Croatia Osiguranje DD (ZAG:CROS) E10: €137.28 (As of Mar. 2026)


ZAG:CROS Croatia Osiguranje DD ZAG:CROS
35 GF Score
Price €3,400.00
GF Value €1,936.11
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Croatia Osiguranje DD E10?

Croatia Osiguranje DD ZAG:CROS 35 E10 is €137.28 as of Mar. 2026. GuruFocus rates ZAG:CROS with a GF Score™ of 35/100 and a GF Value™ of €1,936.11 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Croatia Osiguranje DD's adjusted earnings per share data for the three months ended in Mar. 2026 was €43.100. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €137.28 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Croatia Osiguranje DD's average E10 Growth Rate was 12.30% per year. During the past 3 years, the average E10 Growth Rate was 36.00% per year. During the past 5 years, the average E10 Growth Rate was 34.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Croatia Osiguranje DD was 40.20% per year. The lowest was 35.50% per year. And the median was 36.00% per year.

As of today (2026-07-12), Croatia Osiguranje DD's current stock price is €3400.00. Croatia Osiguranje DD's E10 for the quarter that ended in Mar. 2026 was €137.28. Croatia Osiguranje DD's Shiller PE Ratio of today is 24.77.

During the past 13 years, the highest Shiller PE Ratio of Croatia Osiguranje DD was 198.28. The lowest was 10.68. And the median was 18.62.


Croatia Osiguranje DD  (ZAG:CROS) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Croatia Osiguranje DD's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=3400.00/137.28
=24.77

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Croatia Osiguranje DD was 198.28. The lowest was 10.68. And the median was 18.62.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Croatia Osiguranje DD E10 Related Terms


Croatia Osiguranje DD E10 Historical Data

* Premium members only.

The historical data trend for Croatia Osiguranje DD's E10 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 E10 Chart

Croatia Osiguranje DD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 42.88 52.52 80.99 118.28 132.18

Croatia Osiguranje DD Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 122.26 129.19 131.07 132.18 137.28

ZAG:CROS vs CB, PGR, TRV: E10 Comparison

For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Croatia Osiguranje DD's Shiller PE Ratio falls into.


ZAG:CROS
35GF Score
Croatia Osiguranje DD ZAG:CROS
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Croatia Osiguranje DD E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Croatia Osiguranje DD's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=43.1/330.2130*330.2130
=43.100

Current CPI (Mar. 2026) = 330.2130.

Croatia Osiguranje DD Quarterly Data

per share eps CPI Adj_EPS
201606 10.870 241.018 14.893
201609 35.501 241.428 48.556
201612 -4.052 241.432 -5.542
201703 21.554 243.801 29.194
201706 10.917 244.955 14.717
201709 37.211 246.819 49.784
201712 10.637 246.524 14.248
201803 32.366 249.554 42.827
201806 36.687 251.989 48.076
201809 37.029 252.439 48.437
201812 1.765 251.233 2.320
201903 29.620 254.202 38.477
201906 37.074 256.143 47.795
201909 23.031 256.759 29.620
201912 18.486 256.974 23.755
202003 37.058 258.115 47.409
202006 26.926 257.797 34.490
202009 27.830 260.280 35.307
202012 9.156 260.474 11.607
202103 39.349 264.877 49.055
202106 25.461 271.696 30.945
202109 34.851 274.310 41.953
202112 12.493 278.802 14.797
202203 46.700 287.504 53.637
202206 20.732 296.311 23.104
202209 38.495 296.808 42.828
202212 32.360 296.797 36.003
202303 37.600 301.836 41.135
202306 34.609 305.109 37.457
202309 4.524 307.789 4.854
202312 61.953 306.746 66.693
202403 37.600 312.332 39.753
202406 42.107 314.175 44.256
202409 30.154 315.301 31.580
202412 35.082 315.605 36.706
202503 40.400 319.799 41.716
202506 59.207 322.561 60.612
202509 37.710 324.800 38.338
202512 17.988 324.054 18.330
202603 43.100 330.213 43.100

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €137.28 mean?
Croatia Osiguranje DD (ZAG:CROS) has a E10 of €137.28 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Croatia Osiguranje DD and its competitors.
Is Croatia Osiguranje DD's E10 too high?
Croatia Osiguranje DD's current E10 is €137.28. Overall, Croatia Osiguranje DD has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's E10 compare to CB and PGR?
Croatia Osiguranje DD's E10 of €137.28 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Croatia Osiguranje DD and its competitors. Croatia Osiguranje DD's current E10 is €137.28. 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?
Based on GuruFocus' analysis, Croatia Osiguranje DD (ZAG:CROS) is currently considered Significantly Overvalued. The stock's GF Value™ is €1,936.11, compared to a current price of €3,400.00 — trading 75.6% above its estimated fair value. The current E10 is €137.28. Croatia Osiguranje DD's overall GF Score™ is 35/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current E10 is €137.28 as of Mar. 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 €3,400.00 is trading 75.6% above its estimated GF Value™ of €1,936.11. GuruFocus considers Croatia Osiguranje DD to be Significantly Overvalued.

Key valuation signals for ZAG:CROS:

  • E10: €137.28
  • GF Value™: €1,936.11 vs. price of €3,400.00 (75.6% above fair value)
  • GF Score™: 35/100 with 6 warning signs

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 Business Description

Address Vatroslava Jagica 33, Zagreb, HRV, 10000
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.
35GF Score

Get the complete analysis for ZAG:CROS

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3,400.00
Price
€1,936.11
GF Value