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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Croatia Osiguranje DD's Enterprise Value is €1,266.5 Mil.
Croatia Osiguranje DD's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €113.4 Mil. Therefore, Croatia Osiguranje DD's EV-to-FCF for today is 11.17.
The historical rank and industry rank for Croatia Osiguranje DD's EV-to-FCF or its related term are showing as below:
ZAG:CROS'
s EV-to-FCF Range Over the Past 10 Years
Min: -662.85 Med: 4.57 Max: 3851.53
Current: 11.17
During the past 13 years, the highest EV-to-FCF of Croatia Osiguranje DD was 3851.53. The lowest was -662.85. And the median was 4.57.
ZAG:CROS's EV-to-FCF is ranked worse than 55.58% of 394
companies
in the Insurance industry
Industry Median: 9.755
vs ZAG:CROS: 11.17
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Croatia Osiguranje DD's PE Ratio (TTM) for today is calculated as:
Croatia Osiguranje DD's share price for today is €3400.00.
Croatia Osiguranje DD's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €158.005.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's EV-to-FCF falls into.
Croatia Osiguranje DD's current Enterprise Value is €1,266.5 Mil.
Croatia Osiguranje DD's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €113.4 Mil.
* 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 (ZAG:CROS) has a EV-to-FCF of 11.17 as of Jul. 22, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Croatia Osiguranje DD and its competitors. This is 144% above median its historical median of 4.57. According to the industry distribution chart, Croatia Osiguranje DD ranks #219 out of 394 companies in the Insurance industry, placing it in the top 55.6%.
Is Croatia Osiguranje DD's EV-to-FCF too high?
Croatia Osiguranje DD's current EV-to-FCF of 11.17 is 144% above median its 10-year median of 4.57. The Insurance industry median EV-to-FCF is 9.76. Croatia Osiguranje DD's value of 11.17 is 14.5% above this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #219 out of 394 companies in the Insurance industry, which is below the industry midpoint. Overall, Croatia Osiguranje DD has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #219 out of 394 companies for EV-to-FCF. This places Croatia Osiguranje DD in the lower half of its industry. The industry median EV-to-FCF is 9.76. Croatia Osiguranje DD's value of 11.17 is 14.5% above this benchmark. While the company's 10-year median is 4.57 vs. the industry median of 9.76, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.76, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current EV-to-FCF of 11.17 is 14.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median EV-to-FCF is 9.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current EV-to-FCF is 11.17, which is 144% above median its own 10-year median of 4.57. 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 EV-to-FCF of 11.17. The stock's GF Value™ is €1,937.27, compared to a current price of €3,400.00 — trading 75.5% above its estimated fair value. The current EV-to-FCF is 11.17, which is 144% above median its 10-year median of 4.57 and 14.5% above the Insurance industry median of 9.76. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current EV-to-FCF is 11.17 as of Jul. 22, 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 75.5% above its estimated GF Value™ of €1,937.27.
Key valuation signals for ZAG:CROS:
EV-to-FCF: 11.17 (144% above median its 10-year median of 4.57)
GF Value™: €1,937.27 vs. price of €3,400.00 (75.5% above fair value)
Industry Position: 14.5% above the Insurance median (#219 of 394)
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.
35GF Score
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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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