Croatia Osiguranje DDZAG:CROS 28 FCF Yield % is 7.79 as of Jul. 06, 2026, which is 4482% above its 10-year median of 0.17. GuruFocus rates ZAG:CROS with a GF Score™ of 28/100 and a GF Value™ of €1,932.64 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 505 Insurance companies, Croatia Osiguranje DD ranks better than 53.27% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Croatia Osiguranje DD FCF Yield % Related Terms
Croatia Osiguranje DD FCF Yield % Historical Data
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The historical data trend for Croatia Osiguranje DD's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's FCF Yield % 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 Yield % of 7.79 as of Jul. 06, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Croatia Osiguranje DD and its competitors. This is 4482% above median its historical median of 0.17. According to the industry distribution chart, Croatia Osiguranje DD ranks #236 out of 505 companies in the Insurance industry, placing it in the top 46.7%.
Is Croatia Osiguranje DD's FCF Yield % too high?
Croatia Osiguranje DD's current FCF Yield % of 7.79 is 4482% above median its 10-year median of 0.17. The Insurance industry median FCF Yield % is 6.84. Croatia Osiguranje DD's value of 7.79 is 13.9% above this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #236 out of 505 companies in the Insurance industry, which is above the industry midpoint. Overall, Croatia Osiguranje DD has a GF Score™ of 28/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's FCF Yield % compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #236 out of 505 companies for FCF Yield %. This puts Croatia Osiguranje DD in the upper half of its industry. The industry median FCF Yield % is 6.84. Croatia Osiguranje DD's value of 7.79 is 13.9% above this benchmark. While the company's 10-year median is 0.17 vs. the industry median of 6.84, 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 FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 6.84, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current FCF Yield % of 7.79 is 13.9% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median FCF Yield % is 6.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current FCF Yield % is 7.79, which is 4482% above median its own 10-year median of 0.17. 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 €1,932.64, compared to a current price of €3,460.00 — trading 79% above its estimated fair value. The current FCF Yield % is 7.79, which is 4482% above median its 10-year median of 0.17 and 13.9% above the Insurance industry median of 6.84. Croatia Osiguranje DD's overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current FCF Yield % is 7.79 as of Jul. 06, 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 €3,460.00 is trading 79% above its estimated GF Value™ of €1,932.64.
GuruFocus considers Croatia Osiguranje DD to be Significantly Overvalued.
Key valuation signals for ZAG:CROS:
FCF Yield %: 7.79 (4482% above median its 10-year median of 0.17)
GF Value™: €1,932.64 vs. price of €3,460.00 (79% above fair value)
Industry Position: 13.9% above the Insurance median (#236 of 505)
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.
28GF Score
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