Croatia Osiguranje DD (ZAG:CROS) Moat Score: 0/10 (As of Jul. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ZAG:CROS Croatia Osiguranje DD ZAG:CROS
35 GF Score
Price €3,400.00
GF Value €1,937.27
! 6 Warning Signs
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What is Croatia Osiguranje DD Moat Score?

Croatia Osiguranje DD has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Croatia Osiguranje DD has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Croatia Osiguranje DD might have No Moat - No discernible moat.

Croatia Osiguranje DD  (ZAG:CROS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Croatia Osiguranje DD Moat Score Related Terms

ZAG:CROS
35GF Score
Croatia Osiguranje DD ZAG:CROS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: €1,937.27 vs. price of €3,400.00 (75.5% above fair value)
  • GF Score™: 35/100 with 6 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.
35GF Score

Get the complete analysis for ZAG:CROS

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3,400.00
Price
€1,937.27
GF Value