% on this metric.
The historical rank and industry rank for Croatia Osiguranje DD's Cyclically Adjusted PS Ratio or its related term are showing as below:
ZAG:CROS'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1.91 Max: 6.34
Current: 2.45
During the past years, Croatia Osiguranje DD's highest Cyclically Adjusted PS Ratio was 6.34. The lowest was 0.69. And the median was 1.91.
ZAG:CROS's Cyclically Adjusted PS Ratio is ranked worse than 78.31% of 415
companies
in the Insurance industry
Industry Median: 1.22
vs ZAG:CROS: 2.45
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Croatia Osiguranje DD's adjusted revenue per share data for the three months ended in Jun. 2026 was €446.062. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is €1,347.83 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Croatia Osiguranje DD (ZAG:CROS) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Croatia Osiguranje DD Cyclically Adjusted PS Ratio Related Terms
Croatia Osiguranje DD Cyclically Adjusted PS Ratio Historical Data
* Premium members only.
The historical data trend for Croatia Osiguranje DD's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Croatia Osiguranje DD Cyclically Adjusted PS Ratio Chart
ZAG:CROS vs CB, PGR, TRV: Cyclically Adjusted PS Ratio Comparison
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Croatia Osiguranje DD Cyclically Adjusted PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's Cyclically Adjusted PS Ratio falls into.
Croatia Osiguranje DD Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 2.45 mean?
Croatia Osiguranje DD (ZAG:CROS) has a Cyclically Adjusted PS Ratio of 2.45 as of Aug. 16, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Croatia Osiguranje DD and its competitors. This is 28% above median its historical median of 1.91. Over the past decade, Croatia Osiguranje DD's Cyclically Adjusted PS Ratio has ranged from 0.69 to 6.34. According to the industry distribution chart, Croatia Osiguranje DD ranks #325 out of 415 companies in the Insurance industry, placing it in the top 78.3%.
Is Croatia Osiguranje DD's Cyclically Adjusted PS Ratio too high?
Croatia Osiguranje DD's current Cyclically Adjusted PS Ratio of 2.45 is 28% above median its 10-year median of 1.91. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 6.34. The Insurance industry median Cyclically Adjusted PS Ratio is 1.22. Croatia Osiguranje DD's value of 2.45 is 100.8% above this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #325 out of 415 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Croatia Osiguranje DD has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's Cyclically Adjusted PS Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #325 out of 415 companies for Cyclically Adjusted PS Ratio. This places Croatia Osiguranje DD in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 1.22. Croatia Osiguranje DD's value of 2.45 is 100.8% above this benchmark. Historically, Croatia Osiguranje DD's own Cyclically Adjusted PS Ratio has ranged from 0.69 to 6.34 over the past decade. While the company's 10-year median is 1.91 vs. the industry median of 1.22, Croatia Osiguranje DD has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.22, based on 415 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current Cyclically Adjusted PS Ratio of 2.45 is 100.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current Cyclically Adjusted PS Ratio is 2.45, which is 28% above median its own 10-year median of 1.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Croatia Osiguranje DD stock overvalued right now?
Croatia Osiguranje DD (ZAG:CROS) has a current Cyclically Adjusted PS Ratio of 2.45. The stock's GF Value™ is €2,027.38, compared to a current price of €3,300.00 — trading 62.8% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 2.45, which is 28% above median its 10-year median of 1.91 and 100.8% above the Insurance industry median of 1.22. Croatia Osiguranje DD's overall GF Score™ is 32/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current Cyclically Adjusted PS Ratio is 2.45 as of Aug. 16, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Croatia Osiguranje DD (ZAG:CROS) Overvalued in 2026?
Based on GuruFocus' analysis, Croatia Osiguranje DD stock appears to be overvalued.
The current stock price of €3,300.00 is trading 62.8% above its estimated GF Value™ of €2,027.38.
Key valuation signals for ZAG:CROS:
Cyclically Adjusted PS Ratio: 2.45 (28% above median its 10-year median of 1.91)
GF Value™: €2,027.38 vs. price of €3,300.00 (62.8% above fair value)
Industry Position: 100.8% above the Insurance median (#325 of 415)
No single metric tells the full story. See the ZAG:CROS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Croatia Osiguranje DD is engaged in non-life and life insurance business and reinsurance business in the non-life insurance group in the territory of the Republic of Croatia. At the same time, the Group operates in the territories of Northern Macedonia, Bosnia and Herzegovina, and Serbia. Insurance and reinsurance activities are the Company's core business segments. In addition to insurance and reinsurance activities, CO Group companies also perform the following activities: pension fund management, performance of vehicle testing, provision of healthcare services, and real estate management. The segments include: Non-life and Life Insurance segments.
32GF Score
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Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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