The historical rank and industry rank for Croatia Osiguranje DD's FCF Margin % or its related term are showing as below:
ZAG:CROS'
s FCF Margin % Range Over the Past 10 Years
Min: -13.56 Med: 6.25 Max: 24.15
Current: 18.09
During the past 13 years, the highest FCF Margin % of Croatia Osiguranje DD was 24.15%. The lowest was -13.56%. And the median was 6.25%.
ZAG:CROS's FCF Margin % is ranked better than 70.5% of 505
companies
in the Insurance industry
Industry Median: 9.6
vs ZAG:CROS: 18.09
Croatia Osiguranje DD FCF Margin % Related Terms
Croatia Osiguranje DD FCF Margin % Historical Data
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The historical data trend for Croatia Osiguranje DD's FCF Margin % 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.
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's FCF Margin % falls into.
* 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 FCF Margin % of -0.28% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Croatia Osiguranje DD and its competitors. According to the industry distribution chart, Croatia Osiguranje DD ranks #149 out of 505 companies in the Insurance industry, placing it in the top 29.5%.
Is Croatia Osiguranje DD's FCF Margin % too high?
Croatia Osiguranje DD's current FCF Margin % is -0.28%. Based on the distribution chart, Croatia Osiguranje DD ranks #149 out of 505 companies in the Insurance industry, which is above the industry midpoint. Overall, Croatia Osiguranje DD has a GF Score™ of 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #149 out of 505 companies for FCF Margin %. This puts Croatia Osiguranje DD in the upper half of its industry. The industry median FCF Margin % is 9.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current FCF Margin % is -0.28%. 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 €1,925.71, compared to a current price of €3,400.00 — trading 76.6% above its estimated fair value. The current FCF Margin % is -0.28%. Croatia Osiguranje DD's overall GF Score™ is 32/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current FCF Margin % is -0.28% 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 76.6% above its estimated GF Value™ of €1,925.71.
GuruFocus considers Croatia Osiguranje DD to be Significantly Overvalued.
Key valuation signals for ZAG:CROS:
FCF Margin %: -0.28%
GF Value™: €1,925.71 vs. price of €3,400.00 (76.6% above fair value)
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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