Croatia Osiguranje DD (ZAG:CROS) Margin of Safety % (DCF Earnings Based): -9.34% (As of Jun. 28, 2026)


ZAG:CROS Croatia Osiguranje DD ZAG:CROS
29 GF Score
Price €3,400.00
GF Value €1,925.71
! 7 Warning Signs
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What is Croatia Osiguranje DD Margin of Safety % (DCF Earnings Based)?

Croatia Osiguranje DD ZAG:CROS -1.73% 29 Margin of Safety % (DCF Earnings Based) is -9.34% as of Jun. 28, 2026. GuruFocus rates ZAG:CROS with a GF Score™ of 29/100 and a GF Value™ of €1,925.71. The stock has 7 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-28), Croatia Osiguranje DD's Predictability Rank is 3-Stars. Croatia Osiguranje DD's intrinsic value calculated from the Discounted Earnings model is €3109.50 and current share price is €3400.00. Consequently,

Croatia Osiguranje DD's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -9.34%.

ZAG:CROS vs CB, PGR, TRV: Margin of Safety % (DCF Earnings Based) Comparison

For the Insurance - Property & Casualty subindustry, Croatia Osiguranje DD's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, Croatia Osiguranje DD's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Croatia Osiguranje DD's Margin of Safety % (DCF Earnings Based) falls into.


ZAG:CROS
29GF Score
Croatia Osiguranje DD ZAG:CROS
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Croatia Osiguranje DD Margin of Safety % (DCF Earnings Based) Calculation

Croatia Osiguranje DD's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(3109.50-3400.00)/3109.50
=-9.34 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -9.34% mean?
Croatia Osiguranje DD (ZAG:CROS) has a Margin of Safety % (DCF Earnings Based) of -9.34% as of Jun. 28, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Croatia Osiguranje DD.
Is Croatia Osiguranje DD's Margin of Safety % (DCF Earnings Based) too high?
Croatia Osiguranje DD's current Margin of Safety % (DCF Earnings Based) is -9.34%. Overall, Croatia Osiguranje DD has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does Croatia Osiguranje DD's Margin of Safety % (DCF Earnings Based) compare to CB and PGR?
Croatia Osiguranje DD's Margin of Safety % (DCF Earnings Based) of -9.34% 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 Margin of Safety % (DCF Earnings Based) for an Insurance company?
A good Margin of Safety % (DCF Earnings Based) depends on the Insurance industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Croatia Osiguranje DD. Croatia Osiguranje DD's current Margin of Safety % (DCF Earnings Based) is -9.34%. 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 Margin of Safety % (DCF Earnings Based) of -9.34%. 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 Margin of Safety % (DCF Earnings Based) is -9.34%. Croatia Osiguranje DD's overall GF Score™ is 29/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Croatia Osiguranje DD (ZAG:CROS), the current Margin of Safety % (DCF Earnings Based) is -9.34% as of Jun. 28, 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.

Key valuation signals for ZAG:CROS:

  • Margin of Safety % (DCF Earnings Based): -9.34%
  • GF Value™: €1,925.71 vs. price of €3,400.00 (76.6% above fair value)
  • GF Score™: 29/100 with 7 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.
29GF Score

Get the complete analysis for ZAG:CROS

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3,400.00
Price
€1,925.71
GF Value