Croatia Osiguranje DDZAG:CROS 28 Interest Coverage is 51.26 as of Mar. 2026, which is 39% above its 10-year median of 36.79. GuruFocus rates ZAG:CROS with a GF Score™ of 28/100 and a GF Value™ of €1,930.33 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 352 Insurance companies, Croatia Osiguranje DD ranks better than 68.75% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Croatia Osiguranje DD's
EBIT
for the
three
months ended in Mar. 2026 was €22.5 Mil. Croatia Osiguranje DD's Interest Expense for the
three
months ended in Mar. 2026 was €-0.4 Mil.
Croatia Osiguranje DD's interest coverage for the quarter that ended in Mar. 2026 was 51.26.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Croatia Osiguranje DD's Interest Coverage or its related term are showing as below:
ZAG:CROS'
s Interest Coverage Range Over the Past 10 Years
Min: 15.96 Med: 36.79 Max: 499.28
Current: 42.44
ZAG:CROS's Interest Coverage is ranked better than 68.75% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs ZAG:CROS: 42.44
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Croatia Osiguranje DD Interest Coverage Related Terms
Croatia Osiguranje DD Interest Coverage Historical Data
* Premium members only.
The historical data trend for Croatia Osiguranje DD's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ZAG:CROS vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Croatia Osiguranje DD's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 51.26 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Croatia Osiguranje DD and its competitors. This is 39% above median its historical median of 36.79. Over the past decade, Croatia Osiguranje DD's Interest Coverage has ranged from 15.96 to 499.28. According to the industry distribution chart, Croatia Osiguranje DD ranks #110 out of 352 companies in the Insurance industry, placing it in the top 31.2%.
Is Croatia Osiguranje DD's Interest Coverage too high?
Croatia Osiguranje DD's current Interest Coverage of 51.26 is 39% above median its 10-year median of 36.79. Over the past 10 years, this metric has ranged from a low of 15.96 to a high of 499.28. The Insurance industry median Interest Coverage is 16.25. Croatia Osiguranje DD's value of 51.26 is 215.5% above this industry median. Based on the distribution chart, Croatia Osiguranje DD ranks #110 out of 352 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 Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Croatia Osiguranje DD ranks #110 out of 352 companies for Interest Coverage. This puts Croatia Osiguranje DD in the upper half of its industry. The industry median Interest Coverage is 16.25. Croatia Osiguranje DD's value of 51.26 is 215.5% above this benchmark. Historically, Croatia Osiguranje DD's own Interest Coverage has ranged from 15.96 to 499.28 over the past decade. While the company's 10-year median is 36.79 vs. the industry median of 16.25, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.25, based on 352 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Croatia Osiguranje DD's current Interest Coverage of 51.26 is 215.5% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Croatia Osiguranje DD and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croatia Osiguranje DD's current Interest Coverage is 51.26, which is 39% above median its own 10-year median of 36.79. 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 €1,930.33, compared to a current price of €3,460.00 — trading 79.2% above its estimated fair value. The current Interest Coverage is 51.26, which is 39% above median its 10-year median of 36.79 and 215.5% above the Insurance industry median of 16.25. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current Interest Coverage is 51.26 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 €3,460.00 is trading 79.2% above its estimated GF Value™ of €1,930.33.
GuruFocus considers Croatia Osiguranje DD to be Significantly Overvalued.
Key valuation signals for ZAG:CROS:
Interest Coverage: 51.26 (39% above median its 10-year median of 36.79)
GF Value™: €1,930.33 vs. price of €3,460.00 (79.2% above fair value)
Industry Position: 215.5% above the Insurance median (#110 of 352)
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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